IFSC Code of Tamilnad Mercantile Bank Limited, Chiplun Branch, Maharashtra

If you are searching for the IFSC code of Tamilnad Mercantile Bank Limited, CHIPLUN branch in CHIPLUN, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is TMBL0000432. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the CHIPLUN branch, and detailed step-by-step guides for using the IFSC TMBL0000432 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 – CHIPLUN is TMBL0000432. The first four letters TMBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000432 map to this branch in CHIPLUN, MAHARASHTRA.

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 Chiplun branch in Chiplun, Maharashtra is part of this network and uses the IFSC code TMBL0000432 for all electronic settlement.

Chiplun branch overview

Located at OFFICE SHOP NO B-06 AND FLAT NO 101 STILT UPPER FIRST FLOOR B WING, the Chiplun branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC TMBL0000432 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 CHIPLUN branch came to be assigned the code TMBL0000432.

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 TMBL0000432, money simply cannot be routed to the CHIPLUN branch electronically.

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 TMBL0000432 and the account number together uniquely identify the Chiplun branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC TMBL0000432

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 TMBL0000432 across all three.

NEFT to Tamilnad Mercantile Bank Limited, CHIPLUN using IFSC TMBL0000432

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 TMBL0000432, and confirm that the system picks up Tamilnad Mercantile Bank Limited – CHIPLUN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHIPLUN

If you need to transfer ₹2 lakh or more in one go to an account at Tamilnad Mercantile Bank Limited's CHIPLUN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC TMBL0000432 while initiating the transfer and the credit will appear within minutes.

IMPS to Tamilnad Mercantile Bank Limited CHIPLUN (IFSC TMBL0000432)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC TMBL0000432 in your mobile or internet banking app, and the money is credited to the CHIPLUN branch account within seconds.

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

All three modes accept the IFSC TMBL0000432 for Tamilnad Mercantile Bank Limited – CHIPLUN, 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 Chiplun 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.

UPI payments and IFSC TMBL0000432

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 – CHIPLUN is still mapped to IFSC TMBL0000432. 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 TMBL0000432 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Chiplun branch is mapped to IFSC TMBL0000432 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 TMBL0000432.

Products and services

Customers walking into the Chiplun 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 TMBL0000432

Online banking and IFSC TMBL0000432

Tamilnad Mercantile Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHIPLUN 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 TMBL0000432 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.

How to reach the Chiplun branch

The branch is located at OFFICE SHOP NO B-06 AND FLAT NO 101 STILT UPPER FIRST FLOOR B WING, which puts it inside Chiplun, the broader Ratnagiri district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Tamilnad Mercantile Bank Limited Chiplun branch” — the verified location pin for IFSC TMBL0000432 should appear at the top of the results.
2. Confirm the branch is open by calling 2352-7769808555 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 TMBL0000432 and your account number.

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 – CHIPLUN:

• The IFSC is exactly TMBL0000432 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 CHIPLUN 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.

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 Chiplun branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC TMBL0000432, however, work 24x7.

Verifying IFSC TMBL0000432 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 TMBL0000432 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2352-7769808555.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: TMBL0000432 is the IFSC code of Tamilnad Mercantile Bank Limited, CHIPLUN branch, in CHIPLUN, MAHARASHTRA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.