What does UTR full form in banking?

 UTR full form is ''Unique transaction reference number''. This number helps you where your balance is stuck & track that area where this problem happens. 
UTR stands for? unique transaction refrence

 What is the UTR-Unique transaction reference number?  

 This is basically used when you transfer the fund through a Unique transaction reference number, in case the transfer fund is stuck somewhere for any reason then the UTR number will help you to track that where your balance is stuck.

It will help you to find out and give you the complete information regarding this & after that, they will transfer the fund into your account.

 How to Use UTR? 

 This number is used to identify the stuck fund which you do a Unique transaction reference number NEFT before.it will help you to identify that where is your balance stuck and what is the reason behind it.