A simple guide on UTR number check, full form, examples, and how to track payments using UPI, NEFT, or RTGS across banks and payment apps. A UTR number (unique transaction reference) is an alphanumeric code that uniquely identifies financial transactions. Learn its importance, examples, and how to check it. Read more. Learn how to do an RTGS status check using your UTR number . Step-by-step guide for tracking via net banking, SMS, email, customer care & bank visits. UTR number is a unique reference number for inter-bank fund transfers using NEFT or RTGS. Learn what a UTR number is, how to find it online , and how to check the payment status with SBI online banking or customer helpline.