HDFC Bank has introduced changes to its Imperia programme eligibility criteria, providing more options for customers to qualify for premium benefits. The revised rules, announced through an official communication to Imperia members, will take effect from October 1, 2025.
For customers who enrolled in the programme on or before June 30, 2025, the new criteria will be applicable from October 1, while those upgraded or downgraded after July 1, 2025, will see the revised rules enforced immediately.
New Eligibility Criteria for Imperia Benefits
The most significant update is the introduction of the Total Relationship Value (TRV) requirement. To continue enjoying Imperia privileges, customers must now maintain a TRV of ₹1 crore or more at the group level.
Apart from TRV, HDFC Bank allows customers to remain eligible if they fulfill any one of the following conditions:
- Maintain an average quarterly balance of ₹15 lakh in a current account.
- Maintain an average monthly balance of ₹10 lakh in a savings account.
- Maintain a combined average monthly balance of ₹30 lakh across savings, current accounts, and fixed deposits.
- Hold a corporate salary account with a net monthly salary of ₹3 lakh or higher.
What is TRV and Why Does it Matter?
Total Relationship Value (TRV) reflects a customer’s overall value to the bank, measured at both individual and group level. It combines various financial relationships such as deposits, investments, borrowings, and insurance. TRV is calculated by including:
- Liabilities such as savings and current account balances.
- Investments in mutual funds and other wealth products through HDFC Bank.
- 20% of the outstanding balance on retail loans taken from the bank.
- 20% of demat holdings with HDFC Bank.
- Premiums paid towards insurance policies linked with the bank.
This comprehensive structure encourages customers to consolidate their financial dealings with HDFC Bank in order to unlock Imperia privileges.
Exclusive Benefits for Imperia Customers
To make the premium banking experience truly rewarding, HDFC Bank continues to offer a host of complimentary services to Imperia customers that normally come with additional charges. These include:
- Inter-branch fund transfers
- Stop payment requests
- Cheque collection and duplicate account statements
- Mandate registration and retrieval of old records
- Certificates for interest, balance, address confirmation, and signature attestation
When it comes to cheques and payment instruments, charges on cheque returns, ECS/ACH returns, and chequebook issuance are waived off.
Additionally, Imperia customers enjoy premium locker benefits: the first locker is free of annual rent, while the second one attracts a 50% discount within the same group.
