HDFC Bank Expands Imperia Benefits with New TRV Criteria Effective October 2025

HDFC Bank is revising rules for its elite Imperia programme by introducing a new Total Relationship Value (TRV) eligibility criterion. Effective October 1, 2025, customers can maintain a group-level TRV of ₹1 crore to enjoy premium banking privileges.

New TRV-Based Eligibility for HDFC Imperia Programme

From October 1, 2025, HDFC Bank will implement a TRV-based option for its Imperia customers. Under this revised rule, a customer or group linked by Customer ID can qualify by holding a minimum Total Relationship Value of ₹1 crore across various HDFC Bank services. TRV includes combined amounts held in savings and current accounts, fixed deposits, mutual funds, insurance premiums, 20% of retail loans, and demat holdings.

Alternative Balance-Based Eligibility Options

Besides TRV, customers may continue to qualify for Imperia benefits by maintaining specific account balances. These are as follows:

• Average quarterly balance of ₹15 lakh in a current account
• Average monthly balance of ₹10 lakh in a savings account
• Combined monthly average balance of ₹30 lakh across savings, current and fixed deposit accounts
• Net monthly salary credit of ₹3 lakh or more in an HDFC Bank corporate salary account

Customers enrolled on or before June 30, 2025, will have the new TRV criterion applied from October 1, 2025. For those whose groups are modified post-July 1,2025, the new rules apply immediately.

What Counts Towards Total Relationship Value?

Total Relationship Value is the cumulative worth of all customer holdings and liabilities within HDFC Bank, calculated at either the individual or group level. The components include:

• Liability balances (savings, current, fixed deposits)
• Investments made through the bank, including mutual funds
• 20% value of retail loans availed
• 20% of demat account balances
• Total insurance premium paid via HDFC Bank

Read More: HDFC Bank Services to Be Unavailable During Scheduled Downtime on August 22-23, 2025!

Exclusive Services Offered to Imperia Customers

Imperia members enjoy several services free of charge that regular customers might pay for. These include inter-branch fund transfers, chequebook issuance, ECS return handling, stop-payment instructions, and retrieval of old account records. Locker rental is also waived for the first locker, with a 50% discount on a second locker per group.

HDFC Bank Share Price Performance

On August 20, 2025, HDFC Bank share price opened at ₹1,987.00 on NSE, below the previous close of ₹1,991.10. During the day, it surged to ₹1,990.00 and dipped to ₹1,979.00. The stock is trading at ₹1,985.40 as of 1:06 PM. The stock registered a marginal change of -0.29%.

Over the past week, it has moved up by 0.26%, over the past month, it has declined by 1.08%, and over the past 3 months, it has moved up by 4.82%.

Conclusion

HDFC Bank’s revised Imperia eligibility rules now offer customers a flexible TRV-based option alongside traditional balance maintenance. These changes create more opportunities for customers with diverse financial relationships to retain their premium banking status.

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