Wondering about the UTR number in PhonePe? When you make transactions on PhonePe, a unique reference number known as the UTR number is generated instantly. The number is unique for every single transaction.

Finding the UTR number is quite simple in the PhonePe application. This guide will explain to you in detail what a UTR number is, why it is important for tracking PhonePe transactions, and how to easily find it. Let’s get you started right away!

What Is the UTR Number?

What Is The UTR Number in PhonePe & How to Find It?

A UTR number stands for Unique Transaction Reference Number. It is a 12-digit alphanumeric code that is automatically generated whenever a financial transaction takes place through modes like NEFT, RTGS, or UPI. Some key features of the UTR number are:

  1. It is unique for every single transaction.
  2. It provides a reference for tracking status.
  3. It serves as an authentic identifier for any complaints.
  4. The number is generated instantly as soon as the transaction is initiated.

For PhonePe users, knowing the UTR number is critical to tracking payments and resolving any issues efficiently.

Also Read: How To Pay From PhonePe Wallet (A Step-By-Step Guide)

Importance of UTR Number in PhonePe

The UTR number is extremely useful in PhonePe for the following reasons:

  1. Transaction Tracking – The unique code helps track the status of transactions in case there are issues like payment failures or delays.
  2. Troubleshooting – It serves as an authentic reference when contacting PhonePe customer support regarding failed or stuck transactions.
  3. Complaint Resolution – PhonePe uses the UTR number to verify user complaints and quickly resolve reported issues with transactions.
  4. Payment Records – It enables maintaining proper records of all transactions on PhonePe.
  5. Problem Identification – The number helps identify the exact point where the transaction failed or had issues.

So, in summary, the UTR number serves as a convenient way to track and troubleshoot PhonePe transactions. It is vital for payments on the platform.

How to Find UTR Number In PhonePe?

If you need to find the UTR number for your PhonePe payments and transfers, here is the detailed step-by-step process:

Step 1: Launch The PhonePe App

  • First, open the PhonePe app on your Android or iOS smartphone.
  • Log in to your account by entering the registered mobile number and password.
How To Delete PhonePe Account Via The Application Methods

Step 2: Visit Transaction History

  • After logging in successfully, you will see the PhonePe home screen.
  • At the bottom right corner of the screen, tap on the ‘History’ option.
How to Find UTR Number In PhonePe Methods

Step 3: Select the Specific Transaction

  • The app will display the complete details and records of your past transactions.
  • Scroll and locate the specific transaction whose UTR number you need to find.
How to Find UTR Number In PhonePe Guide

Step 4: Open The Transaction Details Page

  • After selecting the transaction, tap on it, which will open the detailed transaction view.
  • This will show complete information and a breakdown of the transaction.

Step 5: View UTR Number

  • On the details page, scroll down to the ‘Debited From’ section.
  • Under it, you will see the 12-digit UTR number for that transaction.
  • Make a note of this number for your reference.
How to Find UTR Number In PhonePe

This easy 5-step process helps retrieve the UTR number within the PhonePe app instantly.

Also Read: How To Check FASTag Balance In PhonePe? (5 Easy Steps)

Other Methods to Find UTR Number

Apart from checking the transaction history in the PhonePe app, users have a few other convenient options to find the UTR number:

Method 1: Bank Account SMS Alerts

  • Whenever a transaction is completed on PhonePe, an SMS alert is sent by the bank to your registered mobile number.
  • This SMS contains details of the payment, including the 12-digit UTR number allotted for it.
  • So, if you maintain a record of the SMS alerts, the UTR number can be easily retrieved from them as well.

Method 2: Bank Account Passbook

  • The passbook is the physical record of transactions for your bank account.
  • It contains detailed entries of each debit and credit from your account.
  • The UTR number is printed next to each transaction in the passbook for reference.
  • You can find the number from here without needing to log in to any app or portal.

Method 3: Bank Account e-Statements

  • Most banks today provide digital statements that can be downloaded for your account.
  • These e-statements contain records of all transactions during the statement period.
  • Each transaction entry has full details, including the 12-digit UTR number.
  • It can be retrieved by simply downloading and viewing the relevant e-statement.

Method 4: UPI App History

  • Apart from PhonePe, the transaction UTR number is also available in other UPI apps like Google Pay, PayTM, etc., if used for the transfer.
  • Open the specific UPI app, go to history, and select the relevant entry.
  • The details page will show the transaction UTR number for reference.

So, in essence, the PhonePe payment UTR number can be conveniently obtained from multiple sources for tracking, filing complaints, or record-keeping purposes.

What Is The UTR Number in PhonePe & How to Find It


In summary, the UTR number is a unique 12-digit reference code generated for every financial transaction initiated via PhonePe, banks, and other UPI apps. It helps track the status of payments, troubleshoot issues easily, and maintain proper records.

Use the step-by-step process outlined above to quickly find the UTR number for any PhonePe transaction right within the app or via the other channels. For more content, stay tuned with us!

Similar Posts

Leave a Reply

Your email address will not be published. Required fields are marked *