List of Ratnakar Bank Unchagaon Branch Address, IFSC Codes, MICR Codes, NEFT Code, Customer Care Services, Toll Free Numbers and E-mail Address. Branch Code: 000045 NEFT Code: NA IFSC Code: RATN0000045 MICR Code: 416176006 Address: Dr.j.y. Patils Building, Unchagaon - 416 005. Tal.karveer,dist.kolhapur. Contact Number: 0231-2605682 Customer Service: Call Ratnakar Bank at: +91 22 61156300 to 99 1800 123 8040 Email: customercare@rblbank.com Ratnakar Bank Credit Cards Helpline Number: 1800 121 9050