Tamilnad Mercantile Bank (TMB) is a scheduled commercial bank in India that offers personal banking, corporate banking, NRI banking, agriculture finance, digital banking, cards, deposits, loans, and customer support services. Commonly known as TMB, Tamilnad Mercantile Bank Limited offers a wide product mix and digital service options for everyday banking, loan requirements, business transactions, or digital banking access.
Customers can use TMB internet banking, mobile banking, debit cards, UPI, BBPS, and app-based services for account access, fund transfers, bill payments, and statement-related needs.
Tamilnad Mercantile Bank Details
Tamilnad Mercantile Bank Limited provides banking services for individuals, businesses, institutions, NRIs, and agriculture customers. The bank’s product range includes savings accounts, current accounts, deposits, personal loans, vehicle loans, home loans, MSME finance, agriculture finance, digital banking services, cards, and customer support channels.
| Category | Details |
|---|---|
| Bank Type | Scheduled commercial bank offering personal, corporate, NRI, agriculture, and digital banking services. |
| Personal Banking Products | Savings accounts, fixed deposits, recurring deposits, personal loans, home loans, car loans, education loans, jewel loans, pensioner loans, debit cards, credit cards, and inclusive banking services. |
| Corporate Banking Products | Current accounts, MSME Loans, trader loans, secured overdraft, commercial vehicle loans, institutional banking, business cards, POS services, UPI QR sound box, and working capital finance. |
| NRI Banking Services | NRE accounts, NRO accounts, NRE fixed deposits, FCNR deposits, RFC accounts, online NRI banking access, and international number SMS alerts. |
| Agriculture Banking | Loans for cultivation, tractors, agri transport, poultry, dairy, fisheries, Kisan Credit Card-linked products, and other rural finance needs. |
| Digital Banking Access | TMB netbanking, TMB internet banking, TMB mobile banking, UPI, BBPS, debit cards, credit cards, prepaid cards, SMS alerts, and app-based services. |
| Mobile Apps | TMB MBank, TMB Digilobby, and TMB Pay help customers access mobile banking, passbook-style transaction records, payments, and account-related services. |
| Branch and ATM Access | Customers can use the official TMB branch locator and ATM centre locator to find nearby banking touchpoints for cash, service requests, account support, and in-person assistance. |
| Customer Support Methods | Support is available through toll-free customer care, phone banking, branch support, complaint redressal channels, card blocking support, and digital service blocking options. |
| Common Online Services | TMB netbanking registration, fund transfer, account balance check, TMB statement download, TMB passbook access, bill payments, card services, and service requests. |
| Best Suited For | Customers looking for everyday banking, business banking, NRI services, agriculture finance, digital transactions, deposits, loans, and branch-backed support. |
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Tamilnad Mercantile Bank Personal Banking Products
Tamilnad Mercantile Bank offers several personal banking products for individuals, families, students, salaried employees, women, senior citizens, and borrowers. The personal banking section includes savings accounts, retail loans, recurring deposits, fixed deposits, inclusive banking schemes, and support services.
1. TMB Savings Bank Account
Tamilnad Mercantile Bank (TMB) designs its savings accounts to meet everyday banking, salary credits, family banking, student banking, youth banking, and special customer needs. Customers can choose an account based on balance requirements, age group, usage pattern, debit card needs, and access to digital services.
As per TMB’s current savings rate card, balances up to ₹5 lakh earn 2.75% p.a., balances above ₹5 lakh and up to ₹10 lakh earn 3.00% p.a., and balances above ₹10 lakh earn 3.25% p.a.
