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
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.
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