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Less than 3Cr
3Cr to less than 5Cr
(1Yr 11 days to 1Yr 24 days)
Less than 3Cr
3Cr to less than 5Cr
(2Yr < 30Mts)
Less than 3Cr
3Cr to less than 5Cr
(1Yr 11 days to 1Yr 24 days)
Less than 3Cr
3Cr to less than 5Cr
(2Yr < 30Mts)
Less than 3Cr
3Cr to less than 5Cr
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Explore offers, invest, download statement on Axis Bank Mobile App open.
24*7 Fund Transfer, Bill Pay, & UPI on Axis Bank Mobile App open.
and 100% on road funding for 8 years with Axis Bank Car Loans.
with Axis Bank Home Loan and get 12 EMIs* waived off. *T&C apply
with interest rates starting at 11.1% p.a. *T&C apply
UTR number is the key factor when it comes to identification in the case of financial transactions, where every digit and code holds some significance. Whether you are a seasoned investor, an accountant or simply managing your finances, understanding the essence of UTR numbers is crucial.
Let’s explore the mysteries surrounding the UTR number, its definition, significance and practical applications.
UTR full form is Unique Transaction Reference. Think of it as a digital fingerprint assigned to each financial transaction. This alphanumeric code serves as a unique identifier, differentiating one transaction from another in the vast sea of monetary movements. A UTR number is generated whenever you make a financial transaction, to represent the essence of that particular transaction.
Now that you know the UTR number meaning, it is important to understand that it gives transactions uniqueness and facilitates easy tracing. A UTR number is generated each time you transfer payment from one bank to another using RTGS or NEFT.
UTR number in bank transactions is generally 16 digits long for NEFT and 22 characters long for RTGS. The UTR number incorporates the bank’s code, transaction type, channel, date and sequence number.
This number facilitates seamless tracking and reconciliation of transactions, ensuring transparency and accountability in financial dealings.
The UTR number is typically mentioned in your statements or passbooks accompanying each transaction.
Most banks, including Axis Bank, offer Internet Banking facilities to access detailed transaction histories with just a few clicks. Log in to your Internet banking portal, go to the transaction history section, and voila, you will find all your UTR numbers there easily.
With the ease of mobile banking apps, managing your finances has never been more convenient. Simply use your smartphone, open your banking app, and search your transaction history. Within seconds, you will discover a world of UTR numbers associated with your recent transactions right at your fingertips.
Banks often send transaction alerts via email or SMS, containing essential details, including the UTR number. Keep an eye on your inbox or messages for any notifications from your bank regarding recent transactions. You can effortlessly retrieve your UTR number and stay informed about your financial activities.
Also Read:What is digital payment? – Overview, methods & benefits
The UTR full form is Unique Transaction Reference. A UTR number is crucial for tracking your bank transactions, thus ensuring transparency and accountability. To track a UTR number:
The UTR number is a unique identifier for each transaction made through the NEFT or RTGS systems.
This number helps banks and customers trace a specific transaction in case of discrepancies or delays. It ensures that each transaction is unique, preventing duplication or errors in the financial system.
Additionally, it provides a detailed trail of the transaction’s journey across banks, ensuring transparency and accountability in the financial process.
Finding the UTR number of your NEFT transactions is simple.
Log into your online banking account or mobile banking app and navigate to the ‘Transaction History’ or ‘Statement’ section.
Locate the specific transaction by its date or amount, and you will find the UTR number listed in the transaction details.
If you have received a transaction confirmation via SMS or email, the UTR number may also be included there. This UTR number is essential for tracking and verifying the status of your NEFT transactions.
To identify the UTR number for an RTGS transaction, log into your online banking portal or mobile app.
Access your transaction history or account statement. The UTR number, which is essential for tracking the status of your RTGS payment, will be listed under the details of each transaction.
This number is usually 22 characters long, starting with your bank’s IFSC, followed by the date and unique transaction number. In case you don’t have online access, you can also find the UTR number on the RTGS confirmation message sent by your bank via SMS or email.
UTR number is the thread that binds everything together with transparency, accountability and traceability, ensuring a seamless way of checking finances. By understanding the meaning of UTR numbers and knowing how to access them, you empower yourself to navigate the complex landscape of financial transactions with confidence and clarity. So, the next time you initiate a transaction, remember to look for the UTR number.
Disclaimer: This article is for information purpose only. The views expressed in this article are personal and do not necessarily constitute the views of Axis Bank Ltd. and its employees. Axis Bank Ltd. and/or the author shall not be responsible for any direct / indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information. Please consult your financial advisor before making any financial decision.
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