Starting October 1, 2025, HDFC Bank will revamp its Imperia premium banking programme by adding a new eligibility option: maintaining a Total Relationship Value (TRV) of ₹1 crore or more at the group level. This update aims to make Imperia more exclusive for high-net-worth clients, while existing options remain available for diverse financial profiles.
What’s Changing in HDFC Imperia?
The new TRV requirement means customers can qualify for Imperia by aggregating savings, current, and fixed deposit balances, investments made through HDFC Bank, 20% of outstanding retail loan amounts, 20% of demat account holdings, and insurance premiums—across their linked group accounts. Existing groups onboarded before June 30, 2025, will transition to the new criteria from October 1, 2025. Those joining after July 1, 2025, will be evaluated on the new rules immediately.
Other Paths to HDFC Imperia
HDFC Bank will continue to accept customers based on any of these options: ₹15 lakh quarterly balance in a current account ₹10 lakh monthly balance in a savings account ₹30 lakh combined monthly balance across all accounts ₹3 lakh or more monthly salary credited in a corporate salary account.
With these changes, HDFC Bank reinforces Imperia as a premium offering for affluent individuals and families who prefer consolidated group banking. Customers benefit from complimentary services like inter-branch transfers, free cheque collection, and locker discounts—making Imperia a compelling choice for relationship-based banking.
Existing and aspiring Imperia customers should review their total relationship with HDFC Bank and group assets to meet the new benchmarks, ensuring uninterrupted access to exclusive privileges from October 2025.