HDFC Bank to Revise Imperia Eligibility Rules from October 1, 2025
HDFC Bank to Revise Imperia Eligibility Rules from October 1, 2025
Mumbai, Aug 27: HDFC Bank will introduce a new eligibility criterion for its premium Imperia banking programme starting October 1, 2025. The lender has added Total Relationship Value (TRV) of ₹1 crore or more at the group level as an additional route for customers to retain their Imperia status.
According to official communication sent to customers, the new rule will apply to all existing Imperia members as of June 30, 2025. Customers who joined or had their status revised after July 1, 2025, are already under the updated norms.
What is TRV?
TRV reflects the overall value of a customer’s relationship with the bank and is calculated at either the individual Customer ID or Group ID level. It includes:
- Savings, current and fixed deposit balances
- Value of mutual funds and investment products purchased through HDFC Bank
- 20% of outstanding retail loans
- 20% of demat holdings with HDFC Bank
- Insurance premiums paid on policies bought via the bank
Existing Criteria Continue
The TRV requirement will not replace existing eligibility rules. Customers can still qualify for Imperia by maintaining:
- ₹10 lakh average monthly balance in a savings account
- ₹15 lakh average quarterly balance in a current account
- ₹30 lakh combined average monthly balance across deposits
- ₹3 lakh net monthly salary credited to an HDFC Bank corporate salary account
Benefits Unchanged
The revision does not affect the perks of the programme. Imperia customers will continue to receive complimentary services such as free inter-branch transfers, cheque collection, duplicate statements, certificate issuance, signature attestation, and address confirmation. Locker benefits include one free annual locker per group and a 50% discount on a second locker.
HDFC Bank said the move will give customers, especially families and business groups, greater flexibility to maintain Imperia privileges by leveraging their combined banking relationship.
