What is the 12-digit transaction reference number?

The 12-digit transaction reference number is commonly known as the Retrieval Reference Number (RRN) in UPI transactions. It acts as a unique identifier, like a digital fingerprint, for every transaction. Banks and service providers use the RRN to track transactions and resolve issues such as payment delays or errors. If you use an application like Paytm, this number is accessible in the transaction details section.