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| Definition | : | Unique Transaction Reference |
| Category | : | Business » Banking |
| Country/ Region |
: | India
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| Popularity | : |
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Unique Transaction Reference (UTR) is a 22 character long code that is generated in Real Time Gross Settlement (RTGS) system for uniquely identifying any transaction. The format of UTR code is : BANKRCYYYYMMDDNNNNNNNN, where
BANK = Bank Code (eg: HDFC, ICICI, SBIN)
R = RTGS (Real Time Gross Settlement)
C = Channel code (eg: 9 for RTGS)
YYYY = Year code (eg: 2017)
MM = Month code (eg: 02 for February)
DD =Day (eg: 15 for 15th February)
NNNNNNNN = 8 digit unique transaction code
Channel code:
1 =Internet Banking, 2 =Cash Management, 3 =Treasury, 4 =ATM, 5 =Mobile, 6 =Other, 9 =RTGS
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The full form of UTR is Unique Transaction Reference