How do I use a reference number?

A reference number, such as a Transaction Reference Number (TRN) or UPI Reference Number (UTR), is a unique ID assigned to financial transactions like transfers and bill payments. You can use it to track and verify the status of a transaction, especially when checking your bank statements. The number is also essential for raising disputes or queries with customer support or the bank regarding a specific transaction. For example, if using the Paytm app, you can find the UPI reference number in your transaction history.