Use this page as a one-stop reference for everything related to Tamilnad Mercantile Bank Limited's GINGEE branch in GINGEE, TAMIL NADU. The branch's IFSC code TMBL0000173 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.
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 – GINGEE is TMBL0000173. The first four letters TMBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000173 map to this branch in GINGEE, TAMIL NADU.
About Tamilnad Mercantile Bank Limited
Tamilnad Mercantile Bank Limited operates a wide network of branches across India, including the Gingee branch in Gingee. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, TMBL0000173.
Branch details at a glance
| Bank Name | Tamilnad Mercantile Bank Limited |
|---|---|
| Branch | Gingee |
| IFSC Code | TMBL0000173 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 191 THIRUVANNAMALAI ROAD VILLUPURAM DISTRICT |
| City | Gingee |
| District | Villupuram |
| State | Tamil Nadu |
| STD Code | 4145 |
| Phone | 223122 |
Gingee branch overview
Located at 191 THIRUVANNAMALAI ROAD VILLUPURAM DISTRICT, the Gingee branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC TMBL0000173 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 GINGEE branch came to be assigned the code TMBL0000173.
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 TMBL0000173, money simply cannot be routed to the GINGEE branch electronically.
Products and account variants supported
Every account opened at the Gingee branch is mapped to IFSC TMBL0000173 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 TMBL0000173.
Banking services available
The Gingee branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4145-223122.
- 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 TMBL0000173
How to transfer money using IFSC TMBL0000173
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 TMBL0000173 across all three.
How to use IFSC TMBL0000173 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Tamilnad Mercantile Bank Limited's GINGEE 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC TMBL0000173.
- Confirm the bank name auto-populates as Tamilnad Mercantile Bank Limited and the branch as GINGEE.
- 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 GINGEE
If you need to transfer ₹2 lakh or more in one go to an account at Tamilnad Mercantile Bank Limited's GINGEE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC TMBL0000173 while initiating the transfer and the credit will appear within minutes.
IMPS to Tamilnad Mercantile Bank Limited GINGEE (IFSC TMBL0000173)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC TMBL0000173 in your mobile or internet banking app, and the money is credited to the GINGEE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC TMBL0000173 for Tamilnad Mercantile Bank Limited – GINGEE, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – TMBL0000173 | Yes – TMBL0000173 | Yes – TMBL0000173 |
For most retail customers crediting the Gingee 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 TMBL0000173
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 – GINGEE is still mapped to IFSC TMBL0000173. 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 TMBL0000173 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Gingee 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 TMBL0000173 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.
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 TMBL0000173 and the account number together uniquely identify the Gingee branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – GINGEE:
- The IFSC is exactly TMBL0000173 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 GINGEE 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 Gingee branch sits at 191 THIRUVANNAMALAI ROAD VILLUPURAM DISTRICT. If you are travelling from outside Gingee, search for the branch on a maps application using the bank name and locality, or call 4145-223122 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 TMBL0000173 and your account number.
Verifying IFSC TMBL0000173 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 TMBL0000173 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4145-223122.
- 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 Gingee branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC TMBL0000173, however, work 24x7.
Branch address & contact
Tamilnad Mercantile Bank LimitedGingee Branch
191 THIRUVANNAMALAI ROAD VILLUPURAM DISTRICT
Gingee, Tamil Nadu
Phone: 4145-223122
IFSC: TMBL0000173
Frequently asked questions
How quickly will an NEFT transfer using TMBL0000173 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Tamilnad Mercantile Bank Limited – Gingee reflect within 30 minutes.
Is IFSC TMBL0000173 the same for all accounts at Gingee branch?
Yes. The IFSC TMBL0000173 is shared by every account held at Tamilnad Mercantile Bank Limited's Gingee branch. Only the account number changes from customer to customer.
What is the IFSC code of Tamilnad Mercantile Bank Limited Gingee branch?
The IFSC code of Tamilnad Mercantile Bank Limited, Gingee branch is TMBL0000173. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Can I use IFSC TMBL0000173 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC TMBL0000173 to send funds instantly.
Does Tamilnad Mercantile Bank Limited Gingee branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 4145-223122 to confirm.
How do I add Tamilnad Mercantile Bank Limited Gingee as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC TMBL0000173, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Tamilnad Mercantile Bank Limited Gingee branch?
You can reach the branch at 4145-223122 during regular banking hours.
Final notes
To recap: TMBL0000173 is the IFSC code of Tamilnad Mercantile Bank Limited, GINGEE branch, in GINGEE, TAMIL NADU. 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.