| Savings Account | Balance Requirement / Interest Detail | Best Suited For |
|---|---|---|
| Royal | The account requires a monthly average balance of ₹50,000 across all centres. Savings interest is applied as per the balance slab. | Customers who want a premium savings account with higher balance-linked banking benefits. |
| Premium | The account requires a monthly average balance of ₹15,000 in metro and urban branches, and ₹10,000 in semi-urban and rural branches. Savings interest is applied as per the balance slab. | Customers who can maintain a moderate balance and want better account features than a basic savings account. |
| General | This is a regular savings account. The savings interest rate depends on the balance maintained, starting from 2.75% p.a. for balances up to ₹5 lakh. | Customers who need a simple savings account for deposits, withdrawals, debit card usage, and daily banking. |
| Little Super Star | The account is listed with a monthly average balance of ₹250, though the revised service charge document shows nil MAB for this account from 01.01.2026. Savings interest is applied as per the balance slab. | Minors and parents or guardians who want to start a child’s banking habit early. |
| Dynamic Youth | The account requires a monthly average balance of ₹1,000. Savings interest is applied as per the balance slab. | Students and youth customers between 17 and 35 years who need digital banking and basic savings access. |
| Mahila Subha | The account requires a monthly average balance of ₹5,000. Savings interest is applied as per the balance slab. | Women customers looking for a savings account with regular banking access and account-linked facilities. |
| Classic Salary | This is a zero-balance salary account. Savings interest is applied as per the balance slab. | Salaried employees whose salary is credited through TMB and who do not want a minimum balance requirement. |
| Visa | The account requires a monthly average balance of ₹5,000. It also supports an auto-sweep facility above the specified threshold. | Customers who want savings account access along with card usage and auto-sweep benefits. |
| Santhosh | This is a zero-balance account with a savings-plus-fixed-deposit style structure and auto-sweep facility. Savings interest is applied as per the balance slab until funds move into deposit as per sweep rules. | Customers who want savings account flexibility along with the option to earn deposit-style returns on surplus balance. |
Note: AMB, service charges, cash deposit limits, and account benefits can change by account type and revision date. Customers should confirm the latest applicable terms through the official TMB website or branch before opening the account.
2. Loans from Tamilnad Mercantile Bank
Tamilnad Mercantile Bank provides retail loan products for housing, vehicles, education, personal requirements, property-backed borrowing, gold-backed borrowing, and pensioner needs. The final loan amount, tenure, interest rate, and charges depend on the product, borrower profile, collateral, repayment ability, and bank policy.
| Loan Product | Purpose | Interest Rate or Typical Charges |
|---|---|---|
| Home | Purchase, construction, or renovation of residential property | Interest rate ranges from 9.30% to 9.80% p.a.
Processing charge is shown as 0.50% of the limit sanctioned plus applicable taxes. |
| Home – Elite | Housing finance for eligible borrowers, including higher-value home needs | Interest rate ranges from 8.60% to 9.15% p.a.
This variant starts lower than the regular home loan, depending on borrower eligibility and property profile. |
| Home – Affordable | Affordable housing finance | Interest rate is usually linked to the applicable home loan or PMAY-linked housing rate structure.
Final rate depends on scheme eligibility, property value, and bank policy. |
| Home – Top Up | Additional funds over an existing eligible home loan | Charges are shown as 0.50% of the limit sanctioned plus GST.
The final rate depends on the existing home loan relationship, top-up amount, and repayment profile. |
| Car | New or used car purchase | Interest rate ranges from 10.50% to 12.15% p.a.
New vehicle tenure can go up to 84 EMIs, while second-hand vehicle tenure can go up to 60 EMIs. |
| Two Wheeler | Two-wheeler purchase | Interest rate is shown at 14.30% p.a.
This rate is higher than car loans because the loan ticket size is usually smaller and the risk profile differs. |
| Personal | Personal finance for eligible customers | Interest rate ranges from 13.75% to 15.90% p.a.
Processing fee is shown as 1% of the loan amount plus GST. |
| LAP | Loan against property for personal or business needs | Interest rates range from 12.15% to 13.05% p.a.
Working capital charge is 0.50% of the sanctioned limit plus GST, while the term loan charge is 1% of the loan plus GST. |
| Pensioners | Loan support for eligible pensioners | While the latest retail RLLR sheet does not list this separately, earlier TMB rate disclosures showed pensioner loans as a distinct product; therefore, you should check the final rate with the branch before applying. |
| Gold Overdraft | Overdraft facility against pledged gold | Interest rate is shown at 11.25% p.a. Since this is backed by gold, the rate is generally lower than an unsecured personal loan. |
| Education | Education finance for studies in India or abroad | Interest rates range from 12.30% to 12.35% p.a.
