You can track your RTGS (Real-Time Gross Settlement) transaction status primarily through your bank's digital platforms or by contacting their customer service, typically using a UTR (Unique Transaction Reference) number.
Understanding the UTR Number
The UTR number is a unique 16-character code assigned to every RTGS or NEFT transaction. It acts as a digital receipt and is crucial for tracking the status of your transfer. You usually receive this number via SMS, email, or in your transaction history after initiating the payment.
Methods to Track Your RTGS Status
There are two primary ways to check the status of your RTGS transaction using your UTR number:
1. Via Internet Banking or Mobile App
Most banks offer convenient ways to track your transactions directly through their online banking portals or mobile applications. This is often the quickest and most preferred method.
Steps to check status via digital platforms:
- Log In: Access your internet banking account or open your bank's official mobile application.
- Navigate to Transfers/Payments: Look for a section usually labeled "Past Transfers," "Transaction History," "Fund Transfer History," or "View Transactions."
- Search for the Transaction: Utilize the search or filter options. You will typically be prompted to enter the UTR number of the specific RTGS transaction you wish to track.
- View Status: Once you input the UTR number, the system will display the current status of your transaction, such as "Successful," "Processing," or "Failed."
2. By Contacting Bank Customer Care
If you prefer speaking to a representative or if you encounter issues using digital platforms, contacting your bank's customer care is an effective alternative.
Steps to check status via customer care:
- Locate Contact Information: Find your bank's official customer care helpline number, usually available on their website, mobile app, or your bank passbook.
- Prepare Your Details: Have your UTR number, transaction date, sender's name, and recipient's details ready. This information will help the representative quickly locate your transaction.
- Speak to a Representative: Explain that you wish to inquire about the status of an RTGS transaction and provide them with the UTR number.
- Receive Update: The customer service representative will verify the details and inform you of the transaction's current status.
| Method | Description | Key Information Required | Advantages |
|---|---|---|---|
| Internet Banking/Mobile App | Log in to your bank's online platform and search transaction history. | UTR Number | Instant, 24/7 availability, self-service |
| Bank Customer Care | Call your bank's helpline and speak to a representative. | UTR Number, Transaction Details | Personal assistance, troubleshooting support |
What to Do If Your RTGS Transaction is Delayed or Fails
- Wait for a While: RTGS transactions are typically real-time, but sometimes there can be minor delays due to technical issues. Give it a reasonable amount of time (e.g., 30 minutes to an hour).
- Verify Details: Double-check that all recipient details (account number, IFSC code) were correct when you initiated the transfer. Incorrect details are a common cause of failure or return.
- Contact Your Bank: If the status remains 'Processing' for an extended period, or if it shows 'Failed' and the amount hasn't been credited back to your account within the expected timeframe, contact your bank immediately with your UTR number. They can investigate the issue.
For more information on the Unique Transaction Reference (UTR) number, you can refer to banking resources provided by the Reserve Bank of India or your financial institution.
