Tamilnad Mercantile Bank (TMB) Customer Care: A Complete, Practical Guide

Overview and what to expect from TMB support

Tamilnad Mercantile Bank (founded in 1921 and renamed to its present title in 1962) operates an extensive customer care framework that covers phone support, secure in‑app messaging, net banking service requests, and a formal grievance redressal path compliant with Reserve Bank of India (RBI) norms. The bank’s official website is https://www.tmb.in, and its e‑banking portal is commonly accessed via https://www.tmbnet.in (always verify the URL’s SSL certificate and that you reached it through a link on tmb.in).

Before you contact support, have your customer ID/account number, last transaction details, and an identity proof reference handy. For card‑related emergencies such as loss, theft, or suspected fraud, TMB provides 24×7 hotlisting; non‑emergency queries are typically handled during standard business hours on working days. Maintain a log of the date/time of your call or request and any complaint or service request number issued; this will be essential if you need to escalate.

How to reach TMB customer care quickly

You can reach TMB through its published customer care phone lines (including a 24×7 card‑blocking line), branch managers, and digital channels. Because phone numbers may be updated periodically, rely on the bank’s “Contact Us” page on https://www.tmb.in for the latest toll‑free and non‑toll‑free numbers. From overseas, use the international contact number listed there; charges will depend on your carrier.

If your query concerns transactions, cheques, or account servicing, you’ll generally be asked to authenticate using your customer details and to confirm recent transactions for security. For card hotlisting, be prepared to verify your card/account specifics and your date of birth. For net banking or mobile app issues, capture screenshots (without exposing full account numbers or OTPs) to attach with your secure service request, which can speed up resolution.

Digital channels: net banking, mobile app, and secure messages

TMB’s e‑banking (via https://www.tmbnet.in, linked from tmb.in) and mobile app provide self‑service options that can be faster than phone queues for routine tasks: cheque book requests, stop‑payment instructions, updating contact details, dispute initiation on card transactions, and downloading account statements. Submitting a request digitally generates a ticket or reference number; note it and keep any acknowledgement email/SMS for follow‑up.

Secure messaging inside net banking or the app is preferable to ordinary email because it ties your message to your verified profile, supports attachments, and keeps an auditable trail. If you’ve forgotten login credentials, use the “Forgot User ID/Password” paths on the official portals; never search for or click on third‑party “password reset” links. For SMS banking (if enabled on your account), standard operator SMS charges apply; details and short codes are listed on the bank’s website.

Blocking cards, fraud alerts, and dispute reporting

For a lost or stolen debit card, or if you notice unauthorized transactions, block the card immediately using the 24×7 card hotlisting number on https://www.tmb.in or the mobile app/net banking if available. Immediate reporting limits your liability under RBI rules: if you report a loss before any fraudulent transaction occurs, your liability is zero; if you report after a fraud, liability is governed by RBI’s customer liability framework and depends on whether it’s a third‑party breach, a bank deficiency, or a customer‑level compromise.

After blocking, raise a written complaint or a secure in‑app/net‑banking dispute with full particulars: transaction date/time, amount, merchant/ATM location, and why you dispute it. For failed electronic payments, RBI’s “Harmonisation of Turn Around Time (TAT) and customer compensation for failed transactions” (September 20, 2019) requires reversals within defined timelines—e.g., UPI/IMPS reversals by end of T+1; ATM cash‑out failures within 5 calendar days—with compensation of Rs. 100 per day of delay thereafter. Keep your service request number and monitor status regularly.

Complaint and escalation workflow at TMB

Step 1: Lodge your complaint with your home branch or through official customer care channels (phone, secure net banking message, or the online complaint form linked from https://www.tmb.in). You should receive an acknowledgement with a unique reference number and a stated resolution timeline. Attach relevant documents: transaction slips, screenshots, merchant invoices, or police report (FIR) numbers for fraud cases.

Step 2: If not resolved to your satisfaction, escalate to the Regional/Zonal Office or the bank’s Principal Nodal Officer (PNO) for grievance redressal. The PNO’s current contact details (name, email, phone, and postal address) are published on the bank’s website under Grievance Redressal or Contact Us. When escalating, include your original complaint reference, dates of interactions, and any interim responses received.

Step 3: If the bank does not resolve your complaint within 30 days, or you are dissatisfied with the outcome, you may approach the RBI under the Integrated Ombudsman Scheme, 2021. File your case through the RBI Complaint Management System (CMS) at https://cms.rbi.org.in with all supporting documents and the bank’s complaint reference. The Ombudsman will review and may seek additional information; timely, clear documentation markedly improves outcomes.

Useful data points and documents to keep ready

Preparing complete and accurate information before contacting support reduces back‑and‑forth and can shave days off your resolution time. Make redacted copies (masking full card numbers) to protect sensitive details if you must email or upload documents.

