What is IFSC Code RATN0000196?
IFSC or Indian Financial System Code is an alpha-numeric code that uniquely identifies a bank-branch participating in the NEFT system.
This is an 11 digit code with the first 4 alpha characters representing the bank, and the last 6 characters representing the branch.
The 5th character is 0 (zero).
IFSC is used by the NEFT system to identify the originating / destination banks / branches and also to route the messages appropriately to the concerned banks / branches.

IFSC is 11 alpha numeric characters code assigned by Reserve Bank of India to bank branches for facilitating online money / fund transfer using NEFT, RTGS or ECS between two bank accounts.

• The code consists of 11 Characters : (RATN0000196) 11 alpha numeric characters code assigned by Reserve Bank of India to The Ratnakar Bank Ltd Gariahat-Kolkata Branch
  
• First 4 characters represent the entity (RATN0000196)
  
• Fifth position has been defaulted with a '0' (Zero) for future use (ICIC0000196)
  
• Last 6 character denotes the branch identity (ICIC0000196)