HDFC Bank’s New Imperia Rules from October 1: All You Need to Know
HDFC Bank has announced new rules for its premium banking service, the Imperia program, which will take effect from October 1, 2025. The bank has notified its customers about significant changes to eligibility requirements for joining or remaining in the Imperia program.
Who Will Be Affected?
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The new rules will apply to customers who joined the Imperia program on or before June 30, 2025, from October 1 onwards.
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Customers whose Imperia status was renewed, upgraded, or downgraded after July 1, 2025, are already under the new rules.
What Has Changed?
Total Relationship Value (TRV) Requirement:
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To become or remain an Imperia customer, you now need a TRV of ₹1 crore or more at the group level.
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TRV includes:
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Amount in savings, current, and fixed deposits.
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Mutual funds and other investments purchased via the bank.
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20% of any retail loan value.
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20% of demat holdings.
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Premiums for insurance policies purchased through HDFC Bank.
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Old Eligibility Rules Still Apply
Besides the new TRV rule, customers can still qualify for Imperia benefits based on the previous criteria, such as:
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Average quarterly balance of at least ₹15 lakh in current account.
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Average monthly balance of ₹10 lakh in savings account.
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Average monthly balance of ₹30 lakh across savings, current, and fixed deposits.
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Net monthly salary credit of ₹3 lakh or more into an HDFC Bank Corporate Salary Account.
Imperia Customer Benefits
Imperia customers enjoy many free services that are usually charged for, including:
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Free inter-branch fund transfers.
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Free stop payment instructions.
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Free cheque collection and duplicate account statements.
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Free mandate registration and old record copies.
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Free interest and balance certificates.
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Free address confirmation and signature attestation.