The bank waives processing charges for studies in India and for overseas loan amounts up to ₹7.50 lakh; it charges 1% of the sanctioned limit for overseas studies above ₹7.50 lakh. |
| Super Education | Higher-value education finance for eligible courses | Rate depends on course, institution, collateral, loan amount, and borrower profile. It should be verified with TMB before applying. |
| Jewel Loan | Loan against gold jewellery | The bank charges an interest rate of 10.50% p.a. for a 6-month jewel loan and 11.25% p.a. for a 12-month jewel loan.
The final loan amount depends on gold purity, valuation, and loan-to-value rules. |
| Loan Against Sovereign Gold Bonds | Loan facility against eligible sovereign gold bonds | Rate and margin depend on the value of the pledged sovereign gold bonds, bank policy, and repayment structure. Customers should confirm the current rate with TMB before applying. |
Secured loan products such as home loans, loans against property, and jewel loans generally start at lower rates because they are backed by property or gold. Unsecured products such as personal loans usually carry higher rates because the bank does not take collateral.
Note: The above rates are indicative and based on TMB’s retail loan rate disclosure. Final rates may change based on credit score, borrower rating, loan amount, collateral, tenure, repayment ability, and bank policy. Customers should check the current effective rate with the branch before applying.
3. TMB Deposits Scheme
TMB deposit products help customers save regularly, invest a lump sum, earn fixed returns, and plan for future goals. The return depends on the deposit type, tenure, customer category, deposit amount, and whether the deposit is callable or non-callable.
For fixed deposits, TMB currently shows special-tenure return options such as the 456-day special deposit scheme at 7.10% p.a. for general customers and 7.50% p.a. for senior citizens.
Here is a complete consolidated view:
| Deposit Product | Return Interest / Immediate Detail | Best Suited For |
|---|---|---|
| Basic RD | Deposits can be opened with monthly instalments in sums of ₹10 or multiples of ₹10. The return depends on the selected tenure and the prevailing recurring deposit rate. | Customers who want to save a fixed amount every month instead of investing a lump sum. |
| Kids RD | The current maturity chart shows 6.80% p.a. for 12 months and 6.60% p.a. for 24 months to 120 months under the Kids RD public category. | Parents or guardians saving steadily for a child’s future needs. |
| Navarathnamala | The maturity chart shows 6.60% p.a. for public customers and 7.10% p.a. for senior citizens under the listed Navarathnamala deposit options. | Customers who want a structured recurring deposit plan with a fixed maturity target. |
| Siranjeevee RD | The maturity chart shows 6.60% p.a. for listed tenures from 36 months to 84 months. The scheme also includes life insurance-linked benefits, subject to scheme rules. | Customers who want recurring savings along with insurance-linked value under the scheme. |
| FD | Fixed deposits can be opened for 15 days to 120 months. TMB’s rate card shows rates varying by tenure, with the 456-day special deposit at 7.10% p.a. for general customers and 7.50% p.a. for senior citizens. | Customers who want fixed returns on a lump sum deposit for a chosen tenure. |
| Muthukuviyal | This is a reinvestment-style deposit where interest is added back to the deposit, helping the maturity value grow through compounding. | Customers who do not need periodic interest payout and want a higher maturity value. |
| Tax Saving | The deposit is usually linked to a 5-year lock-in as per tax-saving FD rules. The return follows the applicable TMB deposit rate for the eligible tenure and customer category. | Customers who want a fixed deposit option that may help with tax-saving under applicable income tax rules. |
| Pearl | The return depends on the deposit amount, tenure, and interest payout structure offered under the scheme at the time of booking. | Customers looking for a TMB-specific deposit product with defined maturity terms. |
| 20:20 | The return depends on the scheme tenure and applicable deposit rate. Customers should review maturity value, premature withdrawal rules, and payout structure before investing. | Customers who want a named deposit plan with a clear maturity structure. |
| Bulk | Bulk deposits are generally for deposits of ₹3 crore and above. TMB states that there is no penal interest for premature closure of bulk deposits after 7 days of opening. | Customers, firms, or institutions placing large deposit amounts. |
| Non-Callable Deposits | These deposits usually do not allow premature withdrawal. In return, the applicable rate may differ from callable deposits depending on amount, tenure, and TMB’s rate card. | Customers who do not need liquidity and want to lock funds for the full deposit tenure. |
Note: Deposit rates change from time to time. Before booking an FD, RD, bulk deposit, or non-callable deposit, customers should check the latest TMB deposit interest rate card, maturity value, premature withdrawal rules, and tax implications.
