Understanding UTR numbers

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What is a UTR number?

A UTR (Unique Transaction Reference) is a reference number Indian banks assign to every transaction processed via NEFT, RTGS, IMPS, or UPI. Banks and customers use it to track and verify payments.

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UTR number formats

The format varies by payment method: Sample RTGS UTR format: XXXXRCYYYYMMDD########

• XXXX: the sender bank’s IFSC code
• R: indicates the transaction was processed via RTGS
• C: the transaction channel (internet banking, mobile banking, etc.)
• YYYYMMDD: the transaction date
• ########: a unique sequence number assigned to the transaction

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Why UTR numbers matter

When a customer initiates a payin, they transfer fiat to the bank details provided in the quotation. That transfer’s UTR number must be submitted when calling the /payin/initiate endpoint. This is how DollarPe reconciles the incoming fiat with the payin order.

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How to find a UTR number

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From bank statements or passbooks

1. Retrieve your latest bank statement from your bank’s online portal or update your physical passbook.
2. Locate the transaction by date and amount.
3. Look for labels like Reference Number, UTR Number, or Unique Transaction Reference.

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From internet banking

1. Log in to your bank’s internet banking portal.
2. Go to Transaction History or Account Statement.
3. Click the specific transaction.
4. The UTR number appears under UTR, Reference Number, or Transaction ID.

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From mobile banking

1. Open your bank’s mobile app.
2. Go to Transaction History or Account Statement.
3. Select the relevant transaction.
4. Find the UTR under Reference Number, UTR ID, or a similar field.

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From transaction confirmation messages

1. Check for transaction confirmation emails or SMS from your bank.
2. Open the message and find the UTR number in the transaction details.