Tamilnad Mercantile Bank IFSC Code and MICR Code

Find Tamilnad Mercantile Bank IFSC Code, MICR Code and branch details for NEFT, RTGS & IMPS transactions.

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Tamilnad Mercantile Bank IFSC Code, MICR Code and SWIFT Code

The advent of internet banking has made fund transfer a seamless experience. The advanced technologies have enabled us to use multiple banking facilities at our fingertips without having to stand in long queues. TMB IFSC code is also crucial in online fund transfer modes like NEFT or RTGS. 

The Indian Financial System Code (IFSC) was initiated and administered by the Reserve Bank of India. It was introduced to enable an error-free and smooth fund transfer within minutes with just a few clicks. 

This blog will discuss various features and benefits of the TMB IFSC code and MICR code. You will also learn about TMB's multiple fund transfer modes. If you don't want to miss out on any of the details, make sure to read till the end of this article. 

Tamilnad Mercantile Bank (TMB) IFSC Code

TMB IFSC code is an eleven-character code that comprises both numbers and letters. The Tamilnad IFSC code has three parts in it, like most other IFSC codes.

Tamilnad Mercantile Bank (TMB) IFSC Code

The first four characters are letters that stand for the bank name. The fifth character is zero, which is kept for future use; the last six characters are numbers that correspond to the branch name. 

The IFSC code for all branches of the TMB bank is different, especially the last six numbers, as it helps in identifying the branch location. For example, the TMB Bank Madhya Pradesh City Pithampur branch IFSC code is TMBL0000322.

Here the first part, TMBL, stands for the bank name Tamilnad, the middle character is zero going by the format, and the last five numbers, 00322, represent the Pithampur branch. 

You will need the TMB IFSC code while making any fund transfer via NEFT and RTGS. Without entering the IFSC code, you won't be able to send money as the IFSC code streamlines the fund transfer without any error. 

Tamilnad Mercantile Bank MICR Code

MICR code is another vital aspect of fund transfers. However, the function of the MICR code is slightly different from the IFSC code. The MICR code is not related to online fund transfer; instead, it is related to paper-based documents like cheque clearing. 

You don't need the TMB MICR code during NEFT and RTGS or IMPS. You will need it during cheque clearance and to avoid any discrepancies. The MICR is printed using magnetic ink technology, which locates the branches irrespective of their location. 

TMB MICR code is a nine-digit code containing numerics only. Each branch of the TMB bank has different MICR codes, just like the IFSC codes. 

The MICR code of the Chittoor branch, Andhra Pradesh, is 560060010, and the MICR code of the Guntur branch Andhra Pradesh is 520060102. As you can see, both the MICR codes of the Chittoor and Guntur branches of Andhra Pradesh are different from each other.  

Tamilnad Mercantile Bank SWIFT Code

The purpose of the SWIFT code is quite different from the IFSC and MICR codes. You can't use the SWIFT code for making domestic fund transfers as it is primarily dedicated to international money transactions. 

The Society for Worldwide Interbank Telecommunication (SWIFT) assigned these codes to banks for international transactions and exchanging messages between financial institutions. 

The SWIFT code is also called the Bank Identifier Code (BIC). The BIC or SWIFT code of Tamilnad Mercantile Bank is eleven character code. 

The first four letters stand for the bank code; the following two letters are for the country, the next two letters symbolize the location, and the remaining three letters are for the branch code. For example, the SWIFT code of TMB bank Chennai Branch is TMBLINBBCHE. 

How to find the IFSC, MICR, and SWIFT Code of Tamilnad Mercantile Bank?

How to find the IFSC, MICR, and SWIFT Code of Tamilnad Mercantile Bank

You can find the TMB IFSC code, MICR code, and the SWIFT code on the https://findyourbank.in/ website. To find these codes, you have to. 

  • Visit the https://findyourbank.in/ website 
  • Select the bank name
  • Select state 
  • Select district and branch name 
  • After selecting these, you will find the respective codes immediately

Find your bank has its mobile app as well, which makes finding the IFSC, MICR, and SWIFT codes even easier for you. Let's now check the other sources from where you can get these codes. 

Tamilnad Mercantile Bank Passbook

You can find the IFSC and MICR codes in the bank passbook. It is usually printed either on the top or middle of the passbook pages. 

Cheque Book

Tamilnad Bank cheque book is another source for finding these codes. It is also an easier and convenient source of getting these codes. 

