In investing, you’ll often hear the term HNI thrown around. But what does it really mean? Who qualifies as one? And why does it matter so much in the world of personal finance and IPOs?
Let’s break it down in a simple way.
HNI stands for High Net-Worth Individual.
It’s a term used for people who have a lot of investable money not just income, but actual liquid wealth that can be invested in different financial products. Think of it like this: If someone has crores parked across mutual funds, shares, or bonds, they’re not your average investor, that’s an HNI.
In the personal finance world, HNIs are treated differently. Why? Because their investment size, goals, and risk appetite are at another level.
They get access to more personalized services like one-on-one investment advice, early access to deals, custom portfolio strategies, and better terms on financial products. It's like having a business class ticket in the financial world.
Yes. While there’s no fixed global rule, in India, HNIs are typically people with investable assets of ₹2 crore or more. Then come ultra HNIs who may have ₹25 crore or more.
But remember, it’s not just about the money, it’s about how that money is managed, where it’s parked, and what kind of planning goes into growing and protecting it.
HNIs usually work with wealth managers or private bankers. Their portfolios include a mix of traditional and alternative investments like stocks, bonds, real estate, and even private equity. And while many investors focus on returns, HNIs focus on strategy.
In IPOs (Initial Public Offerings), if you apply for shares worth more than ₹2 lakh, you’re considered an HNI under the non-institutional category.
Unlike regular retail investors who may get shares through a lottery system, HNIs get shares based on how much they apply for. The higher the application, the better the chance of getting allotted.
That’s why many HNIs go big in IPOs, sometimes even using funding options to increase their application size.
Read more: How to Apply for an IPO Under the HNI Category? Rules and Types
Even if you’re not in the HNI category yet, it helps to adopt the mindset.
That means:
Planning long-term instead of chasing quick profits
Diversifying your portfolio
Taking advice from experts when needed
And staying patient when the market tests your nerves
At Ventura, we believe that wealth is built with time, discipline, and smart choices. And you don’t need to be an HNI to follow that path.
Being an HNI is not just about having crores to invest. It’s about understanding money better, managing it wisely, and using the right tools and guidance to grow it.
Whether you're starting out or already managing serious capital, Ventura is here to help you think long-term and invest smartly.
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