IFSC Code of Tamilnad Mercantile Bank Limited, Vinukonda Branch, Andhra Pradesh

Below are the complete branch details for Tamilnad Mercantile Bank Limited, VINUKONDA branch, located in VINUKONDA, ANDHRA PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is TMBL0000308. 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 TMBL0000308 for Tamilnad Mercantile Bank Limited – VINUKONDA — 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 VINUKONDA branch, the IFSC TMBL0000308 breaks down as follows: TMBL identifies the bank, 0 is the reserved character, and 000308 identifies this particular branch.

Branch details at a glance

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 Vinukonda branch in Vinukonda, Andhra Pradesh is part of this network and uses the IFSC code TMBL0000308 for all electronic settlement.

About the Vinukonda branch

The Vinukonda branch of Tamilnad Mercantile Bank Limited is situated at FIRST FLOOR, D.NO.23-194, PALNADU ROAD, VINUKONDA - 522 647, GUNTUR DST, ANDHRAPRADESH. 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 TMBL0000308 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 VINUKONDA of Tamilnad Mercantile Bank Limited — its own 11-character IFSC. The code TMBL0000308 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 TMBL0000308 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 TMBL0000308

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 TMBL0000308 across all three.

How to use IFSC TMBL0000308 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Tamilnad Mercantile Bank Limited's VINUKONDA 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 TMBL0000308.
4. Confirm the bank name auto-populates as Tamilnad Mercantile Bank Limited and the branch as VINUKONDA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC TMBL0000308

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 – VINUKONDA, ensure your bank's portal accepts IFSC TMBL0000308 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 – VINUKONDA, use IMPS. With IFSC TMBL0000308 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Vinukonda

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 TMBL0000308:

• 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 VINUKONDA is still linked to IFSC TMBL0000308.

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 TMBL0000308

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 – VINUKONDA is still mapped to IFSC TMBL0000308. 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 TMBL0000308 and the beneficiary's account number to complete the transfer.

Account types you can open at the Vinukonda branch

Once you have an account at Tamilnad Mercantile Bank Limited – VINUKONDA, the IFSC TMBL0000308 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 Vinukonda 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 TMBL0000308

MICR & cheque-truncation details

Cheques drawn on the Vinukonda branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC TMBL0000308 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC TMBL0000308

Tamilnad Mercantile Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VINUKONDA 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 TMBL0000308 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.

Common mistakes to avoid when using IFSC TMBL0000308

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 – VINUKONDA, 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: TMBL0000308.
• 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.

Reaching the branch

The Vinukonda branch sits at FIRST FLOOR, D.NO.23-194, PALNADU ROAD, VINUKONDA - 522 647, GUNTUR DST, ANDHRAPRADESH. If you are travelling from outside Vinukonda, search for the branch on a maps application using the bank name and locality, or call 8646-273063 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 TMBL0000308 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC TMBL0000308 for Tamilnad Mercantile Bank Limited – VINUKONDA, 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 Vinukonda branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC TMBL0000308, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: TMBL0000308 is the IFSC code of Tamilnad Mercantile Bank Limited, VINUKONDA branch, in VINUKONDA, ANDHRA PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.