A UTR number is a unique transaction reference number given by a bank for identifying NEFT, IMPS, or RTGS payments. For each settlement, a UTR number is generated which can be used to reconcile payments settled to a bank account. In Paytm, the UTR number can be found in the detailed bank statement, under the online banking section. To know about the reference number of any transaction, you can also click on the ‘transaction details’ or ‘narration’ option in your bank account statement. Upon clicking, the details of the specific transaction will be displayed. For the available details, the UTR number can be easily identified by its format. There are also videos available on YouTube that explain how to check the UTR number in Paytm.