How do I track a 12 digit UPI reference number?

You can track a 12-digit UPI reference number (UTR) by checking the transaction history in the UPI app you used for the payment. Alternatively, you can log in to your bank's official website or mobile application and navigate to the transactions or account activity section to view the status. For example, in the Paytm app, you can find the reference number in the 'Balance & History' section of the specific transaction. If needed, contact your bank's customer support with the reference number for assistance.