Are UPI and UTR numbers the same?

Yes, the UPI reference number and the UTR (Unique Transaction Reference) number are essentially the same in the context of UPI payments. Both refer to the unique 12-digit numeric code generated for every transaction.

• The UTR acts as a digital identifier to track and verify your payment status.
• It is the primary reference used by banks to resolve disputes or trace failed transfers.
• This 12-digit number is typically found in your transaction history or bank statement.