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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Tamilnad Mercantile Bank Limited, SIVAGANGA branch in SIVAGANGA. The 11-digit IFSC TMBL0000154 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 SIVAGANGA 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.

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 – SIVAGANGA is TMBL0000154. The first four letters TMBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000154 map to this branch in SIVAGANGA, TAMIL NADU.

Branch details at a glance

Bank profile

Tamilnad Mercantile Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Sivaganga branch — IFSC TMBL0000154 — extends the bank's services to customers in and around Sivaganga, Tamil Nadu.

About the Sivaganga branch

The Sivaganga branch of Tamilnad Mercantile Bank Limited is situated at 74, NORTH RAJA STREET, SIVAGANGA-630561 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 TMBL0000154 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 SIVAGANGA of Tamilnad Mercantile Bank Limited — its own 11-character IFSC. The code TMBL0000154 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 TMBL0000154 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 TMBL0000154

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 TMBL0000154 across all three.

NEFT to Tamilnad Mercantile Bank Limited, SIVAGANGA using IFSC TMBL0000154

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 TMBL0000154, and confirm that the system picks up Tamilnad Mercantile Bank Limited – SIVAGANGA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SIVAGANGA

If you need to transfer ₹2 lakh or more in one go to an account at Tamilnad Mercantile Bank Limited's SIVAGANGA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC TMBL0000154 while initiating the transfer and the credit will appear within minutes.

IMPS to Tamilnad Mercantile Bank Limited SIVAGANGA (IFSC TMBL0000154)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC TMBL0000154 in your mobile or internet banking app, and the money is credited to the SIVAGANGA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Sivaganga

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC TMBL0000154:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at SIVAGANGA is still linked to IFSC TMBL0000154.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC TMBL0000154

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 – SIVAGANGA is still mapped to IFSC TMBL0000154. 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 TMBL0000154 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Sivaganga branch is mapped to IFSC TMBL0000154 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 TMBL0000154.

Banking services available

The Sivaganga branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4575-244262.

• 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 TMBL0000154

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 TMBL0000154 and the account number together uniquely identify the Sivaganga branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Sivaganga 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 TMBL0000154 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 TMBL0000154

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 – SIVAGANGA, 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: TMBL0000154.
• 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 Sivaganga branch

The branch is located at 74, NORTH RAJA STREET, SIVAGANGA-630561 TAMILNADU, which puts it inside Sivaganga, the broader Sivaganga 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 Sivaganga branch” — the verified location pin for IFSC TMBL0000154 should appear at the top of the results.
2. Confirm the branch is open by calling 4575-244262 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 TMBL0000154 and your account number.

Verifying IFSC TMBL0000154 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 TMBL0000154 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 4575-244262.
• 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 Sivaganga branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC TMBL0000154, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code TMBL0000154 belongs to Tamilnad Mercantile Bank Limited's SIVAGANGA branch, located at 74, NORTH RAJA STREET, SIVAGANGA-630561 TAMILNADU in SIVAGANGA, 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.