IFSC Code of Tamilnad Mercantile Bank Limited, Ngo Colony Tirunelveli Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to Tamilnad Mercantile Bank Limited's NGO COLONY TIRUNELVELI branch in TIRUNELVELI, TAMIL NADU. The branch's IFSC code TMBL0000418 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.

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 NGO COLONY TIRUNELVELI branch, the IFSC TMBL0000418 breaks down as follows: TMBL identifies the bank, 0 is the reserved character, and 000418 identifies this particular branch.

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 Ngo Colony Tirunelveli branch in Tirunelveli, Tamil Nadu is part of this network and uses the IFSC code TMBL0000418 for all electronic settlement.

Branch details at a glance

About the Ngo Colony Tirunelveli branch

The Ngo Colony Tirunelveli branch of Tamilnad Mercantile Bank Limited is situated at GROUND FLOOR, B 276BY1, 60 FEET ROAD, NGO B COLONY, TIRUNELVELI 627007. 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 TMBL0000418 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 NGO COLONY TIRUNELVELI of Tamilnad Mercantile Bank Limited — its own 11-character IFSC. The code TMBL0000418 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 TMBL0000418 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Ngo Colony Tirunelveli branch

Once you have an account at Tamilnad Mercantile Bank Limited – NGO COLONY TIRUNELVELI, the IFSC TMBL0000418 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Ngo Colony Tirunelveli 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 TMBL0000418

How to transfer money using IFSC TMBL0000418

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 TMBL0000418 across all three.

How to use IFSC TMBL0000418 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Tamilnad Mercantile Bank Limited's NGO COLONY TIRUNELVELI 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 TMBL0000418.
4. Confirm the bank name auto-populates as Tamilnad Mercantile Bank Limited and the branch as NGO COLONY TIRUNELVELI.
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 NGO COLONY TIRUNELVELI

If you need to transfer ₹2 lakh or more in one go to an account at Tamilnad Mercantile Bank Limited's NGO COLONY TIRUNELVELI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC TMBL0000418 while initiating the transfer and the credit will appear within minutes.

IMPS to Tamilnad Mercantile Bank Limited NGO COLONY TIRUNELVELI (IFSC TMBL0000418)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC TMBL0000418 in your mobile or internet banking app, and the money is credited to the NGO COLONY TIRUNELVELI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ngo Colony Tirunelveli

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 TMBL0000418:

• 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 NGO COLONY TIRUNELVELI is still linked to IFSC TMBL0000418.

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 TMBL0000418

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 – NGO COLONY TIRUNELVELI is still mapped to IFSC TMBL0000418. 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 TMBL0000418 and the beneficiary's account number to complete the transfer.

Online banking and IFSC TMBL0000418

Tamilnad Mercantile Bank Limited customers can register for net banking and the bank's official mobile app once their account at the NGO COLONY TIRUNELVELI 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 TMBL0000418 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.

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 TMBL0000418 and the account number together uniquely identify the Ngo Colony Tirunelveli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – NGO COLONY TIRUNELVELI:

• The IFSC is exactly TMBL0000418 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 NGO COLONY TIRUNELVELI 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.

How to reach the Ngo Colony Tirunelveli branch

The branch is located at GROUND FLOOR, B 276BY1, 60 FEET ROAD, NGO B COLONY, TIRUNELVELI 627007, which puts it inside Tirunelveli, the broader Tirunelvali 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 Ngo Colony Tirunelveli branch” — the verified location pin for IFSC TMBL0000418 should appear at the top of the results.
2. Confirm the branch is open by calling 462-9750110888 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 TMBL0000418 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC TMBL0000418 for Tamilnad Mercantile Bank Limited – NGO COLONY TIRUNELVELI, 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 Ngo Colony Tirunelveli 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 TMBL0000418 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code TMBL0000418 belongs to Tamilnad Mercantile Bank Limited's NGO COLONY TIRUNELVELI branch, located at GROUND FLOOR, B 276BY1, 60 FEET ROAD, NGO B COLONY, TIRUNELVELI 627007 in TIRUNELVELI, 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.