What is UPI Reference Number (UTR) and How to Track it?

Have you ever made a payment through UPI and noticed a random string of digits? That’s your UPI Reference Number. Think of it as a digital fingerprint for every transaction, making it easy to trace, verify, and resolve any issues related to your payment. Whether you're paying for groceries, sending money to friends, or shopping online, this number helps keep everything clear and secure.

In this blog, we’ll explore what a UPI Reference Number is, why it’s important, and how it can be useful when you need it most. Let’s dive in and get into the details!

What is a UPI Reference Number?

A UPI reference number, also known as a UTR (Unique Transaction Reference) number, is a unique code assigned to every transaction made through the UPI system. This 12-digit number is automatically generated whenever you send money or make a payment using UPI. Its purpose is to act as a unique identifier for the transaction, helping to track or confirm its status.

The reference number is useful for both the person sending the money and the person receiving it. It ensures there’s a clear record of the transaction, which can be helpful in case of any confusion or if a payment doesn’t go through as expected. For example, if a payment seems delayed or doesn’t reflect in the recipient’s account, this number can be shared with customer support or your bank to investigate and resolve the issue.

If you’re using a UPI app like Freo, you’ll find the reference number as part of your transaction details. It will look like a sequence of 12 numbers, such as 4242 4142 3799, making it easy to locate and share if needed. Always keep this number handy for tracking or resolving any payment-related concerns.

How to Find UPI Reference ID?

To find your UPI reference number or ID, first check your transaction history or the payment confirmation message in your UPI or banking app after completing the payment. The reference ID is a unique alphanumeric code that will be listed with the transaction details. You can also tap on the transaction itself to see more information.

If you sent a UPI payment request, the reference ID will appear in the confirmation message you receive.

It's important to know where to find this reference ID, as it helps in tracking transactions, confirming payments, and resolving any issues that may arise with your payments.

How to Track 12-Digit UPI Reference Number?

If you're looking to track a UPI reference number for a transaction, follow these simple steps to find the details you need.

1. Open Your UPI App: Start by opening the UPI app you used for the transaction. This could be any UPI app like Google Pay, PhonePe, Freo, or your bank’s app.
2. Go to the 'Transaction History' Section: Once you're in the app, look for the section that shows your past transactions. It’s usually labeled something like ‘Transaction History’ or ‘Past Transactions.’
3. Find the Transaction: Scroll through the list of transactions until you find the one you’re looking for. It might show the date, amount, and the recipient’s name to help you identify it.
4. Check for the UPI Reference Number: When you tap on the specific transaction, you should see detailed information. The UPI reference number will typically be listed there, often labelled as ‘Transaction ID’ or ‘Reference Number.’
5. Note the Reference Number: You can copy or take note of this number for any future reference. It’s helpful if you need to report an issue or check on the transaction later.

Why Use Freo for UPI Transactions?

If you're looking for a hassle-free way to make UPI transactions, Freo is the app for you. It’s secure, easy to use, and designed to make your transactions smooth and simple. Whether you're sending money to a friend or paying bills, Freo lets you do it directly from your phone, without any complications.

One thing you'll love about Freo is its simplicity. The app's user-friendly design makes it easy to navigate, and if you ever need help, our 24/7 customer support is always there for you. Plus, every time you make a UPI transaction, you get a reference number. This number is your transaction ID and can be super helpful if you run into any issues. Just share it with customer support, and they’ll be able to track down and fix any problems quickly.

Frequently Asked Questions (FAQs)

1. What is the purpose of a UPI reference number?

   A UPI reference number acts as a unique identifier for each transaction made through the Unified Payments Interface (UPI). It helps track and verify your payments within the system.

2. Is it safe to share my UPI reference number?

   It's not a good idea to share your UPI ID or linked mobile number openly. Only provide this information privately, especially when conducting business or financial transactions.

3. Can I change my UPI reference number?

   No, you can’t change the UPI reference number. Each one is created specifically for a single transaction and cannot be altered.

4. How many digits does a UPI reference number have?

   Typically, a UPI reference number consists of 12 digits.

5. Can I use the same UPI reference number for more than one transaction?

   No, every UPI reference number is unique to a particular transaction, so you cannot use it for multiple payments.

6. Is a UPI reference number the same as a transaction ID?

   Yes, the UPI reference number and the transaction ID are often the same, as both serve the same purpose of identifying the transaction.

7. Do I need to share my UPI reference number when making a payment?

   No, there's no need to share your UPI reference number while making a payment. It’s automatically generated for each transaction.

8. What should I do if I lose my UPI reference number?

   If you lose your UPI reference number, start by checking your transaction history in your UPI app or your bank statement. If you're still unable to find it, reach out to your bank's customer support team, providing transaction details so they can assist you.