Where is the UPI reference number? Open the payment in your UPI app's history. It is a 12-digit number called UPI Ref No, UTR or Transaction ID.

Fundraisers for a person get a general donation receipt (no 80G). SHUDDHI-approved NGOs with valid 80G give an 80G receipt. QR donations under ₹500 go to SHUDDHI's general fund.

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