HDFC Bank Imperia Programme Gets New Rules:Check TRV Criteria Effective October 1

HDFC Bank has announced major changes to its premium Imperia banking programme. Starting October 1, 2025, customers will have to meet new conditions to remain eligible for Imperia status. The bank has introduced a new rule based on Total Relationship Value (TRV) along with the existing eligibility criteria.

New TRV Requirement for Imperial Customers

As per Bank's official notice, in order to qualify for Imperia status beginning October 1, 2025, customers must maintain a Total Relationship Value (TRV) of Rs. 1 crore or more at the group level. TRV refers to the entire value of all of your HDFC Bank accounts, deposits, loans, investments, and insurance policies.

Simply put, HDFC Bank will now look at your overall relationship with the bank and not just one account balance.
The TRV will include: money in savings, current, and fixed deposit accounts; mutual fund investments made through HDFC Bank; 20% of any retail loans you owe; 20% of your demat account holdings; and insurance premiums paid for policies bought through the bank.

Existing Imperia Eligibility Rules Remain

According to a CNBC TV 18 report, Despite the introduction of the new TRV requirement, HDFC Bank has said that customers can still qualify for Imperia benefits by meeting the existing criteria, which include maintaining an average quarterly balance of Rs. 15 lakh in a current account, an average monthly balance of Rs. 10 lakh in a savings account, a combined monthly balance of Rs. 30 lakh across deposits and accounts, or having a net monthly salary of Rs. 3 lakh or more credited to an HDFC Bank corporate salary account.

Transition Timeline for Customers

Customers who enrolled in HDFC Imperia before June 30, 2025, will transition to the new TRV-based rules from October 1. However, customers who joined or upgraded after July 1, 2025, are already subject to the revised eligibility norms as per the bank.

Imperia Banking Benefits Continue

Although the eligibility criteria are becoming stricter, HDFC Bank has assured that the benefits and privileges of the Imperia programme will remain unchanged. Customers will continue to enjoy free inter-branch transfers and cheque collection, complimentary locker facilities at select branches, dedicated relationship managers with priority service counters, and premium privileges across investments, loans, and insurance.