What Is UTR Number?

Are you curious to know what is utr number? You have come to the right place as I am going to tell you everything about utr number in a very simple explanation. Without further discussion let’s begin to know what is utr number?

In the realm of digital transactions, terms like UTR number hold significant importance. UTR, or Unique Transaction Reference, serves as a unique identifier for financial transactions. In this article, we will delve into the intricacies of the UTR number, exploring its definition, tracking methods, and its relevance in popular payment platforms like Paytm, GPay, and PhonePe.

What Is UTR Number?

The Unique Transaction Reference (UTR) number is a distinctive alphanumeric code assigned to each financial transaction. It acts as a crucial identifier, facilitating the tracking and verification of electronic fund transfers.

UTR Number Example:

A typical UTR number example looks like a combination of letters and numbers, such as “XYZ123456789.”

What Is UTR Number In Paytm?

In Paytm, a leading digital payment platform, the UTR number plays a vital role in ensuring the transparency and traceability of transactions. Users can find the UTR number associated with their transactions in the transaction details.

What Is UTR Number In Gpay?

Similarly, in Google Pay (GPay), the UTR number is a unique identifier for transactions. Users can locate the UTR number within the app, usually in the transaction history or details section.

What Is UTR Number In Phonepe?

PhonePe, another popular digital payment platform, utilizes the UTR number to uniquely identify transactions. Users can find the UTR number linked to their transactions within the PhonePe app.

UTR Number In Sbi:

The State Bank of India (SBI), being one of the largest public sector banks, employs UTR numbers for tracking transactions. Customers can find the UTR number associated with their transactions in the bank statement or passbook.

UTR Number For Upi Transaction:

For UPI (Unified Payments Interface) transactions, the UTR number is generated to provide a distinct reference for each payment. It ensures the accuracy and accountability of fund transfers through the UPI system.

UTR Tracking Rbi:

The Reserve Bank of India (RBI) facilitates UTR tracking through various channels. Users can track their UTR numbers online through the RBI’s official platforms, providing a transparent and accessible mechanism for transaction verification.

UTR Number Tracking Online:

Tracking a UTR number online has become more accessible with the digitalization of banking services. Users can utilize banking apps, official websites, or third-party platforms to track UTR numbers associated with their transactions.


In conclusion, the UTR number serves as a linchpin in the realm of digital transactions, ensuring accountability, transparency, and traceability. Whether you are using Paytm, GPay, PhonePe, or conducting transactions through traditional banks like SBI, understanding the significance of the UTR number enhances your financial literacy and empowers you to track and verify your electronic fund transfers with confidence. As digital transactions continue to evolve, the UTR number remains a constant, providing a secure and standardized means of identification for financial interactions.


How Can I Find The UTR Number?

It is a unique number that is generated for recognizing any fund transfer and is created by the bank that facilitates the transfer. You will find the UTR number in your bank statement listed as Ref no under the transaction details. It may look something like XXXXR520190109599036XX.

How Do I Get My UTR Number?

If you cannot find your UTR on any documents or online, you can contact HMRC . They’ll post a copy to you – this takes around 10 days. If you have a limited company, you can request your Corporation Tax UTR online. HMRC will send it to the business address that’s registered with Companies House.

Does Everyone Have A UTR Number?

The only people who need UTR numbers are those who file Self-Assessment tax returns – that means that they’ve either set up a limited company or they’re self-employed.

What Is The UTR Number Of A Bank Transaction?

A UTR number (unique transaction reference) is a unique reference code that is attached to every transfer sent to India. On the recipient bank statement, the UTR number is visible on the received transfer. The exact format of the number can differ according to payment method.

I Have Covered All The Following Queries And Topics In The Above Article

What Is UTR Number In Paytm

What Is UTR Number In Gpay

UTR Number Tracking Online

What Is UTR Number In Phonepe

What Is UTR Number In Sbi

UTR Number For Upi Transaction

UTR Number Example

UTR Tracking Rbi

What Is UTR Number