Is UPI ref ID and UTR the same?

Yes, the UPI reference ID and the UTR (Unique Transaction Reference) number are essentially the same. Both terms refer to the unique 12-digit code generated for every UPI transaction. This number is crucial for tracking the payment status, especially if a transaction is pending or if you need to raise a dispute with your bank or customer support. You can find this reference ID in the transaction history section of the UPI app.