Check your bank statement or passbook for the transaction reference number
Look in your net banking or mobile banking transaction history
Open the payment confirmation SMS or email from your bank or payment app
Check the receipt generated after the transfer
For UPI payments, find the UTR in the transaction details section of the app
For NEFT, RTGS, or IMPS transfers, contact your bank if the UTR is not visible
Ask the sender or recipient to share the transaction reference details
Contact customer support of your bank or payment service with the transaction date, amount, and account details