4. TMB’s Inclusive Banking
Tamilnad Mercantile Bank also provides inclusive banking services to support financial access, government-backed schemes, and basic digital banking needs. These services are useful for customers who want affordable banking, benefit access, or Aadhaar-enabled transactions.
| Inclusive Banking Service | Purpose | Key Detail |
|---|---|---|
| SSSBA / PMJDY | Basic savings and financial inclusion banking | Useful for basic banking access and eligible government benefit flows |
| PMAY Home Loan | Housing finance support under eligible housing-linked schemes | Useful for eligible borrowers looking for affordable housing support |
| AEPS | Aadhaar Enabled Payment System services | Supports Aadhaar-based banking transactions where enabled |
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5. Other Personal Banking Services from Tamilnad Mercantile Bank
Other personal banking services from TMB include investment access, government-linked schemes, Aadhaar services, insurance-linked schemes, account maintenance support, and claim-related service support.
| Service | Purpose | Useful For |
|---|---|---|
| Stock Statement Submission | Online submission support for stock statements | Borrowers and businesses that need to submit stock details |
| Happy Family Banking Account | Family banking relationship product | Families looking to manage multiple banking relationships together |
| Aadhaar Card Enrolment / Correction | Aadhaar enrolment or update support | Customers who need Aadhaar-related service assistance |
| National Pension Scheme (NPS) | Retirement investment scheme | Customers planning long-term retirement savings |
| Atal Pension Yojana (APY) | Pension scheme for eligible customers | Customers looking for defined pension support |
| Mutual Funds | Investment product access | Customers looking to invest beyond deposits |
| Sovereign Gold Bonds | Gold-linked investment option | Customers looking for non-physical gold investment exposure |
| PMJJBY | Life insurance-linked government scheme | Eligible customers seeking low-cost life cover |
| PMSBY | Accident insurance-linked government scheme | Eligible customers seeking low-cost accident cover |
| Re-KYC / Dormant Activation | Account update and reactivation support | Customers whose accounts need KYC refresh or activation |
| Life Certificate | Pensioner service support | Pensioners who need to submit life certificates |
| Death Claim Portal | Claim support after account holder’s death | Nominees and legal heirs managing claim requests |
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Tamilnad Mercantile Bank Corporate Banking
Tamilnad Mercantile Bank provides corporate banking services for businesses, traders, professionals, institutions, government segments, exporters, importers, and MSME customers. These services include current accounts, business loans, corporate digital banking, cards, institutional banking, investment services, and forex solutions.
1. TMB Corporate Current Account
| Current Account | Suitable For | Key Detail |
|---|---|---|
| Super Flexi | Businesses with frequent transactions | Designed for flexible current account usage and business banking needs |
| General | Regular business customers | Useful for daily receipts, payments, deposits, and business transactions |
| RERA | Real estate projects and builders | Designed for project-linked banking requirements under applicable RERA norms |
| Agaram | Business customers looking for a specific TMB current account product | Useful for managing business receipts and payments through TMB |
2. Tamilnad Mercantile Bank Business Loans
Tamilnad Mercantile Bank (TMB) designs its business loans to fund working capital, business expansion, equipment purchases, trade finance, professional practices, and sector-specific business needs. Charges and interest rates depend on the scheme, limit, collateral, business profile, and credit assessment.
