HDFC Bank, one of India’s top private sector banks, has rolled out new guidelines for its premium banking service — the Imperia Program. These changes will officially be implemented on October 1, 2025, and will impact both existing and new customers under the scheme.
Who Will Be Impacted?
The updated rules will cover two main sets of customers:
- Existing Members (before June 30, 2025): Anyone who joined the Imperia Program on or before this date will automatically be shifted to the new framework once it comes into force.
- New Members (after July 1, 2025): Customers who received, upgraded, or downgraded their Imperia status after this date are already under the revised rules.
Key Changes in Eligibility
The biggest update revolves around the Total Relationship Value (TRV) — the benchmark used to measure eligibility for Imperia privileges. Going forward, clients will need to hold a minimum TRV of ₹1 crore at the group level to continue enjoying premium benefits.
The TRV will be calculated using the following:
- Balances in savings, current, and fixed deposits.
- Mutual funds and investments purchased through HDFC Bank.
- 20% of outstanding retail loans taken.
- 20% of demat holdings linked with the bank.
- Insurance premiums paid on policies purchased via HDFC Bank.
Additional Eligibility Options
Apart from TRV, older rules will also remain valid, meaning customers can continue under Imperia if they meet any of the following:
- Maintain an average quarterly balance of ₹15 lakh in a current account.
- Hold an average monthly balance of ₹10 lakh in a savings account.
- Keep a combined balance of ₹30 lakh across deposits.
- Receive a monthly salary credit of ₹3 lakh or more in an HDFC corporate salary account.
Continued Premium Benefits
Imperia customers enjoy a wide range of exclusive perks at no extra charge, including:
- Free fund transfers across branches.
- Complimentary duplicate account statements and check collection.
- No fees on stop-payment instructions.
- Free mandate registrations and access to past records.
- Balance and interest certificates issued at zero cost.
- Address and signature verification services.
These privileges are meant to provide customers with enhanced convenience and a superior banking experience compared to standard services.
Why This Matters
By raising the TRV bar to ₹1 crore, HDFC Bank is aiming to deepen customer engagement and encourage clients to consolidate their deposits, loans, and investments within the bank. For customers, this means keeping larger balances or handling multiple financial products with HDFC in order to maintain Imperia status. Those unable to meet the updated requirements may have to adjust their banking portfolio or shift to regular accounts.
