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

Use this page as a one-stop reference for everything related to Tamilnad Mercantile Bank Limited's PORALOOR branch in PORULOOR, TAMIL NADU. The branch's IFSC code TMBL0000098 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, TMBL0000098 is the IFSC of Tamilnad Mercantile Bank Limited's PORALOOR branch. The format is fixed: TMBL = bank code, 0 = reserved, 000098 = branch identifier.

Bank profile

Tamilnad Mercantile Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Poraloor branch — IFSC TMBL0000098 — extends the bank's services to customers in and around Poruloor, Tamil Nadu.

Branch details at a glance

About the Poraloor branch

The Poraloor branch of Tamilnad Mercantile Bank Limited is situated at 1/35, 1/36, MAIN ROAD, ODDANCHATREM TALUK, PORALOOR-624616 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 TMBL0000098 is used.

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 PORALOOR branch came to be assigned the code TMBL0000098.

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 TMBL0000098, money simply cannot be routed to the PORALOOR branch electronically.

Products and account variants supported

Every account opened at the Poraloor branch is mapped to IFSC TMBL0000098 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 TMBL0000098.

Banking services available

The Poraloor branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4553-260234.

• 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 TMBL0000098

How to transfer money using IFSC TMBL0000098

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 TMBL0000098 across all three.

NEFT to Tamilnad Mercantile Bank Limited, PORALOOR using IFSC TMBL0000098

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 TMBL0000098, and confirm that the system picks up Tamilnad Mercantile Bank Limited – PORALOOR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC TMBL0000098

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 – PORALOOR, ensure your bank's portal accepts IFSC TMBL0000098 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Tamilnad Mercantile Bank Limited PORALOOR (IFSC TMBL0000098)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC TMBL0000098 in your mobile or internet banking app, and the money is credited to the PORALOOR branch account within seconds.

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

All three modes accept the IFSC TMBL0000098 for Tamilnad Mercantile Bank Limited – PORALOOR, 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 Poraloor 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 PORALOOR branch, the IFSC TMBL0000098 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.

Digital banking channels

Most day-to-day work that customers used to do at the Poraloor 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 TMBL0000098 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 TMBL0000098 and the account number together uniquely identify the Poraloor branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC TMBL0000098

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 – PORALOOR, 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: TMBL0000098.
• 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 Poraloor branch

The branch is located at 1/35, 1/36, MAIN ROAD, ODDANCHATREM TALUK, PORALOOR-624616 TAMILNADU, which puts it inside Poruloor, the broader Dindigul district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “Tamilnad Mercantile Bank Limited Poraloor branch” — the verified location pin for IFSC TMBL0000098 should appear at the top of the results.
2. Confirm the branch is open by calling 4553-260234 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 TMBL0000098 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC TMBL0000098 for Tamilnad Mercantile Bank Limited – PORALOOR, 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 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 Poraloor branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC TMBL0000098, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code TMBL0000098 belongs to Tamilnad Mercantile Bank Limited's PORALOOR branch, located at 1/35, 1/36, MAIN ROAD, ODDANCHATREM TALUK, PORALOOR-624616 TAMILNADU in PORULOOR, 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.