Below is a concise checklist that covers most servicing and dispute scenarios:

• Your Customer ID/account number and branch name; last 3–5 transactions for verification.
• Registered mobile number and email ID; confirmation of access to receive OTPs.
• For card issues: last 4 digits of the card, card type (RuPay/Visa/Mastercard), and the date/time you noticed the issue.
• Transaction evidence: ATM slip, POS charge slip, UPI/IMPS reference (RRN/UTR), merchant invoice, or screenshots from the app/net banking.
• For failed/partial cash withdrawals: ATM location, acquiring bank (if other bank’s ATM), and CCTV request note (if advised by support).
• For fraud: a brief chronology (when/how you were contacted, any OTPs shared), and if applicable, a cybercrime complaint reference (https://cybercrime.gov.in) or FIR number.
• Any prior complaint/service request numbers and dates of correspondence with TMB.
• Identity proof reference (PAN/Aadhaar/Passport) for KYC‑related requests or account freezes/unfreezes.

Charges, turnaround times, and SLAs you should expect

Turnaround times vary by product and channel. As a rule of thumb (subject to TMB’s published policies and RBI norms): ATM failed cash withdrawal disputes should be resolved within 5 calendar days; UPI/IMPS failed credit reversals by end of T+1 working day; post the TAT, compensation of Rs. 100 per day of delay applies until the credit is made. For standard service requests (cheque book, address updates), banks often target 2–7 working days depending on documentation and verification.

Calls to toll‑free numbers from India are free; international calls and SMS requests (where applicable) may incur carrier charges. Some services (such as physical statement copies, duplicate passbooks, or card re‑issuance) may attract fees as per TMB’s Schedule of Charges. Refer to the latest tariff guide on https://www.tmb.in before placing such requests to avoid surprises.

Branch and head office contacts

Registered/Head Office: Tamilnad Mercantile Bank Ltd., 57, V.E. Road, Thoothukudi (Tuticorin), Tamil Nadu – 628002, India. Use this address for formal written complaints if instructed by the bank or when sending supporting documents in hard copy. For day‑to‑day servicing, your home branch remains your primary point of contact; a branch locator is available through the Contact/Branches section of https://www.tmb.in.

When visiting a branch, carry original KYC documents for verification and self‑attested copies for submission. For time‑critical issues (card loss, suspected fraud), do not wait for a branch visit—use the 24×7 phone or app hotlisting options first, then follow up at the branch with documentation.

Safety and privacy tips when dealing with support

TMB will never ask for your full card number, CVV, internet banking password, or OTP over phone, email, SMS, or chat. If anyone requests these, terminate the interaction and report the incident through official channels. Never install remote‑access apps (e.g., screen sharing) at the request of a caller claiming to be “from the bank.”

Use only the contact numbers and links published on https://www.tmb.in. Bookmark the site and type URLs directly to avoid phishing. Review SMS and email alerts promptly; enable transaction notifications on the mobile app. If you detect any unrecognized transaction, block the card or deactivate the channel immediately and open a dispute without delay.

• Do not share OTPs, UPI PINs, or passwords with anyone—including bank staff.
• Confirm you are on the official site (padlock icon, correct domain) before logging in.
• Set lower per‑transaction limits for UPI/cards and raise temporarily only when needed.
• Update your KYC and contact details so you do not miss critical alerts or letters.
• Report phishing to the bank and to [email protected]; for cyber fraud, lodge a complaint at https://cybercrime.gov.in promptly.

Final notes

Always cross‑check phone numbers and email IDs on the bank’s official website before using them, as these may change. Keep a neat file (digital or paper) with your complaint references, dates, and attachments. If 30 days pass without a satisfactory resolution from TMB, escalate your case with complete documentation via RBI’s CMS at https://cms.rbi.org.in.

With the right information at hand and by using the correct channels, most TMB customer care issues—especially routine servicing and payment disputes governed by RBI TATs—can be resolved efficiently and with minimal friction.

What is the Whatsapp number for TMB customer care?

Whatsapp Banking: (9282112225) Type ‘Hi’ –> Type ‘Menu’ –> Type ‘2’ –> Type ‘2’.

What is the enquiry number of tamilnadu mercantile bank?

ALL INDIA NATIONAL TOLL FREE NUMBER : 180 0425 0426
Working Hours : 10:00 am to 6:00 pm (All Days of the Week).

What is the mail ID of Tamilnad Mercantile Bank customer care?

Road, Thoothukudi 628 002. The whistle blower shall not write the “from” address on the envelope. The complaint can also be also sent by email to civ[at]tmbank[dot]in if the complaint so wishes.

What is the customer care number of Mercantile Bank?

For any and every Card related need of yours, Mercantile Bank Cards Customer care is there to serve you 24/7. Just dial 16225 from any mobile phone in Bangladesh or dial +880 9678016225 from any phone, anywhere in the world and ask for the service or information.