How do I track a 12-digit UPI reference number?

To track a UPI transaction using its 12-digit reference number (also known as a UTR or UPI Ref ID), first check your transaction history within your UPI application. For example, if using the Paytm app, you can navigate to the "Balance & History" section, select the specific transaction, and note the reference number. This reference number can then be used to check the status through your bank's customer support or the NPCI UPI complaint portal for any disputes or tracking needs.