IJCRT International Journal of Current Research and Techniques

How to Find Your Transaction / UTR ID

Step-by-step guide for all major UPI apps and banking methods

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Your Transaction ID (also called UTR - Unique Transaction Reference) is a unique number generated after every successful payment. It helps our team verify your payment quickly. This field is optional - but providing it speeds up processing significantly.

What does a UTR / Transaction ID look like?

Depending on the payment method, the ID may be labelled as UTR, Reference ID, Transaction ID, or UPI Ref No. It is typically a 12–22 character alphanumeric string. Examples:

UPI: 506123456789 NEFT/IMPS: UTR1234567890123 PhonePe: P2412241234567890 GPay: CICAgKD...
1
PhonePe PhonePe
  • Open the PhonePe app

    Launch PhonePe on your Android or iOS device and log in.

  • Go to History / Passbook

    Tap the History icon (clock/passbook) at the bottom of the home screen.

    Screenshot: PhonePe Home → History Tab

    Place your screenshot here: assets/utr-phonepe-1.png

  • Tap the IJCRT payment transaction

    Find and tap on the transaction you made to IJCRT.

    Screenshot: PhonePe Transaction List

    Place your screenshot here: assets/utr-phonepe-2.png

  • Copy the Transaction ID

    On the transaction detail page, you will see a Transaction ID or UPI Ref No. - long-press it to copy.

    Screenshot: PhonePe Transaction Detail → Transaction ID

    Place your screenshot here: assets/utr-phonepe-3.png

2
Google Pay (GPay) GPay
  • Open the Google Pay app

    Launch Google Pay and ensure you are signed in.

  • Tap on the transaction

    From the home screen, scroll down to Recent activity and tap the payment you made to IJCRT.

    Screenshot: GPay Recent Activity

    Place your screenshot here: assets/utr-gpay-1.png

  • Find the UPI transaction ID

    Scroll down in the transaction detail view. You will see UPI transaction ID - a long alphanumeric string starting with letters like "CICAg...".

    Screenshot: GPay Transaction Detail → UPI Transaction ID

    Place your screenshot here: assets/utr-gpay-2.png

3
Paytm Paytm
  • Open the Paytm app

    Launch Paytm and log in to your account.

  • Go to Passbook / Transaction History

    Tap the Passbook icon at the bottom menu or go to Profile → Passbook.

    Screenshot: Paytm → Passbook

    Place your screenshot here: assets/utr-paytm-1.png

  • Open the transaction and copy the Order ID / UTR

    Tap on the IJCRT payment. You will see Order ID and Transaction ID / UTR listed in the details.

    Screenshot: Paytm Transaction Detail → UTR / Order ID

    Place your screenshot here: assets/utr-paytm-2.png

4
Net Banking (NEFT / IMPS / RTGS) Bank Transfer
  • Log in to your bank's net banking portal

    Visit your bank's website or mobile app and log in.

  • Open Transaction History / Account Statement

    Navigate to Accounts → Transaction History or download your Account Statement for the relevant date.

    Screenshot: Net Banking Transaction History

    Place your screenshot here: assets/utr-netbanking-1.png

  • Locate the UTR / Reference Number

    Find the relevant transaction. The UTR Number (for NEFT/IMPS) or Reference Number will be shown next to the transaction. It usually starts with your bank's code followed by digits (e.g., HDFC0001234567890).

    Screenshot: Bank statement with UTR number highlighted

    Place your screenshot here: assets/utr-netbanking-2.png

5
From SMS or Email Confirmation SMS / Email
  • Check your bank SMS

    After a successful payment, your bank sends an SMS with the transaction details. Look for keywords like UTR, Ref No, or Transaction ID in the message.

    Example SMS: "Rs.1500 debited from A/c XX1234 on 24-Apr-26. UPI Ref: 506123456789. Available Bal: Rs.XXXX" - the bold number is your Transaction ID.
  • Check your email confirmation

    Many banks and UPI apps send a payment confirmation email. Search your inbox for the merchant name or payment amount - the UTR / Reference Number will be listed in the email body.

Helpful Tips

  • The Transaction ID / UTR is unique to each payment - never share it with anyone except our editorial team.
  • If you paid via UPI, the reference ID from the UPI app and the bank SMS should match.
  • The Transaction ID field in the payment form is optional - you can still submit your payment proof without it.
  • Providing the Transaction ID helps us verify your payment within 24 hours instead of 48 hours.
  • Still can't find it? Email us at editor@ijcrt.org.in with your payment screenshot and we'll assist you.
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