IFSC Code of Tamilnad Mercantile Bank Limited, Integrated Treasury Branch, Tamil Nadu

Below are the complete branch details for Tamilnad Mercantile Bank Limited, INTEGRATED TREASURY branch, located in CHENNAI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is TMBL0000978. 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 TMBL0000978 for Tamilnad Mercantile Bank Limited – INTEGRATED TREASURY — 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 – INTEGRATED TREASURY is TMBL0000978. The first four letters TMBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000978 map to this branch in CHENNAI, TAMIL NADU.

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 Integrated Treasury branch in Chennai, Tamil Nadu is part of this network and uses the IFSC code TMBL0000978 for all electronic settlement.

About this branch

The branch is located at 269/2-4,AVVAI SHANMUGAM SALAI, ROYAPETTAH, CHENNAI-600014 TAMILNADU. It serves the Chennai region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Tamilnad Mercantile Bank Limited. The IFSC TMBL0000978 is used to identify this branch on the RBI payments network.

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 INTEGRATED TREASURY of Tamilnad Mercantile Bank Limited — its own 11-character IFSC. The code TMBL0000978 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 TMBL0000978 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 TMBL0000978

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 TMBL0000978 across all three.

How to use IFSC TMBL0000978 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Tamilnad Mercantile Bank Limited's INTEGRATED TREASURY 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 TMBL0000978.
4. Confirm the bank name auto-populates as Tamilnad Mercantile Bank Limited and the branch as INTEGRATED TREASURY.
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 INTEGRATED TREASURY

If you need to transfer ₹2 lakh or more in one go to an account at Tamilnad Mercantile Bank Limited's INTEGRATED TREASURY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC TMBL0000978 while initiating the transfer and the credit will appear within minutes.

IMPS to Tamilnad Mercantile Bank Limited INTEGRATED TREASURY (IFSC TMBL0000978)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC TMBL0000978 in your mobile or internet banking app, and the money is credited to the INTEGRATED TREASURY branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Integrated Treasury

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 TMBL0000978:

• 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 INTEGRATED TREASURY is still linked to IFSC TMBL0000978.

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.

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 INTEGRATED TREASURY branch, the IFSC TMBL0000978 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 Integrated Treasury branch

Once you have an account at Tamilnad Mercantile Bank Limited – INTEGRATED TREASURY, the IFSC TMBL0000978 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.

Products and services

Customers walking into the Integrated Treasury branch can access most of Tamilnad Mercantile Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC TMBL0000978

MICR & cheque-truncation details

Cheques drawn on the Integrated Treasury branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC TMBL0000978 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC TMBL0000978

Tamilnad Mercantile Bank Limited customers can register for net banking and the bank's official mobile app once their account at the INTEGRATED TREASURY 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 TMBL0000978 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 – INTEGRATED TREASURY:

• The IFSC is exactly TMBL0000978 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 INTEGRATED TREASURY 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 Integrated Treasury branch sits at 269/2-4,AVVAI SHANMUGAM SALAI, ROYAPETTAH, CHENNAI-600014 TAMILNADU. If you are travelling from outside Chennai, search for the branch on a maps application using the bank name and locality, or call 44-28131022 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 TMBL0000978 and your account number.

Verifying IFSC TMBL0000978 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm TMBL0000978 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 44-28131022.
• Visiting the bank's official branch locator page.

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 Integrated Treasury branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC TMBL0000978, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code TMBL0000978 belongs to Tamilnad Mercantile Bank Limited's INTEGRATED TREASURY branch, located at 269/2-4,AVVAI SHANMUGAM SALAI, ROYAPETTAH, CHENNAI-600014 TAMILNADU 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.