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

Below are the complete branch details for Tamilnad Mercantile Bank Limited, PALLIYADI branch, located in PALLIYADI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is TMBL0000046. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case TMBL0000046 for Tamilnad Mercantile Bank Limited – PALLIYADI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 PALLIYADI branch, the IFSC TMBL0000046 breaks down as follows: TMBL identifies the bank, 0 is the reserved character, and 000046 identifies this particular branch.

About Tamilnad Mercantile Bank Limited

Tamilnad Mercantile Bank Limited operates a wide network of branches across India, including the Palliyadi branch in Palliyadi. 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, TMBL0000046.

About the Palliyadi branch

The Palliyadi branch of Tamilnad Mercantile Bank Limited is situated at D.NO.25/65D, VEMPANA VILAI, PALLIYADI-629169 TAMILNADU. 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 TMBL0000046 is used.

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 PALLIYADI branch came to be assigned the code TMBL0000046.

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 TMBL0000046, money simply cannot be routed to the PALLIYADI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Palliyadi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC TMBL0000046 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC TMBL0000046

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 TMBL0000046 across all three.

NEFT to Tamilnad Mercantile Bank Limited, PALLIYADI using IFSC TMBL0000046

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 TMBL0000046, and confirm that the system picks up Tamilnad Mercantile Bank Limited – PALLIYADI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC TMBL0000046

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Tamilnad Mercantile Bank Limited – PALLIYADI, ensure your bank's portal accepts IFSC TMBL0000046 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Tamilnad Mercantile Bank Limited – PALLIYADI, use IMPS. With IFSC TMBL0000046 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC TMBL0000046 for Tamilnad Mercantile Bank Limited – PALLIYADI, 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 Palliyadi 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 TMBL0000046

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 – PALLIYADI is still mapped to IFSC TMBL0000046. 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 TMBL0000046 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Palliyadi branch is mapped to IFSC TMBL0000046 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 TMBL0000046.

Products and services

Customers walking into the Palliyadi 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 TMBL0000046

Digital banking channels

Most day-to-day work that customers used to do at the Palliyadi 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 TMBL0000046 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.

Reaching the branch

The Palliyadi branch sits at D.NO.25/65D, VEMPANA VILAI, PALLIYADI-629169 TAMILNADU. If you are travelling from outside Palliyadi, search for the branch on a maps application using the bank name and locality, or call 4651-267256 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 TMBL0000046 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 – PALLIYADI:

• The IFSC is exactly TMBL0000046 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 PALLIYADI 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 Palliyadi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC TMBL0000046, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC TMBL0000046 for Tamilnad Mercantile Bank Limited – PALLIYADI, 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code TMBL0000046 belongs to Tamilnad Mercantile Bank Limited's PALLIYADI branch, located at D.NO.25/65D, VEMPANA VILAI, PALLIYADI-629169 TAMILNADU in PALLIYADI, 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.