What is UPI Reference Number (UTR)?

The UPI Reference Number or the Unique Transaction Reference (UTR), typically consists of 12 digits. It is a unique number given to each transaction made through UPI. You can use it to track and verify each of your UPI transactions.

The UPI Reference Number is useful for resolving disputes, tracking payments, and maintaining accurate financial records. This article will discuss where to find it, how to track it, and its importance.

UPI Transaction Reference Number Tracking

The process of tracking the UPI Reference Number is simple and can be completed by following these steps -

STEP 1: Open your favorite UPI app on your phone. Log in using your PIN or fingerprint.

STEP 2: Go to the ‘Transactions’ / ‘History’ / ‘Passbook’ section if you are a Google Pay and BHIM app / PhonePe / Paytm user, respectively.

STEP 3: Choose the transaction you want to track. In the transaction details, you will see the UPI transaction reference number.

You can also track your UPI transaction reference number from your bank statement. You can download the statement from your bank’s website or mobile app. Look for the specific transaction you want to track. The UPI reference number will be mentioned along with other transaction details.

Where to Find the UPI Reference Number?

You can track your UPI reference number for old transactions by the method mentioned above. But you can easily find it across various platforms right after completing a transaction. Let’s look at them -

• SMS

Banks send SMS alerts whenever you make a payment through any channel. When you complete a UPI payment, check your SMS notifications for details of the transaction. Your UPI reference number will be clearly mentioned in the message.

• Email

If you have your email notifications turned on, you can also check the same information on Email. Banks send email notifications for transactions as well. They mention all the details of the transaction as well as the UPI reference number.

Importance of the UPI Reference Number

The UPI reference number is a unique 12-digit number that helps identify a transaction. Here is why you might need it -

• To verify the transaction

• To raise and resolve any dispute 

• To keep records and manage transactions

• To prevent fraud

• To refer to the transaction

• To easily track a transaction

With the emergence of UPI and the digitalization of payments, UPI is the most used mode of payment in most cities. As there is no cash involved and it needs internet, there is a huge scope for issues and fraud. 

Thus, knowing how to find your respective UPI transaction reference number can come in handy. There are multiple ways to find and track this number. You can use it to verify transactions, resolve disputes, and maintain records. 

Regularly tracking your UPI transactions can also prevent you from potential fraud. If you see any unauthorized activity, you can get in touch with your bank using the reference number.