| Business Loan | Purpose | Interest Rate or Typical Charges |
|---|---|---|
| MSME | Finance for micro, small, and medium enterprises | Charges depend on sanctioned limit, loan type, and bank policy |
| Traders & Services | Finance for traders and service businesses | Useful for working capital and business expansion needs |
| Vyapari | Business loan for traders | Terms depend on business vintage, turnover, collateral, and repayment capacity |
| GST | Finance linked to GST-based business assessment | Useful for businesses with GST turnover and documented cash flows |
| Secured Overdraft | Overdraft backed by eligible security | Official business loan page indicates cash credit or overdraft fees of 0.50% of OD limit plus GST |
| MSME Easy Credit | Simplified credit support for MSMEs | Useful for quick working capital needs of eligible MSMEs |
| Commercial Vehicle | Vehicle finance for business use | Terms depend on vehicle, margin, borrower profile, and repayment capacity |
| Dhall Mill | Sector-specific finance for dhall mill businesses | Designed for working capital or asset needs of dhall mill units |
| Rice Mill | Sector-specific finance for rice mill businesses | Useful for machinery, stock, and working capital needs |
| Pharma Finance | Finance for pharma-related businesses | Designed for pharma trade, stock, or business infrastructure requirements |
| Mahalir | Finance product focused on women borrowers or women-led business needs | Terms depend on scheme eligibility and borrower profile |
| Doctor | Finance for medical professionals | Useful for clinic setup, equipment, expansion, or professional finance needs |
| Genset | Finance for generator set purchase | Useful for businesses needing power backup infrastructure |
| Micro Enterprises Under PMMY | Finance under Pradhan Mantri Mudra Yojana category | Supports eligible micro-enterprise funding needs |
| Pharma & Health Care | Finance for healthcare and pharma businesses | Useful for clinics, healthcare units, pharmacies, and related businesses |
| Mini LAP | Smaller loan against property for business or professional needs | Terms depend on property, borrower profile, and repayment capacity |
| Green Energy | Finance for green energy requirements | Useful for businesses adopting energy-efficient or renewable energy solutions |
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3. Corporate Digital Banking by TMB
Tamilnad Mercantile Bank offers corporate digital banking services to help businesses manage payments, collections, account access, and transaction alerts with less branch dependency. Services such as internet banking, mobile banking, POS terminals, SMS alerts, debit cards, and UPI QR Sound Box support smoother day-to-day business banking.
| Digital Banking Service | Purpose | Key Detail |
|---|---|---|
| Internet Banking | Online corporate account access | Useful for account view, transfers, statements, and business payments through TMB internet banking |
| Mobile Banking | Mobile access to business banking services | Useful for account tracking, transfers, and account-level banking on mobile |
| POS Terminal | Card payment acceptance | Useful for merchants and businesses accepting customer card payments |
| SMS Alert | Transaction alerts | Helps businesses track account activity and transaction updates |
| Smart Shopper Visa Debit Card | Debit card for account-linked usage | Useful for purchases, withdrawals, and business-related card transactions |
| UPI QR Sound Box Device | UPI collection support | Useful for merchants who want payment confirmation through sound alerts |
4. Tamilnad Mercantile Bank Business Banking Cards
Tamilnad Mercantile Bank (TMB) designs its business banking cards for companies, merchants, fleet operators, and business owners who need controlled payment options. Products such as business cards, fleet cards, and prepaid cards can help manage business spending, employee payments, travel costs, and recurring operational expenses more conveniently.
| Card | Purpose | Useful For |
|---|---|---|
| Business Card | Business expense management | Useful for owners, professionals, and business teams |
| Fleet Card | Fleet-related expense control | Useful for businesses managing transport or vehicle fuel expenses |
| General Prepaid Card | Prepaid card-based payments | Useful for controlled spending and prepaid business use cases |
5. Tamilnad Mercantile Bank’s Institutional Banking
TMB supports institutions with services such as education fee payment, e-stamping, e-tax payments, TASC accounts, and accounts for government segments. These services are useful for schools, colleges, trusts, societies, associations, clubs, government-linked entities, and customers who need structured institutional payment or collection support. (tmb.bank.in
| Institutional Service | Purpose | Useful For |
|---|---|---|
| Education Fee Payment | Fee collection and payment support | Schools, colleges, institutions, parents, and students |
| E-stamping Services | Digital stamping support | Customers and institutions needing stamp duty-related services |
| E-tax Payments | Online tax payment support | Businesses, professionals, and institutions |
| TASC Account | Banking for trusts, associations, societies, and clubs | Institutions that need structured account management |
| Accounts for Government Segment | Banking support for government-linked customers | Government departments or eligible government segment accounts |
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6. Investments and Services
Tamilnad Mercantile Bank provides investment and service options for customers who want to manage savings beyond regular deposits. These include demat account services, equity trading account access, insurance services, mutual fund options, and other investment-linked banking support for individuals and business customers.
