Do We Really Need HNI Banking Program? HDFC Imperia Axis Burgundy ICICI Wealth Indusind Pioneer 🔥🔥🔥

Friends, there are many Indian banks that offer HNI (high net worth) banking programs. A few are: HDFC Imperia, ICICI Wealth, Indusind Bank Pioneer, Axis Burgundy, IDFC First Wealth, etc. Those accounts normally have very high balance maintenance requirements. Do you really need those bank accounts? I'll try to answer this question using some practical examples.
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Doston, bohot sare indian bank HNI banking account offer karte hai, jaisa ki Axis burgundy, ICICI wealth, Indusind Pioneer, HDFC Imperia, IDFC wealth banking, etc. too kya yea share HNI banking account (high variant account) humare leya beneficial hoga? kuch practical example se samajne ki koushis karenge.
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[@SUBHANKAR22041990]

As always well explained. These names are just for ego-massage. If someone has sufficient amount of NRV, they can easily get the benefits. Savings account balance is such a loss. I would suggest if someone just want to park their money as FD, they can do it to any of these banks, and if the criteria is matching, they'd eventually be upgraded to these programs. The higher the name of the program the better the "sales representatives" (known as RMs) will be assigned to milk out money from you.

[@santhoshcs84]

Well said!!

[@AbhishekJha-vm5fu]

exactly

[@TechnoAnkitIndore]

Harsh reality of the HNI banking program, I definitely agree with all the points from my personal experience. Thanks for sharing!

[@SyconOfficialGaming]

But ICIC Wealth is different from other than that no average balance reqiured

[@vamsikrishna1736]

@@SyconOfficialGaming what if we don't maintain AMB for almost 2 or more years will it downgrade to regular savings account let me know sir

[@sachin1254]

Happy to be HDFC imperia customer from last 3 years, Locker free,regalia cc with 6.8 lakh limit,RM just 1 call away, converted wife account into imperia what more i can expect

[@TechnoAnkitIndore]

Do compare the amount you are paying directly or indirectly in the form of average quarterly balance to the bank the actual rewards or the benefits in return you are getting. Still if you are getting more in return then you should be good to continue be in the trap.

[@sachin1254]

@@TechnoAnkitIndore agree not getting good return compared to mutual fund or stock but i have kept only 2.5 to 3 lakh in my imperia account from last 3 years and luckily they have not downgraded my account...Hoping my RM not reading this comment😂😂

[@urajeya]

You could have atleast put a chart showing the minimum balance and perks of different HNI accounts

[@shreevidyashastri2287]

One trick that works to get the free locker is to get a paid locker first and then upgrade your account to a HNI account. They can’t say they don’t have a locker, coz you already got one. 😁

[@sachin1254]

Nice trick

[@swarnakamalchandra8647]

Other trick is to close all the deposit and transfer to other bank account

[@avijitmahato89]

​@@swarnakamalchandra8647 at first change your account variant to ₹25000 qab account or normal savings account otherwise they are ready to take penalty charges of non maintainance qab balance,,,

[@rudresh]

One is important factor in HNI banking is, you don't have to set foot on bank for anything Be it smallest of smallest things, like even check deposit. For older people, it is beneficial provided you track your investment well and don't let bank to do nonsensical things with your money. having experience of Private banking in icici which is their top tier offering.

[@soumadipmajumder2268]

Sir what is difference between ICICI Titanium Account and ICICI Wealth Managment Account and ICICI Wealth Select Account ? SIr please answer me !

[@vikashsaw7888]

I'm also hdfc prefferd banking user and agree with all points mentioned in this video. Once I had tried to take a loan with help of RM and he tried to sell ULIP for loan risk cover on the name Corona Pandemic and I had to buy the plan as I needed the loan urgently but Later RM couldn't help and I had to visit Branch . Now , I don't use RM service as it is useless.

[@swarnakamalchandra8647]

HDFC Bank kisi na nahi hota. Na customer ka hota, na employees ka hota, woh sirf apna profit dekhta hain.

[@tokapoisa]

In actual, RM are the salesman allotted to you for bank benefits not yours 😂

[@jonbikaku6133]

Obviously but if the bank makes money, so do you

[@Sush834]

Isiliye me pehle, normal salary account ke time locker liya uske baad Classic ka upgrade karwaya 😂, all inspired by your ideas. Thanks for dedicating your time to share all this knowledge. Best Banking KZbin channel haj aapka.

