Oh, thanks for guiding. I do have Pioneer in Indusind and Imperia in HDFC and both places RM is involved and its difficult getting approval. Also now i am looking for pioneer metal heritage and still no luck. I dont have relationship worth crore but some lakhs but turnover is big.HNI stands for High Net-worth Individual, so basically HNI accounts are like IndusInd Pioneer account where you have some lakhs or crores of relationship with the bank.