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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Tamilnad Mercantile Bank Limited, VELACHERY CHENNAI branch in CHENNAI. The 11-digit IFSC TMBL0000454 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Tamilnad Mercantile Bank Limited at the VELACHERY CHENNAI location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – VELACHERY CHENNAI is TMBL0000454. The first four letters TMBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000454 map to this branch in CHENNAI, TAMIL NADU.

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 Velachery Chennai branch — IFSC TMBL0000454 — extends the bank's services to customers in and around Chennai, Tamil Nadu.

Velachery Chennai branch overview

Located at NO 35 1A, FIRST FLOOR, SRS ARCADE, VELACHERY MAIN ROAD, VELACHERY, CHENNAI 600 042, the Velachery Chennai branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC TMBL0000454 is required for all interbank electronic transfers routed through this branch.

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 VELACHERY CHENNAI branch came to be assigned the code TMBL0000454.

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 TMBL0000454, money simply cannot be routed to the VELACHERY CHENNAI branch electronically.

How to transfer money using IFSC TMBL0000454

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 TMBL0000454 across all three.

How to use IFSC TMBL0000454 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Tamilnad Mercantile Bank Limited's VELACHERY CHENNAI 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 TMBL0000454.
4. Confirm the bank name auto-populates as Tamilnad Mercantile Bank Limited and the branch as VELACHERY CHENNAI.
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 VELACHERY CHENNAI

If you need to transfer ₹2 lakh or more in one go to an account at Tamilnad Mercantile Bank Limited's VELACHERY CHENNAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC TMBL0000454 while initiating the transfer and the credit will appear within minutes.

IMPS to Tamilnad Mercantile Bank Limited VELACHERY CHENNAI (IFSC TMBL0000454)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC TMBL0000454 in your mobile or internet banking app, and the money is credited to the VELACHERY CHENNAI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Velachery Chennai

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 TMBL0000454:

• 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 VELACHERY CHENNAI is still linked to IFSC TMBL0000454.

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 TMBL0000454

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 – VELACHERY CHENNAI is still mapped to IFSC TMBL0000454. 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 TMBL0000454 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Velachery Chennai branch is mapped to IFSC TMBL0000454 on the RBI payments network. The branch generally supports the full retail product catalogue of Tamilnad Mercantile Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains TMBL0000454.

Banking services available

The Velachery Chennai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8973810888.

• 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 TMBL0000454

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 TMBL0000454 and the account number together uniquely identify the Velachery Chennai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC TMBL0000454

Tamilnad Mercantile Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VELACHERY CHENNAI 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 TMBL0000454 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 – VELACHERY CHENNAI:

• The IFSC is exactly TMBL0000454 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 VELACHERY CHENNAI 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 Velachery Chennai branch

The branch is located at NO 35 1A, FIRST FLOOR, SRS ARCADE, VELACHERY MAIN ROAD, VELACHERY, CHENNAI 600 042, which puts it inside Chennai, the broader Chennai 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 Velachery Chennai branch” — the verified location pin for IFSC TMBL0000454 should appear at the top of the results.
2. Confirm the branch is open by calling 8973810888 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 TMBL0000454 and your account number.

Verifying IFSC TMBL0000454 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 TMBL0000454 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8973810888.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Velachery Chennai 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 TMBL0000454 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code TMBL0000454 belongs to Tamilnad Mercantile Bank Limited's VELACHERY CHENNAI branch, located at NO 35 1A, FIRST FLOOR, SRS ARCADE, VELACHERY MAIN ROAD, VELACHERY, CHENNAI 600… 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.