How to find UTR number

Your UTR number appears on your bank statement after completing an RTGS or NEFT transaction. It is a unique 16 or 22 character reference code generated automatically by the system. You can also find it in your transaction confirmation SMS or email from your bank, or by checking your online banking portal under transaction history. For international transfers, understanding what is the UTR number for RTGS and NEFT helps you track payments effectively and resolve any discrepancies with your bank.

If you regularly receive international payments, platforms like Skydo provide clear transaction records with complete reference details, making it easier to reconcile foreign currency receipts. Simply log into your banking portal or contact customer support with approximate transaction details if you cannot locate a specific UTR code immediately.