| Investment or Service | Purpose | Useful For |
|---|---|---|
| Demat Account | Holding securities in electronic form | Investors managing shares and securities |
| Equity Trading Account | Equity market transaction access | Customers interested in stock market trading |
| Dynamic 3-in-1 Account | Banking, trading, and demat-linked account access | Investors looking for integrated investment access |
| Insurance Services | Insurance product access | Customers looking for protection and risk cover options |
| MF | Mutual fund investment access | Customers looking to invest in market-linked products |
7. Forex Services
TMB forex services support customers and businesses involved in overseas payments, inward remittances, outward remittances, export credit, import credit, currency rate checks, and study abroad payments. These services are useful for exporters, importers, NRIs, students, and customers handling foreign currency transactions.
| Forex Service | Purpose | Useful For |
|---|---|---|
| Currency Rates | Foreign exchange rate information | Customers planning remittance or forex transactions |
| Outward Remittance | Sending money abroad | Education, travel, family support, and permitted overseas payments |
| Inward Remittance | Receiving money from abroad | Families, NRIs, exporters, and overseas income recipients |
| Export Credit Service | Credit support for exporters | Export businesses needing finance support |
| Import Credit Service | Credit support for importers | Import businesses needing payment or working capital support |
| Nostro Remittance Account | International banking and remittance support | Customers dealing with foreign currency transfers |
| Study Abroad Assistance | Support for overseas education-related financial needs | Students and parents planning international education payments |
| TMB FX eConnect | Forex-related digital service access | Customers needing digital forex support from TMB |
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Tamilnad Mercantile Bank NRI Services
TMB provides NRI banking services for customers who need rupee accounts, foreign currency deposits, NRE deposits, NRO banking, and online account access. NRI customers can use these services to manage Indian income, overseas earnings, deposits, and remittances.
1. TMB Products for NRI
Here is a list of products provided by TMB for its NRI customer base:
| NRI Product | Purpose | Key Detail |
|---|---|---|
| NRE – Ordinary | Rupee account for overseas income | Useful for NRIs who want to park foreign earnings in India |
| NRE – Premium | Premium NRE banking relationship | Designed for NRI customers with enhanced banking needs |
| NRO | Account for income earned in India | Useful for rent, pension, dividends, or Indian income management |
| NRE – Fixed Deposit | Deposit of foreign income in Indian rupees | Useful for NRIs looking for fixed deposit returns in India |
| NRE – Muthukuviyal | NRE deposit scheme variant | Can be used by eligible NRI customers based on scheme terms |
| FCNR(B) Deposit | Foreign currency non-resident deposit | Useful for holding deposits in permitted foreign currencies |
| FCNR Plus | Enhanced FCNR deposit option | Designed for eligible foreign currency deposit needs |
| RFC | Resident Foreign Currency account | Useful for eligible returning NRIs |
| Tax Saving | Tax-saving deposit option for eligible NRI customers | Subject to scheme rules, eligibility, and tax regulations |
2. TMB Online Services for NRI
These are the major online services provided by Tamilnad Mercantile Bank:
| Online Service | Purpose | Key Detail |
|---|---|---|
| Internet Banking | Online NRI account access | Useful for account view, transfers, and service requests through TMB netbanking |
| SMS Alert to International Numbers | Account alert support for NRI customers | Helps NRIs receive transaction alerts on registered international numbers where enabled |
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Tamilnad Mercantatile Bank Agriculture Support Products
TMB agriculture banking supports farming, allied activities, livestock, fisheries, agri transport, and crop-linked credit. These products are useful for farmers, agri-entrepreneurs, rural customers, and businesses connected to agriculture.
| Agriculture Product | Purpose | Useful For |
|---|---|---|
| Banana Cultivation | Finance for banana cultivation activities | Farmers growing banana crops |
| Tractor | Finance for tractor purchase | Farmers and agri operators needing farm equipment |
| Agri Transport | Finance for agriculture transport needs | Moving produce, equipment, or agri goods |
| Bhoomi Heen Kisan | Finance support for landless farmers | Eligible farmers and rural workers |
| Poultry Farm – Broiler | Finance for broiler poultry operations | Poultry farmers and small businesses |
| Poultry Farm – Layer | Finance for layer poultry operations | Egg production and poultry businesses |
| Dairy – Mini & Commercial | Dairy finance for small and commercial units | Milk production and dairy business customers |
| Brackish Water | Finance for brackish water aquaculture | Eligible aquaculture units |
| Composite Fish Farm | Finance for fish farming | Fish farmers and aquaculture businesses |
| KCC Gold Special | Kisan Credit Card-linked agricultural finance | Farmers looking for flexible agriculture credit |
Digital Banking Services By Tamilnad Mercantile Bank
Digital banking with TMB allows customers to access banking services without depending only on branch visits. Customers can use TMB netbanking, TMB internet banking, TMB mobile banking, debit cards, credit cards, UPI, BBPS, prepaid cards, and other digital channels.
