IFSC Code of Tamilnad Mercantile Bank Limited, Kasaragod Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for Tamilnad Mercantile Bank Limited, KASARAGOD branch in KASARAGOD. The 11-digit IFSC TMBL0000476 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 KASARAGOD 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Tamilnad Mercantile Bank Limited's KASARAGOD branch, the IFSC TMBL0000476 breaks down as follows: TMBL identifies the bank, 0 is the reserved character, and 000476 identifies this particular branch.

Branch details at a glance

About Tamilnad Mercantile Bank Limited

Tamilnad Mercantile Bank Limited operates a wide network of branches across India, including the Kasaragod branch in Kasaragod. 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, TMBL0000476.

Kasaragod branch overview

Located at FIRST FLOOR, FATHIMA ARCADE, KMC SECOND WARD, DNO 435 34, SURVEY NO 129, M.G.ROAD, KASARAGOD 671 121 KERALA STATE, the Kasaragod branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC TMBL0000476 is required for all interbank electronic transfers routed through this branch.

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 KASARAGOD of Tamilnad Mercantile Bank Limited — its own 11-character IFSC. The code TMBL0000476 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 TMBL0000476 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 TMBL0000476

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 TMBL0000476 across all three.

NEFT to Tamilnad Mercantile Bank Limited, KASARAGOD using IFSC TMBL0000476

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 TMBL0000476, and confirm that the system picks up Tamilnad Mercantile Bank Limited – KASARAGOD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KASARAGOD

If you need to transfer ₹2 lakh or more in one go to an account at Tamilnad Mercantile Bank Limited's KASARAGOD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC TMBL0000476 while initiating the transfer and the credit will appear within minutes.

IMPS to Tamilnad Mercantile Bank Limited KASARAGOD (IFSC TMBL0000476)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC TMBL0000476 in your mobile or internet banking app, and the money is credited to the KASARAGOD branch account within seconds.

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

All three modes accept the IFSC TMBL0000476 for Tamilnad Mercantile Bank Limited – KASARAGOD, 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 Kasaragod 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 TMBL0000476

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 – KASARAGOD is still mapped to IFSC TMBL0000476. 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 TMBL0000476 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kasaragod branch is mapped to IFSC TMBL0000476 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 TMBL0000476.

Banking services available

The Kasaragod branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8547237288.

• 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 TMBL0000476

MICR & cheque-truncation details

Cheques drawn on the Kasaragod branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC TMBL0000476 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 Kasaragod 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 TMBL0000476 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.

Common mistakes to avoid when using IFSC TMBL0000476

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Tamilnad Mercantile Bank Limited – KASARAGOD, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: TMBL0000476.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Kasaragod branch

The branch is located at FIRST FLOOR, FATHIMA ARCADE, KMC SECOND WARD, DNO 435 34, SURVEY NO 129, M.G.ROAD, KASARAGOD 671 121 KERALA STATE, which puts it inside Kasaragod, the broader Kasaragod district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Tamilnad Mercantile Bank Limited Kasaragod branch” — the verified location pin for IFSC TMBL0000476 should appear at the top of the results.
2. Confirm the branch is open by calling 8547237288 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 TMBL0000476 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC TMBL0000476 for Tamilnad Mercantile Bank Limited – KASARAGOD, 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 Kasaragod 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 TMBL0000476 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code TMBL0000476 belongs to Tamilnad Mercantile Bank Limited's KASARAGOD branch, located at FIRST FLOOR, FATHIMA ARCADE, KMC SECOND WARD, DNO 435 34, SURVEY NO 129,… in KASARAGOD, KERALA. 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.