Classic Banking Eligibility Criteria*

A minimum Average Monthly Balance of Rs. 1 Lakh in Savings Account
OR
A minimum Average Quarterly Balance of Rs. 2 Lakhs in Current Account
OR
A combined average monthly balance of Rs.5 Lakhs or more across Retail Liability Value**
OR
A Total Relationship Value (TRV)*** of Rs.10 Lakhs or more
OR
For Salaried Customer, Monthly net salary credit of Rs. 1 Lakh & above in HDFC Bank Corporate Salary Account^#

 HDFC Bank Programme Terms and conditions

• *Balance is measured as a combined balance across account/s linked to your Customer ID or over the account/s of other customers linked to your "Group" (as defined in the HDFC Bank Programme Terms and conditions).
• The tenor of the Fixed Deposits should be at least six months.
• **Retail Liability Value​​​​​​​ comprises of average quarterly balances maintained in Current accounts, average monthly balances maintained in Savings accounts and average monthly balances maintained in Fixed Deposit accounts with HDFC Back.
• #Net Salary credit criteria is considered as monthly net salary credit in HDFC Bank Corp Salary Account.
• ***Total Relationship Value (TRV) is measured as a combined balance across account/s, investment and loans linked to your Customer ID or over the account/s of other customers linked to your “Group” (as defined in the HDFC Bank Programme Terms and Conditions)

  Total Relationship Value (TRV) is aggregated at Customer ID or 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% of Demat balance​​​​​​​ with HDFC Bank 5) Insurance Premia of all policies with HDFC Bank.

  ^ Retail loan comprises of – Auto Loan (AL), Personal Loan (PL), Business Loan (BL), Education Loan (ED), Two-Wheeler Loan (TWL), Tractor Loan (TRL), Gold Loan (GL), Loan Against Property (LAP), Loan Against Shares (LAS) > 15 lakhs, Home Loan (HL), Consumer Durables (CD) & Business Assets (BA).

• The new Programme eligibility criteria is effective from 1st July 2025.
• For existing groups onboarded on or before 30th June 2025, the new eligibility criteria will come into effect from 1st October 2025.
• In case any existing group is upgraded or downgraded on or after 1st July 2025, the new eligibility criteria will be applicable immediately.