High Net Worth Individuals (HNIs) are individuals with a high net worth, typically above a certain threshold, such as ₹2 crores in India. They are distinguished from other retail segments based on their net wealth, assets, and investible surplus.
Characteristics of HNIs:
1. High investible surplus: ₹2 crores or more in India.
2. Significant net worth: ₹25 lacs to ₹2 crores in India.
3. Ultra High Net Worth Individuals: net worth of $30 million or more.
Growth of HNIs in India:
1. India recorded the highest growth in Ultra High Net Worth Individuals among BRICS nations.
2. The number of Ultra HNIs in India reached 7,850.
3. India has the highest number of women millionaires, with total fortunes of $95 million.
Factors contributing to the growth of HNIs in India:
1. Positive trends in the stock market.
2. Growth in real estate.
3. Increase in gross national income.
4. Consumption and capitalization.
Wealth management services for HNIs:
1. Private banks.
2. Mutual funds.
3. Investment banks.
4. Commercial banks.
5. Insurance companies.
6. Brokerages.
Parameters for HNIs to manage their wealth portfolio:
1. Investments.
2. Capital protection.
3. Tax planning.
4. Credit planning.
5. Inheritance planning.
VK Sivakumar
Home Loan Consultant
9944066681
(Tirupur, Coimbatore, Pollachi, Udamalpet)
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