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UPI narration decoder
Paste narrations from a bank statement, one per line. See who was paid, the UPI ID, the app, the UTR/RRN and the bank. Works for UPI, IMPS, NEFT, RTGS, ATM, POS, ACH/NACH and cheques.
Reading UPI narrations by bank
| Bank | Typical shape |
|---|---|
| SBI | TO TRANSFER-UPI/DR/<RRN>/<NAME>/<BANK>/<UPI ID>/<NOTE> |
| HDFC Bank | UPI-<NAME>-<UPI ID>-<IFSC>-<RRN>-<NOTE> |
| ICICI Bank | UPI/<RRN>/<NOTE>/<UPI ID>/<BANK>/<ID> |
| Axis Bank | UPI/P2M/<RRN>/<NAME>/<BANK>/<NOTE> |
| Kotak | UPI/<NAME>/<RRN>/<NOTE> |
Shapes vary by account type and over time; the decoder looks at each part (UPI ID, IFSC, 12-digit RRN, names) rather than fixed positions.
Questions
What is the 12-digit number in a UPI narration?
It is the RRN (retrieval reference number), also called the UPI transaction ID or UTR. Quote it when raising a dispute with the bank or matching a payment with a client.
What do P2M and P2A mean?
P2M is a payment to a merchant (shop, app, biller). P2A / P2P is a person-to-person transfer to an account or UPI ID.
How do I know which app was used?
From the UPI handle after the @: for example @okaxis, @okhdfcbank, @okicici and @oksbi are Google Pay handles; @ybl, @ibl and @axl are PhonePe; @paytm and @pt… are Paytm; @apl is Amazon Pay. Merchant handles often name the bank instead.
Why is the payee name cut off?
Banks truncate narrations to a fixed length (often 20–30 characters per field). The decoder shows what the bank printed; it does not look anything up online.