IFSC Code of Tamilnad Mercantile Bank Limited, Kayalpattinam Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to Tamilnad Mercantile Bank Limited's KAYALPATTINAM branch in KAYALPATTINAM, TAMIL NADU. The branch's IFSC code TMBL0000545 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, TMBL0000545 is the IFSC of Tamilnad Mercantile Bank Limited's KAYALPATTINAM branch. The format is fixed: TMBL = bank code, 0 = reserved, 000545 = branch identifier.

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 Kayalpattinam branch in Kayalpattinam, Tamil Nadu is part of this network and uses the IFSC code TMBL0000545 for all electronic settlement.

About the Kayalpattinam branch

The Kayalpattinam branch of Tamilnad Mercantile Bank Limited is situated at GROUND FLOOR S NO 468 1A WARD NO 3 VISALATCHI AMMAN KOIL STREET NEAR KAYALPATTINAM BUS STAND KAYALPATTINAM 628 204. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code TMBL0000545 is used.

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 KAYALPATTINAM of Tamilnad Mercantile Bank Limited — its own 11-character IFSC. The code TMBL0000545 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 TMBL0000545 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 TMBL0000545

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 TMBL0000545 across all three.

How to use IFSC TMBL0000545 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Tamilnad Mercantile Bank Limited's KAYALPATTINAM 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 TMBL0000545.
4. Confirm the bank name auto-populates as Tamilnad Mercantile Bank Limited and the branch as KAYALPATTINAM.
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 KAYALPATTINAM

If you need to transfer ₹2 lakh or more in one go to an account at Tamilnad Mercantile Bank Limited's KAYALPATTINAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC TMBL0000545 while initiating the transfer and the credit will appear within minutes.

IMPS to Tamilnad Mercantile Bank Limited KAYALPATTINAM (IFSC TMBL0000545)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC TMBL0000545 in your mobile or internet banking app, and the money is credited to the KAYALPATTINAM branch account within seconds.

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

All three modes accept the IFSC TMBL0000545 for Tamilnad Mercantile Bank Limited – KAYALPATTINAM, 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 Kayalpattinam 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.

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 KAYALPATTINAM branch, the IFSC TMBL0000545 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.

Products and account variants supported

Every account opened at the Kayalpattinam branch is mapped to IFSC TMBL0000545 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 TMBL0000545.

Banking services available

The Kayalpattinam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4639-9150038162.

• 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 TMBL0000545

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 TMBL0000545 and the account number together uniquely identify the Kayalpattinam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC TMBL0000545

Tamilnad Mercantile Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KAYALPATTINAM 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 TMBL0000545 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.

Common mistakes to avoid when using IFSC TMBL0000545

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 – KAYALPATTINAM, 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: TMBL0000545.
• 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.

Reaching the branch

The Kayalpattinam branch sits at GROUND FLOOR S NO 468 1A WARD NO 3 VISALATCHI AMMAN KOIL STREET NEAR KAYALPATTINAM BUS STAND KAYALPATTINAM 628 204. If you are travelling from outside Kayalpattinam, search for the branch on a maps application using the bank name and locality, or call 4639-9150038162 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 TMBL0000545 and your account number.

Verifying IFSC TMBL0000545 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 TMBL0000545 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 4639-9150038162.
• 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 Kayalpattinam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC TMBL0000545, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code TMBL0000545 belongs to Tamilnad Mercantile Bank Limited's KAYALPATTINAM branch, located at GROUND FLOOR S NO 468 1A WARD NO 3 VISALATCHI AMMAN KOIL STREET NEAR… in KAYALPATTINAM, 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.