[@mizanahmedmizan6430]

I want to know does my add on card will have additional lounge access or it's same

[@hafsalarangathazhe5172]

Which one best debit cards for international airport lounge access

[@vimalbhatt3096]

Sumanta bro...apke paas sabhi HNI bank hai...to aapne sabhi bank me balance maintain krre ho kya ...5-10 lac yaa fr koi jugaadh lgaya hai aapne?

[@paulson2008]

In my opinion Indusind pioneer is better as you earn 5-6% interest rates on savings compare to others.

[@rohansmahadik]

Indusind service is bad as compared to other....

[@abkux]

Dada, Education Loan ke liya sabse sahi kaunsa bank rahega? CIBIL : 761 | already 2 credit card hai!

[@TechnoFino]

Sbi, Bob, pnb, etc

[@idamwest7814]

For Indus pioneer savings, it's mentioned as non-maintenance charges as waived off.. so does that mean we can initially fund high amount and later after about a month leave only 2-3 lac in it.. will this cause any issue and if yes then after how many days will the bank come back to us on non-maintenance of balance and would they automatically degrade us to lower variant like exclusive saving bank etc.

[@rohansmahadik]

Each bank has different different rules... REACH OUT TO CUSTOMER CARE FOR MORE INFORMATION

[@hirenbhayani8185]

Sir can you please tell me if I want to apply for Axis Bank Magnus CC and if I want it anyhow. Is it advisable to open Burgundy saving account? You answer will help many viewers..

[@sguptzz]

is there any good hni account with mab of approx 5 lakhs all I want is as low as low transaction failure,good customer service and good cc offers

[@infograph301]

This account specially designed for person who have monthly income is 20lakh and above.... For them it is affordable...

[@entertainmentadda1602]

Aap hdfc bank ka credit card ka bill kisse pay karte ho? 🤔🤔

[@rk376]

Could you make a video about all HNI banking programmes comparison? Which is best to choose

[@nidhishwarsingh7761]

Do you maintain minimum balance in all your hni accounts, it must be in crores, know that you have so many high end accounts

[@hemantchawda6447]

HDFC ko chodkar konse private bank. Me accounts khole high transaction ke liye or internet banking support to zerodha and other demat

[@ashwinimahadik3467]

Icici

[@my.orange]

*Sir,* *Group ya family group account ke ek details video kijiega.*

[@adakhochalai]

My banker offered me icici wealth account upgrade but i won't be going for it. Thnaks

[@amitabhmaheshwari]

I have ICICI wealth and HDFC Imperia. I have just one benefit- LTF ICICI Sapphiro and LTF HDFC Infinia credit cards.

[@amitabhmaheshwari]

@Rishiraj Patel Not necessarily but you can certainly take up with your RM.

[@Sufuntime]

If I open an indusind pioneer account with 10 lacs and this account doesn't have any maintenance charges after opening, can I use this as a zero balance account after opening??

[@bhagatsingh8503]

yes but not for long. after 6 months or 1 year they'll downgrade to normal savings for sure

[@roninr8199]

Hdfc classic with even 5 lakh fd you can use has zero balance account.. I think it's same with max account too around 1.5 lakh fd you can make it 0 balance.. But hdfc imperial, preferred is worst

[@Sufuntime]

@@bhagatsingh8503 brother an employee from indusind confirmed that indusind is not downgrading pioneer account from non maintaining balance

[@arindamroychowdhury7464]

For IDFC First Select Account do we really have to maintain 3 lac AMB in our savings account or we can maintain our initial 25k AMB, because customer care is saying that I can continue maintaining 25k AMB but bank employee is saying to maintain 3 lac AMB. Who is telling the truth?

[@SauravKumar-dg4fh]

Enjoying ICICI Wealth Plus Banking since 5+ years with zero average balance Got world plus debit card for all my family members with lounge access

[@SauravKumar-dg4fh]

@Netflix Entertainment No idea about hdfc preferred banking but I have mentioned all benefits of ICICI wealth plus One more thing almost every service is free as in other privilege banking

[@SauravKumar-dg4fh]

@Netflix Entertainment visit any branch and ask for wealth plus account

[@XzAnkit]

Hdfc Preffered Banking Account Mere father ka hai family Member ko Add on hi nahi kar rahe bad service hai

[@sabyasachihasan]

Is there any HNI banking where only initial high value funding would suffice & after that no minimum maintenance required?

