HDFC Bank has issued an important announcement for its premium customers. The bank is making significant changes to its exclusive Imperia Service Program, a privilege-based offering designed for select customers. This service provides multiple special benefits, but now, the eligibility rules are being revised.
The new rules will officially come into effect from October 1, 2025, and the bank has already informed its customers about the upcoming changes.
The Key Change: New Total Relationship Value (TRV) Requirement
The biggest change in the updated policy revolves around the Total Relationship Value (TRV) rule. As per the new framework, customers (along with their family accounts) will need to maintain a combined TRV of ₹1 crore or more in order to continue enjoying the Imperia services.
Who Will Be Affected by This Change?
- The revised rule applies to customers who were already part of the Imperia Program before June 30, 2025. For them, the new TRV requirement will be effective from October 1, 2025.
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However, customers who joined the Imperia Program on or after July 1, 2025, or those whose account status has been upgraded or downgraded after that date, are already under this new rule.
What Exactly is TRV?
TRV, or Total Relationship Value, represents the combined value of a customer’s and their family’s relationship with the bank across multiple products and services.
It is calculated by adding the following:
- Balances in Savings Accounts, Current Accounts, and Fixed Deposits
- Investments made through HDFC Bank, including Mutual Funds and other eligible financial instruments
- 20% of the value of retail loans availed
- 20% of Demat holdings
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Premiums paid for insurance policies purchased via the bank
In short, TRV is a comprehensive measure of a customer’s overall financial engagement with HDFC Bank.
Old Rules Will Continue Alongside New Ones
While the new TRV rule has been introduced, existing eligibility criteria will also remain valid. This means that a customer can still qualify for the Imperia Program under the earlier conditions, such as:
- Maintaining a quarterly average balance of ₹15 lakh in a Current Account, OR
- Maintaining a monthly average balance of ₹10 lakh in a Savings Account, OR
- Holding a combined monthly average balance of ₹30 lakh across Savings, Current, and Fixed Deposit Accounts, OR
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Having a monthly salary of ₹3 lakh or more, credited directly into an HDFC Bank Corporate Salary Account
If any of these conditions are met, customers are eligible to be a part of the Imperia Program, even without meeting the ₹1 crore TRV benchmark.
Exclusive Benefits for Imperia Customers
Being an Imperia customer comes with a wide range of complimentary services that are usually chargeable for regular account holders. These benefits are designed to make banking more convenient, smooth, and rewarding.
Some of the free services include:
- Inter-branch fund transfers
- Stop payment of cheques
- Cheque collection services
- Duplicate account statements
- Mandate registration
- Retrieval of old records
- Issuance of interest and balance certificates
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Address or signature verification
By enjoying these benefits at no additional cost, Imperia customers not only save money but also experience premium and hassle-free banking.
What This Means for Customers
The updated TRV requirement indicates that HDFC Bank is strengthening its focus on high-value customers, encouraging them to consolidate more of their financial activities with the bank. While the bar for eligibility has been raised significantly for long-standing Imperia customers, the continuation of older rules ensures that multiple pathways remain open for individuals to access these premium services.
For those already enjoying Imperia privileges, it is important to review your TRV and overall account balances before October 1, 2025, to ensure uninterrupted access to benefits.
In summary:
- From October 1, 2025, a TRV of ₹1 crore or more will be mandatory for many Imperia customers.
- The rule applies differently depending on whether a customer joined the program before or after July 1, 2025.
- Existing eligibility conditions (balances and salary criteria) remain valid.
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Imperia customers will continue to receive exclusive free services that enhance their banking experience.