What is the Full Form of a UTR Number?

By BYJU'S Exam Prep

Updated on: November 9th, 2023

The Full Form of UTR Number is the Unique Transaction Reference Number. In India, every fund transfer transaction is assigned a UTR number. A UTR number is a reference number used to identify an IMPS, NEFT, or RTGS transaction. Every Indian bank employs UTR numbers for local money transfers.

The UTR number is easily discovered on the NRI savings account statement. The statement can also be downloaded or viewed, and the UTR number is a 16 or 22-character number located next to the transaction date.

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UTR Number Full Form

UTR stands for Unique Transaction Reference. It is the reference number for every fund transfer transaction in India. The UTR code is written in the following format: BANKRCYYYYMMDDNNNNNNNN


  • BANK = Bank Code (eg: HDFC, ICICI, SBIN)
  • R = RTGS (Real Time Gross Settlement)
  • C = Channel code (eg: 9 for RTGS)
  • YYYY = Year code (eg: 2017)
  • MM = Month code (eg: 02 for February)
  • DD =Day (eg: 15 for 15th February)
  • NNNNNNNN = 8-digit unique transaction code

If your NRI account has been debited but the beneficiary has not received the money, use the UTR and call the bank’s customer service team. It would assist the bank in tracing the transaction. The UTR number facilitates and speeds up the transaction procedure in India.

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