Payments

UPI Reference Number: How to Track Payment Status Online

UPI is one of the most widely used digital payment systems in India. Each time you make a UPI payment or transfer, the system creates a unique transaction reference number (UTR), a 12-digit numeric code defined by NPCI. Some apps or banks may display it with extra letters, making it appear 12–16 characters long.

Ananya Joshi Author
Ananya JoshiContent Writer
October 22, 2025 8 mins
upi reference number tracking
October 22, 2025 8 mins
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