High Net Worth Individual

HNI is a classification used by banks, investment firms, and financial institutions to identify individuals with substantial investable wealth.

These individuals often receive specialized financial services, such as wealth management, tax planning, and exclusive investment opportunities.

HNI Criteria (General Guidelines)

• In India: Typically ₹5 crore+ investable assets (varies by institution)
• Globally: Often $1 million+ in liquid assets

Categories of Wealth

• HNI: High Net Worth Individual
• UHNI: Ultra High Net Worth Individual (very high wealth)

Why HNI Status Matters

• Access to premium financial products
• Personalized investment advisory
• Better banking privileges

Services for HNIs

• Portfolio management services (PMS)
• Alternative investments (AIFs, private equity)
• Tax and estate planning
• Dedicated relationship managers

"An individual with ₹10 crore invested across stocks, real estate, and funds is considered an HNI."