HDFC Bank customers get option for Imperia benefits

HDFC Bank has expanded the eligibility criteria for its customers who are Imperia programme members. The new criterion related to maintaining a Total Relationship Value (TRV) will come into effect on October 1, 2025, according to an e-mail HDFC Bank sent to its Imperia customers.

For customers who joined the Imperia programme on or before June 30, 2025, the revised criteria will apply from October 1, 2025.

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As per a mail from the Bank sent to its customers, customers can avail of Imperia programme benefits if they meet a specified Total Relationship Value (TRV) as a ‘Group’. However, if the Bank has upgraded or downgraded a group on or after July 1, 2025, the new eligibility rules will be applicable immediately.

New HDFC Bank criterion for Imperia customers
HDFC Bank’s new option for Imperia programme eligibility is maintenance of a Total Relationship Value (TRV) of Rs 1 crore or more with the bank at a ‘Group’ level.

Other than the new criterion, the bank says that a customer can continue enjoying Imperia privileges by meeting any one of the following criteria-

• A customer must maintain a minimum of Rs 15 lakhs average quarterly balance in his/her current account
• A customer must maintain a minimum of Rs 10 lakhs average monthly balance in the savings account
• A customer must maintain a combined average monthly balance of Rs 30 lakhs across HDFC Bank savings account, current account and fixed deposits
• A customer must maintain Rs 3 lakh or more as net monthly salary in their HDFC Bank corporate salary account

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What is TRV?
Total Relationship Value (TRV) is measured as a combined balance across accounts, investment and loans linked to a customer’s ID or over the accounts of other customers linked to the customer’s “Group”.
Total Relationship Value (TRV) is aggregated at the Customer ID or the Group ID level, including-
1) Liability relationship with HDFC Bank
2) Mutual funds & investment products value through HDFC Bank
3) 20% of retail loan outstanding value availed through HDFC Bank
4) 20% demat balance with HDFC Bank
5) Insurance premia of all policies with HDFC Bank

List of savings account services offered free of charge to HDFC Bank Imperia customers
HDFC Bank’s Imperia customers benefit from nil service charges on a wide range of banking services that typically attract fees for regular account holders.

Here are some of the savings account services offered free of charge to Imperia customers-
Savings account services
Inter-branch funds transfer
Stop payment instructions
Cheque collection
Duplicate account statements
Mandate registration
Retrieval of old records / copy of paid cheques
Issuance of Interest Certificate
Balance Certificate
Address confirmation
Signature attestation
Cheques & payment instruments
Cheques deposited but returned unpaid (since December 1, 2017)
ECS / ACH return charges
Chequebook issuance for savings account
Locker Annual Rental: Locker with a nil annual rental charge is available for the first locker and 50% discount is applied on the second locker allocated per group.