How UTR number looks like

A UTR number is a unique 16-digit or 22-digit alphanumeric reference code assigned to each RTGS or NEFT transaction in India. The format typically includes a combination of letters and numbers that identify the bank, branch, transaction date, and a unique serial number. For example, it might look like "HDFC0001234567890123" or a similar pattern depending on your bank. You can find your UTR number for RTGS and NEFT in your bank statement, transaction receipt, or mobile banking app under transaction details.

If you're receiving international payments as a freelancer or exporter, platforms like Skydo provide clear transaction records with all reference numbers including UTR codes for domestic transfers. This makes it easy to track and reconcile your cross-border payments when they're converted and credited to your Indian bank account.