TMB Bank customer care: a complete, practical guide (Tamilnad Mercantile Bank, India)

Tamilnad Mercantile Bank (TMB) has served retail, MSME, and agri customers since 1921, with its registered office at 57, V.E. Road, Thoothukudi (Tuticorin) 628002, Tamil Nadu, India. If you see “TMB Bank” in India, it refers to Tamilnad Mercantile Bank—founded as Nadar Bank in 1921 and renamed in 1962. The official website is https://www.tmb.in.

This guide explains every effective way to reach TMB customer care, how to file and track complaints, the resolution timelines you can rely on, and the exact regulatory protection you can invoke for digital payments and card disputes. It is written for everyday customers as well as business users who need precise, action-oriented help rather than generic advice.

Official channels that actually work

The fastest route for urgent issues (card lost/blocked, suspicious debit, UPI failure) is to use TMB’s digital channels first: mobile/internet banking offers instant card controls (block/unblock, set limits, merchant category controls) and transaction dispute initiation. For non-urgent queries (charges, statements, KYC updates), branch and email/web-form channels work well and create a documented paper trail.

You can initiate and track complaints through the “Contact/Support” section on https://www.tmb.in. For walk-ins, bring a government photo ID and your account/relationship number; branch staff can register a Complaint/Service Request (SR) and provide you a reference number the same day. Keep screenshots or PDFs of acknowledgement emails/receipts—these are essential if you need to escalate later.

What TMB customer care can do and what to keep ready

TMB’s frontline customer care can resolve most routine requests in one interaction if you provide complete details. The more specific and documented your request, the faster the resolution—especially for failed digital payments, card disputes, and charge reversals.

• Common requests resolved by customer care: instant card hotlisting and reissue; address/mobile/e-mail updates; cheque stop-payment; interest/charge clarifications; FD closure/pre-closure quotes; NEFT/RTGS/IMPS tracking (UTR-based); UPI failure/log details; net banking access reset and device de-registration.
• Information to keep handy: full name (as per bank), Customer ID/account number, last successful transaction amount/date, disputed transaction details (amount, date-time, merchant/biller, UPI ID/UTR/RRN or card last 4 digits), device/app used (UPI app and version), error messages/screenshots, registered mobile number, and a reachable e-mail. For chargebacks: attach invoices, SMS alerts, and merchant correspondence.

Raising and tracking a complaint: steps and timelines

Step 1 (log the complaint): Use the support form on https://www.tmb.in or visit your branch. Demand a complaint reference number at the time of logging. For digital payments, ask for the UTR/RRN to be captured in the case. For card issues, ensure the last 4 digits and exact time-stamp are recorded. Save a PDF/printout of the acknowledgement.

Step 2 (follow up against TATs): Simple service requests usually close within 3–7 working days; complex investigations (merchant disputes/chargebacks, KYC remediation, legacy loan account corrections) may take up to 30 calendar days. Ask for the defined Turnaround Time (TAT) at the time of logging and set a calendar reminder 1–2 days before the TAT ends. Always reply to the same ticket thread so the audit trail remains intact.

Digital payments and card disputes: exact rules you can invoke

UPI auto-reversal: If your account is debited but the UPI payment fails, NPCI stipulates auto-reversal by T+5 working days (T = transaction date). Quote this when following up. If not reversed by the end of T+5, ask TMB to escalate to NPCI with proof of technical decline and share the NPCI complaint reference.

Unauthorized electronic transactions (cards/net banking/UPI): As per RBI circular dated 06 July 2017 on customer liability, you have zero liability if you report within 3 working days of the transaction. The bank must provide a provisional credit within 10 working days and complete the resolution within 90 days. If reported after 3 but within 7 working days, your liability is limited as per the circular; ask the bank to apply the rule appropriate to your case and provide a written computation.

ATM cash not dispensed but debited: RBI mandates reversal by T+5 working days; beyond this, the bank must pay compensation of Rs 100 per day of delay. Quote this when the reversal exceeds the time window, and request the reference number of the ATM switch investigation (including EJ log confirmation).

Escalation ladder and statutory options (with numbers and links)

If your complaint is unresolved or you are dissatisfied with the reply, escalate in writing with the original complaint number, dates, and all attachments. Escalate progressively and allow the published TAT at each level; this creates a strong, auditable trail if you need to approach regulators.

• Internal escalation: Branch Manager ➝ Regional/Cluster Office ➝ Bank’s Nodal Officer (details are published in the “Grievance Redressal” section on https://www.tmb.in). Wait up to 30 calendar days from the date of first complaint for a final resolution.
• RBI Integrated Ombudsman Scheme (after 30 days or unsatisfactory closure): Toll-free 14448 (Mon–Fri working hours); online complaint portal: https://cms.rbi.org.in; e-mail via the CMS portal. Keep your bank complaint number, dates, and all evidence ready.
• DigiSaathi (national helpline for digital payments guidance): 14431 and 1800 891 3333; website: https://www.digisaathi.info. Helpful for UPI/IMPS/NEFT/card issues across all banks, including self-help flows and FAQs.
• BHIM/UPI assistance (NPCI): 1800 120 1740 (BHIM helpline). Use when a UPI app issue persists despite bank follow-up; quote UTR/RRN.

Hours, service windows, and practical tips

Branch banking hours in India generally follow Monday–Friday full day, first/third/fifth Saturday open (reduced hours), and second/fourth Saturday and all Sundays closed. For time-sensitive work (e.g., DD issuance, locker access, KYC remediation), arrive well before cut-off. Digital rails have expanded: NEFT is 24×7 since 16 December 2019, RTGS is 24×7 since 14 December 2020, and IMPS/UPI are 24×7—including bank holidays.

For urgent safety actions (card lost, suspected compromise), use instant self-service: block the card in the mobile/internet banking app, change UPI PIN/net banking password immediately, and disable online/contactless usage until you review your statement. Then log a formal complaint to preserve your regulatory protections and timelines.

Note on the other “TMB” (Thailand)

In Thailand, the former TMB Bank merged with Thanachart Bank in 2021 and now operates as TMBThanachart Bank Public Company Limited (brand “ttb”). If you were looking for Thai TMB/ttb customer service, the ttb contact center short code is 1428 (within Thailand), and the official website is https://www.ttb.co.th.

Cross-border customers sometimes confuse the two. Tamilnad Mercantile Bank (India) and ttb (Thailand) are unrelated institutions with separate systems and support teams. Always verify you are on the correct official website before sharing personal or banking information.

What is the phone number of TMB bank?

If you still can’t find what you are looking after refining your search, please contact us using our online enquiry form or call 13 12 21 (8am-7pm weekdays or 9am-3pm, Saturday)

How can I check my TMB bank account balance?

Just give a missed call from your registered phone to 09211937373. Quick and easy! For more details, visit our website. #TMB #ForwardTogether #MissedCall.

What is the customer care number of TMB demat?

For all your queries, on any of our services in any branch in India, you can now SMS “help” or call +91 9842 461 461. TMB’s Customer Care team is at your service (10:00am to 5:30pm) & will address your concerns immediately.

What is the Whatsapp number for TMB bank?

9282112225
Whatsapp Banking: (9282112225) Type ‘Hi’ –> Type ‘Menu’ –> Type ‘2’ –> Type ‘2’. After enabling the USER ID, user can reset their ‘Sign on’ password by clicking the “Forgot Password” link available at the Login Page.