HDFC Bank has announced updates to its Imperia programme eligibility, effective October 1, 2025, with a key focus on a new Total Relationship Value (TRV) criterion. The bank informed customers of the change via official communication.
Who is affected?
Customers enrolled in the Imperia programme on or before June 30, 2025, will move to the new eligibility norms starting October 1. Those who joined after July 1, or whose Imperia status has changed since then, are already under the revised rules.
Key update:
To qualify, customers must now maintain a TRV of ₹1 crore or more at a group level. TRV includes:
- Balances in savings, current, and fixed deposits
- Investments like mutual funds purchased via HDFC Bank
- 20% of outstanding retail loans
- 20% of demat holding value
- Premiums of insurance policies bought through the bank
Existing criteria still valid, such as:
- ₹15 lakh average quarterly balance in a current account
- ₹10 lakh average monthly savings balance
- ₹30 lakh combined balance across accounts
- ₹3 lakh net monthly salary in a corporate salary account
Benefits include free services like cheque collection, fund transfers, stop payments, certificates, and more.
