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How to Check UTR Number in a Bank NEFT Transactions

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When dealing with financial transactions, especially in banking, one often comes across the term UTR number. Understanding and knowing how to check your UTR number is crucial for tracking the status of your transactions. In this comprehensive guide, we will explain what is UTR number, the full form of UTR, and provide detailed steps on how to check UTR number.

What is UTR Number?

UTR stands for Unique Transaction Reference. This number is a unique identifier assigned to every financial transaction made through electronic funds transfer systems, such as NEFT (National Electronic Funds Transfer) and RTGS (Real-Time Gross Settlement) in India. The UTR number is critical for tracking and identifying individual transactions, ensuring that every transaction can be uniquely traced within the banking network.

UTR stands for Unique Transaction Reference. This is a unique identifier assigned to each financial transaction made through NEFT (National Electronic Funds Transfer) and RTGS (Real-Time Gross Settlement) systems in India. It helps both the banks and the customers to track and identify a particular transaction.

Structure of UTR Number

The UTR number typically consists of 22 characters. Here’s an example to illustrate the structure:


  • XXXX: The first four characters represent the bank code.
  • R: The fifth character is a random number.
  • C: The sixth character stands for the transaction type (e.g., NEFT or RTGS).
  • YYYYMMDD: The next eight characters represent the transaction date in the format of year, month, and day.
  • #######: The last seven characters are the unique transaction code generated by the bank.

Full Form of UTR

The full form of UTR is Unique Transaction Reference. As the name suggests, this number is unique for each transaction, making it easy to trace any specific transaction within the banking system.

Why is UTR Number Important?

  • Tracking Transactions: The primary use of a UTR number is to track the status of a transaction. It allows both the sender and the receiver to verify whether the transaction has been completed successfully.
  • Dispute Resolution: In cases where there are discrepancies or disputes regarding a payment, the UTR number serves as a reference point. Banks use this unique identifier to investigate and resolve such issues.
  • Proof of Payment: The UTR number acts as a proof of payment, which can be crucial for businesses and individuals who need to maintain accurate financial records. It provides a clear audit trail for electronic transactions.
  • Transaction Verification: When cross-verifying transactions, especially large ones, the UTR number ensures that the correct amount has been transferred to the right account, thereby minimizing errors and fraud.

Now, let’s move on to the main topic: how to check UTR number.

How to Check UTR Number

1. Via Bank Statement:

  • Log in to your online banking account.
  • Navigate to the ‘Account Statement’ or ‘Transaction History’ section.
  • Locate the specific transaction. The UTR number is usually mentioned in the transaction details.

2. Using Mobile Banking Apps:

  • Open your bank’s mobile banking app.
  • Go to the ‘Transaction History’ section.
  • Select the transaction you want to check. The UTR number will be displayed along with other transaction details.

3. Through SMS or Email Notifications:

  • Many banks send SMS or email notifications for transactions. The UTR number is often included in these notifications.
  • Check your recent messages or emails from your bank to find the UTR number.

4. By Contacting Customer Support:

  • If you cannot find the UTR number through the methods mentioned above, you can contact your bank’s customer support.
  • Provide them with the transaction details such as the date, amount, and account number, and they will assist you in retrieving the UTR number.

Tips for Managing UTR Numbers

  • Keep Records: Always maintain a record of your UTR numbers for future reference. This will help you quickly access the information when needed.
  • Verify Transactions Promptly: Regularly check your transactions and verify UTR numbers to ensure all payments are processed correctly.
  • Use Secure Channels: Only use secure and official banking channels to check your UTR numbers to avoid potential security risks.

Common Issues with UTR Numbers

Even with the best systems in place, issues can arise. Here are some common problems and how to address them:

  • UTR Number Not Found: If you cannot find the UTR number, double-check the transaction details and date. Ensure you are looking at the correct account and time frame.
  • Incorrect UTR Number: If the UTR number seems incorrect, contact your bank immediately for clarification.
  • Delayed Transactions: Sometimes transactions can be delayed. Check with your bank to understand if there are any ongoing issues affecting the transaction.


Understanding what a UTR number is and knowing how to check UTR number is essential for anyone involved in financial transactions. The full form of UTR—Unique Transaction Reference—highlights its importance in tracking and verifying transactions within the banking system. By following the steps outlined in this guide, you can efficiently manage your transactions and ensure accuracy and transparency in your banking activities. Keep your UTR numbers handy and always use secure methods to check them. For any further assistance, don’t hesitate to contact your bank’s customer support. Happy banking.

By following this guide, you should now be well-equipped to find and use your UTR number efficiently. If you have any more questions or need further assistance, feel free to reach out to your bank’s customer support. Happy banking!

Feel free to reach out if you need any further information or assistance on this topic!

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