[@TechnoFino]

sare HNI banking ka wohi hai.... zero maintenance after opening, par na maintain karne se kuch time baad bank downgrade kar sakta hai account.

[@sumitlehri5704]

@@TechnoFino agar fund fluctuate krtey rhe tab baat ban jaegi?? like 10 days rakh kr phir 3 quater ke liye nahi rakhe..

[@AmitOfficial]

Bhai don't take it another way , I am asking it you due to curosity. If itna jayda maintance karne ka hai toh aap har ek account yaani 5 wealth account me minimum balance kaise maintain kar rahe ho....?? If ek baar account upgrade ho jata hai aur utna balanace na rakhe like 1 lakh ke aas paas rotation me rakhe toh non maintenance charges katega ya account degrade h jaayega . Ya phir kaise charge lagega . Please btayiiye.

[@ashwinimahadik3467]

Really im HDFC imperia user from 5 years .bank manager didn't gave locker to me. he was demanding to take life insurance of 2lakh/annual to have a free locker

[@vamsikrishna1736]

Hi sir, i request to know this information ( icici wealth management account AMB 10 LAKHS ) what will happen when we don't maintain 10 lakhs for almost 2 years or more will it convert to regular savings account like downgrade from wealth management account please let me know this answer from you sir thank you

[@JOhnyJUnior008]

they'll convert to regular account, after like six months to one year.

[@birendrakumarchourasiya2307]

​@@JOhnyJUnior008same incident with me after one year..few days ago my icici wealth management ac downgrade to privilege with zero amb but i again request to rm they upgrade my ac into wealth ac

[@akashshetty745]

How about Axis Burgundy Salary account? Do we have to maintain minimum balance in the account?

[@sachin1254]

Dont open axis bank account they are cheaters at ebd of year they will charge huge amount in name od consolodated charges

[@BigDicTRP]

Hey do you live in bihar? Maybe this kind of corruption only exists there and in other states they actually give it to uiu

[@imranndiwan]

Simple yet thoughtful information, Dada !!

[@ganeshraja60]

What’s going on with idfc private account

[@gampi11]

Thanks !

[@sridhard1032]

Need update on Axis burgundy private and Axis burgundy private credit card..

[@143anilk]

I have Imperia Ac, I got business regalia upgrade offer but it is free for 1yr n chargeable frm nxt yr, how can I free for life time, RM said u have to spend 3 lacs per yr to free nxt year charges, it will not become life time free. How can I get it Ltf.

[@travelwithimteyaz1067]

Agar aapka business regalia credit card ko issue hone k 90days k andar smartpay k through aapka koi bill autopay pe lagatey hai toh wo card aapka lifetime free ho jaata hai

[@markings1001]

Apply add on card it will be lyf time free if you got the card after April 2022

[@143anilk]

@@markings1001 I have got offer, still I have not upgraded, first I want to confirm that it can be done ltf or not, then I will do it from net banking. R u sure it will apply this process now.?

[@travelwithimteyaz1067]

@@markings1001 haa add on card bhi Ltf rahega

[@travelwithimteyaz1067]

@@143anilk aap upgrade kar dijeye aur card jaise he receive hoga aapko aap smartpay k through apne electricity bill phone bill etc kuch bhi aap autopay mein laga dijeye toh wo life time free rahega aur autopay mein lagey he rehney dijeyega usko remove Matt kijeyega

[@jagmohansalwan5646]

Very frank and HONEST advice.

[@rohithiyer2002]

Good video but the benefits and plethora of the options with respect to the debit cards and credit cards availability from the banks who are in HNI category is the game changer as compared to standard bank accounts Like in a standard bank accounts, I dont see any banks offering VISA Infinite or Mastercard World Elite Debit / Credit card option...or metal cards that are worth the cost

[@swarnakamalchandra8647]

My bank (Deutsche Bank) offered me VISA Infinite debit card against my savings account

[@rohithiyer2002]

@@swarnakamalchandra8647 Yes Deutsche Bank has good cards especially in super premium debit segment...only thing is that they are not in metal

[@ackyash]

@@rohithiyer2002 metal cards suck , trouble using in older ATMs

[@mr.gehlot6237]

Hello sir Mene Flipkart pe mobile book kiya tha wo Automatic cancel ho gya Flipkart wale ne refund amount de diya he pr mere card me abi tak add nhi hua he mere pas Hdfc ka card he Mene customer service me Emails bhi kar diye fir bhi koi response nhi he bhai kya karu bolo 13528rs amount he 🥺🙏

[@liuminhan1999]

Makes sense! One should really weigh the pros and cons before opting for HNI banking.

