Tamilnad Mercantile Bank
Advances reported on a gross basis
- Assets
- ₹79,786 Cr
- Deposits
- ₹64,409 Cr
- Advances
- ₹57,306 Cr
- Business
- ₹1,21,715 Cr
- Net Profit
- ₹411.51 Cr
Digital & payments
Digital transaction share — peer comparison
Digital & payments detail
- Digital share
- 97.40%
- Digital initiatives
- UPI on credit card; UPI Lite/Auto Top-up; UPI TapnPay; UPI Help 2.0; CBDC; revamped website; multilingual ATMs; digital onboarding/VKYC
Digital transaction share
Future-ready bank roadmap
Digital initiatives
- Digital payments
UPI credit card, UPI Lite, UPI TapnPay, UPI Help 2.0
Payment modernization
- Digital onboarding
Customer onboarding & VKYC enhancement; revamped website; multilingual ATMs
9-language ATMs
- Core modernization
CBDC, co-lending, B2B invoicing/payments, LOS/LMS, AI/ML analytics, cloud
Future-ready bank roadmap
- Digital Transformation
Digital transformation is nearing completion.
- Digital Transformation
Modernization of bank operations through the implementation of Oracle Fusion for HCM and CX, workflow automation, and a new state-of-the-art AI Call Center.
IT spend up 15.80% YoY
- Digital Banking Transformation
Upgradation of the Internet Banking Application into a Digital Engagement Hub along with mobile banking and UPI enhancements.
Upgradation of Internet Banking Application to Digital Engagement Hub
- Digital Transformation / Customer Experience
Implemented a Customer Relationship Management (CRM) platform.
Customer experience platform (CRM) implemented in Q2FY26.
- Digital Banking / Customer Acquisition
Establishment of Transaction Business Group helped turn the tide on CASA. Tab based online Current account opening launched on 08.07.25 to accelerate growth.
- Digital Banking
Strategic focus on shifting customer behavior towards digital channels resulting in high digital transaction penetration.
96.62% digital share
- Digital Transformation
Implementation of Oracle CX, Vendor Management System (VMS), and Business Process Management (BPM) modules to drive operational excellence, seamless customer lifecycle management, and paperless digitized workflows.