What Is UTR Means !!

UTR is describe as Unique Transaction Reference Number that is generated in RTG/NEFT system for uniquely identifying any transaction. The format of UTR is predefined and is generated by the bank after initiating the transaction.


UTR has 16 unique no. of RTGS /NEFT  denotes in form of :

First 4 digits for Bank : PUNB  ( Bank Code)

Next 1 digit for Server : N or H [(System Identifier) ; "N" stand for
                                        transactions generated in RTGS/NEFT
                                        interface/application and "H" stand for      
                                        transactions generated in Bank's host 
                                        system

Next 2 digit for year : 16 ( for last two digit of year 2016) 


Next 3 digit for Julian Date : 362 (for 27 December)

Next 6 digit  : Unique Reference Number

for example - 
PUNB-H-16-362-XXXXXX for 27.12.2016 dated transaction.

If you have made any RTGS/NEFT transaction to recipient then don't forget to mention  UTR No. to make it enable to track.