Custom Reference Number for customer

Custom Reference Number for customer

Hi guys, 
I am new to Zoho and I am wondering about the following: 

Before using Zoho, I used Excel for my CRM management. Every customer got a Reference Number which looked like this: 

NZ-KKR-190621-1

NZ was a preset (always in the beginning), KRR is the owner of the contact, 190621 is the date I created the customer and 1 was an ongoing number. 

Is there a way to implement this as an automatic generated reference number when I enter a new customer?
If there is a way, please explain it step by step as I am new to the software. 

Thanks!
Kristina