HDFC Bank has revised the rules of its Imperia program, which will be effective from October 1, 2025. Customers will now need to maintain a minimum Total Relationship Value (TRV) of ₹1 crore at the group level. The existing eligibility criteria will also remain in effect.
HDFC Bank New Rule: HDFC Bank has made significant changes to the eligibility rules of its premium banking service, the 'Imperia Program.' According to the bank's announcement, effective October 1, 2025, customers must maintain a minimum Total Relationship Value (TRV) of ₹1 crore at the group level. This includes the value of savings, current and fixed deposits, investments, insurance, and certain loans. These new criteria will also apply to customers who joined the program by June 30, 2025.
Which Customers Will the New Rules Apply To?
HDFC Bank has clarified that the new criteria will be effective from October 1 for customers who enrolled in the Imperia Program by June 30, 2025. However, these rules are already in effect for customers who joined the program after July 1, 2025, or whose accounts have recently been upgraded. This means that existing customers were given some respite, but they will now have to comply with the new conditions.
Biggest Change in the New Rules
Under the new rules, customers must now maintain a minimum Total Relationship Value (TRV) of ₹1 crore at the group level to remain in the Imperia Program. TRV refers to the total value of deposits, investments, and select loans held with the bank by the customer and their family or group. Previously, there was no such strict requirement, but the bank has now made it a key criterion.
How TRV Will Be Determined
According to HDFC Bank, TRV will be calculated by adding several factors, including:
- The amount held in savings accounts, current accounts, and fixed deposits.
- Mutual funds and other investment products purchased through the bank.
- 20 percent of any outstanding retail loans.
- 20 percent of the value of investments held in Demat accounts.
- Premiums for insurance policies purchased through HDFC Bank.
The customer's total TRV will be calculated by adding all accounts, investments, and loans in this manner.
Existing Rules Will Also Apply
The bank has also stated that customers can remain eligible for the Imperia Program based on existing rules, in addition to the TRV requirement. These include:
- Maintaining a minimum average quarterly balance of ₹15 lakh in a current account.
- Maintaining a minimum average monthly balance of ₹10 lakh in a savings account.
- Maintaining a combined average monthly balance of ₹30 lakh in savings, current, and fixed deposits.
- Having a net salary credit of at least ₹3 lakh per month in a corporate salary account.
This means that customers now have several options, and they can remain part of Imperia by fulfilling any one of these conditions.
Benefits for Imperia Customers
HDFC Bank's Imperia Program offers customers several premium services free of charge. General account holders are typically charged for these services. These include:
- Inter-branch fund transfer facility without any additional charges.
- Stop payment instruction service.
- Check collection and duplicate account statement facility.
- Retrieval of old records and mandate registration.
- Free interest and balance certificate facility.
- Address confirmation and signature verification service.
These facilities provide Imperia customers with a distinct and convenient banking experience.
Why Were the Changes Made?
HDFC Bank has not stated an official reason for these changes, but banking sector experts believe that this move is intended to further strengthen the bank's premium customer base. The bank is also focusing on customers with high financial capacity and who have a long-term relationship with the bank.
