Real-time Gross Settlement (RTGS) is an electronic fund transfer system that lets you transfer or receive money instantly and securely. It is one of the fastest and most reliable modes of payment in India, as it operates in real time and settles transactions individually.
However, sometimes, you may face issues or delays in your RTGS transactions because of network problems, incorrect details or technical glitches. In such cases, you need to check the status of your RTGS transaction to ensure that your money has reached the intended beneficiary. To do this, you need a unique identifier (UTR) for your transaction.
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What is a UTR (Unique Transaction Reference) Number?
A UTR number is a 12-digit alphanumeric unique reference code generated by the initiating bank and assigned to every financial transaction through RTGS or NEFT systems, communicated to both the sender and receiver of the funds.
It is essential for tracking and identifying individual transactions, as no two transactions can have the same RTGS UTR number tracking. It also helps in resolving any issues or discrepancies that may arise in the RTGS process.
Related Read: How to Do Fund Transfer Using RTGS?
Where can you find the UTR Number?
A UTR number is an important piece of information that you should keep handy whenever you make or receive an RTGS transaction. You can find your RTGS UTR no. tracking in various places, such as:
Bank Transaction Receipt
When you initiate an RTGS transaction at a bank branch, you will receive a transaction receipt that contains the UTR number along with other details, such as the amount, date, time and beneficiary account number.
Online Banking Statement
If you use online banking or mobile banking to make an RTGS transaction, you can check your transaction history or statement to find the UTR number. You can also download or print the statement for future reference.
Payment Confirmation Email
Some banks send a payment confirmation email to the sender and receiver of the RTGS transaction, which includes the UTR number and other relevant details. You can check your email inbox or spam folder to find the email and the UTR number.
Related Read: RTGS Transfer Timings in India
How to Check RTGS Transaction Status by UTR Number?
To proceed with the RTGS status check, use the following methods
Method 1: How to Check RTGS Status by UTR Number through Internet Banking?
STEP 1: Log in to your internet banking account
Use your credentials to access your online banking portal.
STEP 2: Locate the transaction history or account statement section
This is usually found under the “Accounts” or “Transactions” tab.
STEP 3: Search for the RTGS transaction
You can often search by date, amount, or beneficiary name.
STEP 4: View transaction details
Once you find the transaction, click on it to view the details.
STEP 5: Check the UTR number
Verify that the UTR number displayed matches the one you have.
STEP 6: Check the transaction status
The status will typically indicate whether the transaction is pending, successful, or failed.
Method 2: How to Check RTGS Status by UTR Number through Customer Support?
STEP 1: Gather necessary information
Have your account number, UTR number, and transaction details ready.
STEP 2: Contact your bank’s customer support
You can usually find the contact number on your bank’s website, ATM card, or passbook.
STEP 3: Request to check RTGS status
Inform the customer service representative that you want to check the status of an RTGS transaction.
STEP 4: Provide UTR number
Share the 12-digit alphanumeric UTR number with the representative.
STEP 5: Verify your identity
The representative might ask for additional information to verify your identity, such as your account number or personal details.
STEP 6: Obtain transaction status
The representative will check the status of your transaction using the UTR number and provide you with the necessary information.
Method 3: How to Check RTGS Status by UTR Number Via SMS?
Your bank will give you a specific number to send a text message to. Ensure that you include the RTGS transaction’s UTR number in the message. You will get a reply message with the transaction status.
Method 4: How to Check RTGS Status by UTR Number Via Email?
You can also inquire about the status of an RTGS transaction by emailing your bank’s designated email address. You must mention your account details and the UTR number of the RTGS transaction in the email. You will obtain a response with the transaction status and the reason for any failure or delay.
Method 5: How to check RTGS status in-branch using UTR?
The last option to check the status of an RTGS transaction is to visit your bank branch in person. You must carry your identity proof and passbook or statement with the RTGS transaction details.
Read About: RTGS Transfer Charges
Key Considerations for RTGS Transaction Status
Here are some critical considerations for RTGS transaction status:
- RTGS UTR number is a 22-digit code identifying each RTGS transaction. It has the sender’s IFSC (Indian Financial System Code), the RTGS system code, the channel of the transaction, the date of the transaction, and a sequence number. The UTR number helps to track and confirm the status of the RTGS transaction.
- To check the status of RTGS transactions, you can use online methods or contact customer support. Online methods include visiting the RTGS transaction tracking website, logging into your Internet banking account or mobile app, and searching for the required transfer using your UTR number. Customer support methods include calling the bank’s helpline number, visiting the bank branch, and providing the UTR number to the staff.
- When accessing RTGS transaction details, you should safeguard your personal information and login credentials. Do not share your RTGS UTR number, account number, IFSC or password with anyone. Use a secure device and network to access online methods. Beware of phishing emails or calls asking for your RTGS transaction details. Report any dubious or fraudulent activity to your bank immediately.
Frequently Asked Questions
1. Is there a time limit for checking RTGS transaction status?
There is no time limit for checking RTGS transaction status. You can track your transaction status anytime using the UTR number and the transaction date.
2. Are there charges for checking RTGS transaction status?
There are no charges for checking RTGS transaction status.
3. How soon does an RTGS transaction appear in status checks?
An RTGS transaction appears in status checks as soon as it is processed by the RBI. The processing time depends on the availability of the RTGS system and the network connectivity.
4. What if I encounter an issue with the RTGS transaction status?
If you encounter an issue with the RTGS transaction status, you can contact your bank or the RBI customer care for assistance. You can also file a complaint through the RBI website.
