What is the Full Form of a UTR Number?

By Ritesh|Updated : July 27th, 2022

The Full Form of UTR number is the Unique Transaction Reference number. Every fund transfer transaction in India has a UTR number. UTR number is basically a reference number for identifying an IMPS, NEFT, or RTGS transaction. Every Indian bam uses UTR numbers for the local modes of money transfer. The UTR number can be found easily in the NRI savings account statement. People can also download or view the statement, and the UTR number is a 16 or 22-character number located next to the transaction date.

Full Form of a UTR

UTR full form is Unique Transaction Reference. It is the number associated with every fund transfer transaction in India. The format of the UTR code is-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 is debited but the beneficiary has not received the funds then you need to use the UTR and contact the bank customer support team. It would help the bank to trace the transaction. UTR number makes the transaction process in India smoother and easier.

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FAQs for What is the Full Form of a UTR Number?

  • UTR stands for Unique Transaction Reference. UTR number helps to identify bank transaction, and all banks in India use UTR numbers for money transfer.

  • The  UTR number of NEFT transactions is 16 characters long, and this number can be used to track the status of the transaction.

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