HDFC Bank has announced changes in the rules of its premium banking service Imperia program. These new rules will start from October 1, 2025. The bank has officially informed its customers about this. The bank said that the changes are mainly about the new Total Relationship Value (TRV) requirement. The Imperia program is a premium service of the bank, where special benefits are given to select customers.

As per media reports, the new rules will apply from October 1, 2025 for customers who joined the Imperia program on or before June 30, 2025. But for customers who joined after July 1, 2025 or whose Imperia status has been upgraded, the new rules are already applicable.

Know what kind of changes have been made in the Imperia program

According to a report in Business Standard, customers will now have to keep a Total Relationship Value (TRV) of at least ₹1 crore at the group level to stay eligible for Imperia, one of HDFC Bank’s top premium services. This new rule has been added along with the old conditions.

Follow these rules to stay in Imperia

  1. You must keep a minimum average quarterly balance of ₹15 lakh in your current account.
  2. You must keep an average monthly balance of ₹10 lakh in your savings account.
  3. You must keep a combined average monthly balance of ₹30 lakh in your savings, current and fixed deposit accounts together.
  4. You must have a net monthly salary of ₹3 lakh or more credited to your HDFC Bank corporate salary account.

What is TRV?

TRV means Total Relationship Value. It includes all the money kept in the bank under your customer ID. This money can be in the form of savings account, current account, fixed deposit, outstanding loan account, or any type of investment like mutual funds.

Facilities for preferred customers

HDFC Bank gives a relationship manager to preferred customers. The manager helps in all banking services like loans, forex cards, and other bank services. Preferred customers also get special offers on forex, demat, trading, and locker facilities. They get free services like cash withdrawal from non-HDFC ATMs and balance inquiry. Along with this, the bank also gives HDFC Premium Credit Card and Preferred Platinum Debit Card to these customers.