IFSC Code of Tamilnad Mercantile Bank Limited, Chennai Perungalathur Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to Tamilnad Mercantile Bank Limited's CHENNAI PERUNGALATHUR branch in CHENNAI, TAMIL NADU. The branch's IFSC code TMBL0000531 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, TMBL0000531 is the IFSC of Tamilnad Mercantile Bank Limited's CHENNAI PERUNGALATHUR branch. The format is fixed: TMBL = bank code, 0 = reserved, 000531 = branch identifier.

Branch details at a glance

Bank profile

Tamilnad Mercantile Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Chennai Perungalathur branch — IFSC TMBL0000531 — extends the bank's services to customers in and around Chennai, Tamil Nadu.

About the Chennai Perungalathur branch

The Chennai Perungalathur branch of Tamilnad Mercantile Bank Limited is situated at GROUND FLOOR, NO46 57, KAMARAJ NEDUNCHALAI,NEW PERUNGALATHUR, CHENNAI 600 063. 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 TMBL0000531 is used.

Why every Tamilnad Mercantile Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including CHENNAI PERUNGALATHUR of Tamilnad Mercantile Bank Limited — its own 11-character IFSC. The code TMBL0000531 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC TMBL0000531 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC TMBL0000531

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 TMBL0000531 across all three.

How to use IFSC TMBL0000531 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Tamilnad Mercantile Bank Limited's CHENNAI PERUNGALATHUR branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC TMBL0000531.
4. Confirm the bank name auto-populates as Tamilnad Mercantile Bank Limited and the branch as CHENNAI PERUNGALATHUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to CHENNAI PERUNGALATHUR

If you need to transfer ₹2 lakh or more in one go to an account at Tamilnad Mercantile Bank Limited's CHENNAI PERUNGALATHUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC TMBL0000531 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Tamilnad Mercantile Bank Limited – CHENNAI PERUNGALATHUR, use IMPS. With IFSC TMBL0000531 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC TMBL0000531 for Tamilnad Mercantile Bank Limited – CHENNAI PERUNGALATHUR, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Chennai Perungalathur branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Tamilnad Mercantile Bank Limited's CHENNAI PERUNGALATHUR branch, the IFSC TMBL0000531 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Chennai Perungalathur branch

Once you have an account at Tamilnad Mercantile Bank Limited – CHENNAI PERUNGALATHUR, the IFSC TMBL0000531 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 Chennai Perungalathur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 44-8925813568.

• 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 TMBL0000531

MICR & cheque-truncation details

Cheques drawn on the Chennai Perungalathur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC TMBL0000531 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Chennai Perungalathur branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC TMBL0000531 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

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 – CHENNAI PERUNGALATHUR:

• The IFSC is exactly TMBL0000531 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 CHENNAI PERUNGALATHUR 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.

How to reach the Chennai Perungalathur branch

The branch is located at GROUND FLOOR, NO46 57, KAMARAJ NEDUNCHALAI,NEW PERUNGALATHUR, CHENNAI 600 063, which puts it inside Chennai, the broader Chengalpattu district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Tamilnad Mercantile Bank Limited Chennai Perungalathur branch” — the verified location pin for IFSC TMBL0000531 should appear at the top of the results.
2. Confirm the branch is open by calling 44-8925813568 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC TMBL0000531 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC TMBL0000531 for Tamilnad Mercantile Bank Limited – CHENNAI PERUNGALATHUR, 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.

Working hours

Branch counters at Chennai Perungalathur are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to TMBL0000531 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code TMBL0000531 belongs to Tamilnad Mercantile Bank Limited's CHENNAI PERUNGALATHUR branch, located at GROUND FLOOR, NO46 57, KAMARAJ NEDUNCHALAI,NEW PERUNGALATHUR, CHENNAI 600 063 in CHENNAI, TAMIL NADU. 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.