[@creditcardinfointelugu2746]

i am a telugu person but i watched all the videos to gain knowledge about creditcards savings account debit cards please post the article in the twitter what u said in this video because i dont know hindi well

[@TechnoFino]

sure :)

[@piyushmallick95]

@@TechnoFino Bro, ek bochor e kto taka limit obdi rent payement korte parbo from credit card jatey tax na lagey?

[@sanamsaraff]

all the points you mentioned are pretty obvious. No HNI would worry if they get small returns on mere 10L. if i have 10 cr , i wont even care about 10L MAB or the tiny 3% interest rate. These accounts are called HNI accounts for a reason, and are for actual HNI clients, not for people who worry about MAB and other small details .

[@TechnoFino]

Yea... that's the main point of the video.... if you can maintain 10L it's good... you get lots of free benefits, but if you care about your money... then you should think... compare benefits with required minimum balance maintenance

[@atulquest93]

My HDFC imperia manager calls me twice a month to sell ULIP

[@satyakipaul3814]

Apne galat bola bhai.axis burgundy me free locker nahi hai.75 percent Tak ta discount hai sirf.

[@ravisingh2327]

Sir IDFC first bank wow credit card ka video banaeye

[@TanayVasu.]

He guys, mera Cibil score paytm me 780 show ho raha hai, or cred app me 829 which is real..?

[@am0072]

Paytm shows equifax score..cred shows experian score

[@markings1001]

Real cibil score is available on one score app wo b bilkul free

[@birendrakumarchourasiya2307]

Dono false hai actually time me asli wala tumhe subscription but krna hoga toh actual kitna cibil score hai woh pta chalega

[@MaverickMo]

Respect!!!! For speaking the truth.

[@ashwinimahadik3467]

I think is indusind exclusive account is more value for money

[@SunilChauhan-kk7hk]

Sir, please made a video on Stashfin app

[@kareemjamal1010]

Make a video one icici bank gold vs icici bank the one magnum account

[@jatinbudholiya]

ICICI Bank wealth select account dedicated video

[@aadlshaikh]

Yes please

[@souvikroy9340]

Absolutely true !

[@चाकूदेवी-तलवारवाली]

How to close bajaj finserv card. Company says they only disable my card

[@TechnoFino]

Request them to close your card via email

[@चाकूदेवी-तलवारवाली]

@@TechnoFino any email id, if you have

[@zsraptor]

Very good video

[@mishanchaudhary2215]

Program : ❌ Pogram : ✅

[@Abhishekkumar-tz1lo]

Fully agreed

[@rajgupta-kp5po]

Relationship manager is most useless concept in modern banking

[@kamarulsk382]

cash credit facility banking

[@roninr8199]

Hdfc it's worst.. My RM says she cannot do anything and asked me to try credit card upgrade by myself.. Very soon from 15 lakh account I will shift to 10k account 😂😂 Also if any bank will ask something in return to locker if you report to RBI then that person and manager would loose his job plus bank would get warning..

[@rohansmahadik]

Same bro... I'm was also using hdfc imperia account. I applied for 5lakh rs loan , i applied for credit card limit increment NO RESPONSE FROM BANK EMPLOYEE. Now , i sifted to INDUS EXCLUSIVE SAVING ACCOUNT. Features more benefits then HDFC IMPERIA in 1lakh rs account HDFC DON'T WORTH 10LAKHS maintenance account

[@parvatrading33]

Yo apne kyu itne sare account khile gai aa kya kam karte hi

[@kamarulsk382]

please video I am first comment🙂🙂🙂🙂

[@SayandeepJana]

Bhai app Normal insan to nahi ho

[@TechnoFino]

Q, hum normal insan q nahi hain 😐

[@jonbikaku6133]

Only actual HNIs can tell you the advantages of such services. None of these benefits apply to most of us because we're not HNIs. I've seen the HNI priority bank gives first hand.

[@bijaysingh4816]

U shud first know… hnwi is not for you people… why u comparing urself with hnwi or uhnwi?? U r not worth.. so relax .. and just give correct information.

[@TechnoFino]

Correct... But I just shared my experience after using Axis Burgundy, HDFC imperia, ICICI Wealth, Indusind Pioneer, Kotak Privy League, and IDFC First Wealth banking accounts from last few years.

[@bijaysingh4816]

Typical lower middle class mindset…😝😜🤪😂