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

If you are searching for the IFSC code of Tamilnad Mercantile Bank Limited, VALLIYOOR branch in VALLIOOR, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is TMBL0000159. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the VALLIYOOR branch, and detailed step-by-step guides for using the IFSC TMBL0000159 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 VALLIYOOR branch, the IFSC TMBL0000159 breaks down as follows: TMBL identifies the bank, 0 is the reserved character, and 000159 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 Valliyoor branch in Vallioor, Tamil Nadu is part of this network and uses the IFSC code TMBL0000159 for all electronic settlement.

Valliyoor branch overview

Located at DOOR NO 308 MAIN ROAD STN BUILDING, the Valliyoor branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC TMBL0000159 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 VALLIYOOR of Tamilnad Mercantile Bank Limited — its own 11-character IFSC. The code TMBL0000159 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 TMBL0000159 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Valliyoor branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC TMBL0000159 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 TMBL0000159

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 TMBL0000159 across all three.

NEFT to Tamilnad Mercantile Bank Limited, VALLIYOOR using IFSC TMBL0000159

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 TMBL0000159, and confirm that the system picks up Tamilnad Mercantile Bank Limited – VALLIYOOR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC TMBL0000159

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 – VALLIYOOR, ensure your bank's portal accepts IFSC TMBL0000159 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 – VALLIYOOR, use IMPS. With IFSC TMBL0000159 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 TMBL0000159 for Tamilnad Mercantile Bank Limited – VALLIYOOR, 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 Valliyoor 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 TMBL0000159

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 – VALLIYOOR is still mapped to IFSC TMBL0000159. 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 TMBL0000159 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Valliyoor branch is mapped to IFSC TMBL0000159 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 TMBL0000159.

Banking services available

The Valliyoor branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4637-221195.

• 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 TMBL0000159

Digital banking channels

Most day-to-day work that customers used to do at the Valliyoor 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 TMBL0000159 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 Valliyoor branch sits at DOOR NO 308 MAIN ROAD STN BUILDING. If you are travelling from outside Vallioor, search for the branch on a maps application using the bank name and locality, or call 4637-221195 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 TMBL0000159 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 – VALLIYOOR:

• The IFSC is exactly TMBL0000159 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 VALLIYOOR 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 Valliyoor branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC TMBL0000159, however, work 24x7.

Verifying IFSC TMBL0000159 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 TMBL0000159 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 4637-221195.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code TMBL0000159 belongs to Tamilnad Mercantile Bank Limited's VALLIYOOR branch, located at DOOR NO 308 MAIN ROAD STN BUILDING in VALLIOOR, 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.