Both are considered, their weightage can differ from one account variant to another. For example, for wealth accounts
Wealth Management services are offered to customers maintaining a Deposits and Investment Value* (DIV) of minimum Rs 50 lakh and to Wealth Salary Account holders with a minimum net salary of Rs 3 lakh per month.
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*Deposits and Investment Value includes:
- Savings Account and Current Account balances
- Fixed Deposits
- Mutual Fund holdings value
- ULIP holdings value
- 70% of Demat holdings
- 30% of Home Loan disbursed