Can a reference number be tracked?

Yes, a reference number, such as a UPI reference number (UTR), can be tracked. This unique 12-digit number is vital for resolving any transaction issues or disputes. You can usually find the reference number within the transaction history section of your payment application. For example, using the Paytm app, navigate to 'Balance & History', select the specific transaction, and note the UPI reference number for tracking or assistance.