| Digital Banking Service | Purpose | Key Detail |
|---|---|---|
| Debit Cards | ATM withdrawals, shopping, and digital payments | Useful for daily account-linked transactions |
| Credit Cards | Credit-based purchases and payments | Useful for customers eligible for credit card products |
| Internet Banking (eConnect) | Online banking through TMB internet banking | Useful for balance check, fund transfer, account view, and statement access |
| Mobile Banking (TMB Bank) | Banking through mobile app or mobile-enabled service | Official mobile banking information mentions NEFT, RTGS, IMPS, self-transfer, within-bank transfers, and account statement access |
| My Delight Card | Card-linked service product | Useful for card-based payment or prepaid use cases as applicable |
| Prepaid Cards | Preloaded card-based payments | Useful for controlled payments and limited-use transactions |
| Tab Banking | Assisted digital banking | Useful for customer onboarding or assisted service delivery |
| UPI | Instant digital payments | Useful for mobile-based fund transfers and merchant payments |
| BBPS | Bharat Bill Payment System | Useful for paying utility bills and recurring payments |
Users can download their TMB statement through digital channels like mobile banking or internet banking, depending on their access and account type. Customers should use only official TMB channels and avoid sharing passwords, OTPs, PINs, debit card details, or netbanking credentials with anyone.
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Tamilnad Mercantile Bank Apps
TMB app services help customers access banking and account information from mobile devices. App-based services are useful for people who want quick access to account balances, digital statements, deposits, transfers, and card controls.
| App | Purpose | Key Detail |
|---|---|---|
| TMB MBank | Mobile banking app | Useful for transfers, balance check, deposit access, bill payments, and TMB statement download where available |
| TMB Digilobby | Digital passbook and service access | Useful as a TMB passbook-style digital service for viewing transactions and account details |
| TMB Pay | Payment-focused app service | Useful for digital payments and mobile transaction convenience |
TMB Bank Loan EMI Calculator
The TMB loan EMI calculator helps borrowers estimate monthly repayments before applying for a loan. This is useful for home loans, personal loans, car loans, education loans, loan against property, and business loan planning.
To use a bank loan EMI calculator, enter the loan amount, interest rate, and tenure. The calculator gives an approximate EMI, total interest payable, and repayment schedule. This helps customers choose a loan amount that fits their monthly budget.
| Calculator Input | What It Means | Why It Matters |
|---|---|---|
| Loan Amount | The amount you want to borrow | Higher loan amount increases EMI and total interest |
| Interest Rate | The rate charged by the bank | Even a small rate difference can affect long-term repayment |
| Tenure | The repayment period | Longer tenure can reduce EMI but may increase total interest |
| EMI | Monthly repayment amount | Helps borrowers check affordability before applying |
TMB FD Calculator
The TMB FD calculator helps customers estimate the maturity value of a fixed deposit before investing. It can be useful when comparing different deposit tenures, interest payout options, and deposit amounts.
[tmb-fd-calculator]
Customers can use an FD calculator to plan savings for short-term goals, emergency funds, retirement income, or family expenses. The maturity amount depends on deposit amount, interest rate, tenure, compounding method, and payout option.
| FD Calculator Input | What It Means | Why It Matters |
|---|---|---|
| Deposit Amount | The lump sum amount placed in fixed deposit | Higher deposit amount increases maturity value |
| Interest Rate | The applicable FD rate | Determines the return on deposit |
| Tenure | The period for which the FD is booked | Different tenures may have different rates and maturity values |
| Interest Payout | Reinvestment or periodic payout | Affects the final maturity amount and cash flow |
TMB Other Services
Tamilnad Mercantile Bank also offers support services for rewards, credit card access, prepaid card access, and travel card requirements. These services can help customers manage payments, travel, benefits, and service access more conveniently.
