IFSC Code of Tamilnad Mercantile Bank Limited, Ayodhya Branch, Uttar Pradesh

Below are the complete branch details for Tamilnad Mercantile Bank Limited, AYODHYA branch, located in AYODHYA, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is TMBL0000580. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case TMBL0000580 for Tamilnad Mercantile Bank Limited – AYODHYA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Tamilnad Mercantile Bank Limited – AYODHYA is TMBL0000580. The first four letters TMBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000580 map to this branch in AYODHYA, UTTAR PRADESH.

Branch details at a glance

About the bank

Tamilnad Mercantile Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ayodhya branch in Ayodhya, Uttar Pradesh is part of this network and uses the IFSC code TMBL0000580 for all electronic settlement.

About the Ayodhya branch

The Ayodhya branch of Tamilnad Mercantile Bank Limited is situated at NO 3 1 135 GROUND FLOOR MUKERI TOLA NIYAWAN ROAD AYODHYA 224001. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code TMBL0000580 is used.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Tamilnad Mercantile Bank Limited's AYODHYA branch came to be assigned the code TMBL0000580.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC TMBL0000580, money simply cannot be routed to the AYODHYA branch electronically.

How to transfer money using IFSC TMBL0000580

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC TMBL0000580 across all three.

NEFT to Tamilnad Mercantile Bank Limited, AYODHYA using IFSC TMBL0000580

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC TMBL0000580, and confirm that the system picks up Tamilnad Mercantile Bank Limited – AYODHYA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to AYODHYA

If you need to transfer ₹2 lakh or more in one go to an account at Tamilnad Mercantile Bank Limited's AYODHYA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC TMBL0000580 while initiating the transfer and the credit will appear within minutes.

IMPS to Tamilnad Mercantile Bank Limited AYODHYA (IFSC TMBL0000580)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC TMBL0000580 in your mobile or internet banking app, and the money is credited to the AYODHYA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ayodhya

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC TMBL0000580:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at AYODHYA is still linked to IFSC TMBL0000580.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC TMBL0000580

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Tamilnad Mercantile Bank Limited – AYODHYA is still mapped to IFSC TMBL0000580. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC TMBL0000580 and the beneficiary's account number to complete the transfer.

Account types you can open at the Ayodhya branch

Once you have an account at Tamilnad Mercantile Bank Limited – AYODHYA, the IFSC TMBL0000580 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Ayodhya branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 5278-8925412646.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC TMBL0000580

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Tamilnad Mercantile Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC TMBL0000580 and the account number together uniquely identify the Ayodhya branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC TMBL0000580

Tamilnad Mercantile Bank Limited customers can register for net banking and the bank's official mobile app once their account at the AYODHYA branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC TMBL0000580 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Tamilnad Mercantile Bank Limited – AYODHYA:

• The IFSC is exactly TMBL0000580 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Tamilnad Mercantile Bank Limited as the bank name and AYODHYA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Ayodhya branch sits at NO 3 1 135 GROUND FLOOR MUKERI TOLA NIYAWAN ROAD AYODHYA 224001. If you are travelling from outside Ayodhya, search for the branch on a maps application using the bank name and locality, or call 5278-8925412646 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC TMBL0000580 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC TMBL0000580 for Tamilnad Mercantile Bank Limited – AYODHYA, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Ayodhya branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC TMBL0000580, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code TMBL0000580 belongs to Tamilnad Mercantile Bank Limited's AYODHYA branch, located at NO 3 1 135 GROUND FLOOR MUKERI TOLA NIYAWAN ROAD AYODHYA 224001 in AYODHYA, UTTAR PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.