Tamilnad bank digital platforms

Visit the Tamilnad Payments Bank digital platforms to search these codes. You can visit the bank's official website or the app to get these codes. 

Reserve Bank of India Website

The Reserve Bank of India keeps track of all the banks' IFSC, MICR, and SWIFT codes. Hence, you can visit their website to find these codes. 

Call Tamilnad Mercantile Bank Customer Care Service

If you're unable to find the IFSC, MICR, and the SWIFT codes of Tamilnad Bank through any of the above sources, you can contact the customer care team. The customer support team will be able to help you get these codes easily. 

How to transfer money through Tamilnad Mercantile Bank NEFT, RTGS, and IMPS process?

How to transfer money through Tamilnad Mercantile Bank NEFT, RTGS, and IMPS process

Online fund transfer modes like NEFT, RTGS, and IMPS have made sending money quite easier. With these modes, you no longer have to rush to the bank to send money to anyone. Let's learn about each of these transfer modes of Tamilnad Mercantile Bank. 


NEFT is one of the most convenient ways of sending money as its charges are lower and are faster than RTGS and IMPS. To send money via NEFT, you will need- 

  • Beneficiary name and account number 
  • Beneficiary IFSC code
  • Beneficiary email id and phone number 
  • The amount you want to transfer, and you're done.

The charges of NEFT are as follows.

Amount Charges Timings
Upto Rs. 10,000 Rs. 2.5 per transaction 9 am to 7 pm
Upto Rs. 1 lakh Rs. 5 per transaction -
Rs. 1 lakh to Rs. 2 lakh Rs. 15 per transaction -
Above Rs. 2 lakh Rs. 25 per transaction  -



RTGS is mainly used for higher fund transfers, and its minimum limit is Rs. 2 lakh per transaction. The documents required for RTGS are the same as NEFT, which is- 

  • Beneficiary account number and name
  • Beneficiary IFSC code 
  • Beneficiary mobile number 

There is no minimum and maximum fund transfer limit for NEFT in TMB Bank. The charges for RTGS fund transfer are- 

Amount Charges Timings
Rs. 2 lakhs to Rs. 5 lakhs Rs. 25 per transaction 9 am to 4.30 pm on weekdays
Above Rs. 5 lakhs Rs. 50 per transaction 9 am to 2 pm on Saturdays



IMPS fund transfer method is for making instant fund transfers. To use the IMPS fund transfer mode, you will need the following- 

  • Your MMID code 
  • Beneficiary MMID code 
  • Beneficiary account number 
  • Beneficiary AADHAR number 
  • Beneficiary IFSC code 
  • Your mobile number 

There are no charges for sending money via IMPS in Tamilnad Mercantile Bank, and the service is available seven days a week all around the year. 

About Tamilnad Mercantile Bank 

Tamilnad Mercantile Bank was established in 1921, and it was originally known as Nadar Bank Ltd. TMB currently has 452 branches in total, and out of these, 403 branches are located in rural and semi-urban areas. TMB has its headquarters in Tuticorin, Tamil Nadu.

About Tamilnad Mercantile Bank 

Any Indian citizen above eighteen years can open savings accounts in the TMB bank. Minors can open accounts too jointly with parents or guardians. To open a savings account, you will need-

  • Identity Proof (passport, voter id, AADHAR card, etc.)
  • Address proof (Utility bills, passport, voter id, ration card, etc.)
  • Passport size photograph

Tamilnad Mercantile Bank savings account charges are as follows.

Balance Interest rates
Upto Rs. 10 lakhs 3.00% p.a
Above Rs. 10 lakhs 3.25% p.a



1) Is TMB a government bank? 

No, TMB is not a government bank. It is a private bank registered under the Reserve Bank of India. 

2) When do I need the TMB Bank IFSC code? 

You need the TMB Bank IFSC code while using fund transfer methods like NEFT and RTGS. 

3) Is it possible to send money without the IFSC code?

No, you can't send money without entering the IFSC code as it is required to locate the branch. 

4) Where can I find the TMB IFSC code?

You can find the TMB IFSC code on the https://findyourbank.in/ website and also in the bank passbook and cheque book, RBI website, and TMB internet banking platforms. 

5) What is the MMID code?

MMID is the Mobile Money Identifier. It is a seven-digit code allotted to customers holding bank accounts. You will need the MMID code during IMPS fund transfers.