1. TMB rewards
The TMB Rewards loyalty benefit program rewards customers for eligible Tamilnad Mercantile Bank card transactions. Customers can earn reward points when they use eligible TMB debit or credit cards for purchases, subject to the card type, transaction category, offer rules, and reward programme terms.
| Reward Feature | Details |
|---|---|
| How to earn | Customers can earn reward points on eligible TMB debit card or credit card transactions. Cardholders earn points on shopping, online payments, dining, utility payments, and other eligible spends, depending on program rules. |
| Reward value | For TMB-funded credit card offers, the bank’s policy mentions a reward value of 25 paise per reward point. The actual redemption value may vary by reward category, offer type, and platform terms. |
| Where to redeem | Eligible reward points can be redeemed through the TMB Rewards or Nth Rewards platform, depending on the card and programme access provided to the customer. |
| Redemption options | Reward points may be redeemed for e-vouchers, donations, hotel bookings, flight bookings, and other catalogue-based rewards available on the rewards platform. |
| Who can use it | The programme is mainly useful for TMB cardholders who regularly use their card for purchases and want to convert eligible spending into reward value. |
| Important check | Not every transaction may earn points. Cash withdrawals, fees, reversals, disputed transactions, and certain excluded spends may not qualify, depending on TMB and reward platform rules. |
For TMB credit cards, the bank’s credit card policy mentions a tie-up with NPCI for the Nth Rewards loyalty platform. Under this programme, eligible credit card customers can earn points through transactions and redeem them for rewards such as e-vouchers, donations, hotel bookings, and flight bookings.
2. Credit Card portal
The credit card portal is useful for customers who want to access credit card-related services online. It may support card information, bill payment, service requests, and account-related card support based on the customer’s card type and access.
| Service | Purpose | Customer Use |
|---|---|---|
| Credit Card Portal | Online credit card service access | Useful for checking card details, dues, payments, and service options |
3. Multicurrency Travel Card
The multicurrency travel card can help customers carry foreign currency digitally while travelling abroad. It may be useful for overseas education, business travel, leisure travel, and international payments where supported.
| Service | Purpose | Customer Use |
|---|---|---|
| Multicurrency Travel Card | Foreign currency payment support | Useful for international travel and overseas spending |
4. PrePaid Card
Prepaid cards can help customers make payments using a preloaded balance. They are useful for controlled spending, gifting, business expense management, and limited-value payment use cases.
| Service | Purpose | Customer Use |
|---|---|---|
| PrePaid Card | Preloaded payment card | Useful for controlled digital or card-based transactions |
Tamilnad Mercantile Bank Customer care
TMB customer care can help with account queries, digital banking issues, card blocking, complaint support, and service requests. For safety, customers should contact only official TMB customer care channels and never share OTP, PIN, password, CVV, full card number, or TMB netbanking credentials with anyone.
| Customer Care Service | Contact or Process | Useful For |
|---|---|---|
| Contact | National Toll Free Number: 180 0425 0426; TMB Customer Care: +91 9842 461 461; working hours shown as 08:00 am to 10:00 pm on all days | General banking queries, account support, and service assistance |
| Digital Service Blocking | Use official TMB customer care or listed digital blocking channels for urgent blocking requests | Blocking digital services, debit card support, suspected fraud, or unauthorized usage |
| Internet Banking Support | TMB internet banking support numbers are listed on the official contact page for netbanking-related queries | TMB netbanking registration, login issues, TMB statement download, and account access support |
| Complaint Redressal & Dispute Resolution System | Use the official complaint or grievance process provided by the bank | Failed transactions, service complaints, card disputes, digital banking issues, and escalation support |
For TMB netbanking registration, use only the official TMB internet banking route or branch-assisted process. Keep your customer ID, PAN, registered mobile number, and account details ready. For TMB statement download, log in through official TMB internet banking or TMB mobile banking, select the account, choose the period, and download or email the statement where the option is available.
Customers who prefer physical records can continue to use the TMB passbook facility where applicable. Customers who prefer digital records can use mobile banking, TMB internet banking, or eligible app-based services to view transactions and download statements. Always log out after every session and avoid using public Wi-Fi for banking transactions.
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