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Looking for HNI Banking Programs That Allow Grouping of Personal & Business Accounts

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SilentVoyager

SilentVoyager

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Hey everyone,

I’m currently looking for an HNI (High Net-worth Individual) banking program where I can group my personal savings account, business current account, and my family members' savings accounts under a single relationship to maintain a cumulative TRV (Total Relationship Value).

My Current Setup – HDFC Imperia​

Right now, I’m using HDFC Imperia, where I’ve kept an FD of ₹30 lakhs and have grouped 3 current accounts and 4 savings accounts together. Some key benefits:

✅ Zero MAB (Monthly Average Balance) requirement across all linked accounts
✅ Imperia benefits across personal, family, and business accounts
✅ Max-Advantage Current Account (normally requires ₹5L AQB) functions as a zero-balance account for me with no maintenance charges
✅ Free IMPS & most banking services, plus high cash deposit limits at branches

So far, HDFC’s grouping benefits have been great for me.


ICICI Wealth Program – Confusion & Lack of Transparency​

I recently explored ICICI Wealth because, as per their website, they consider both savings and current accounts when calculating TRV. However, when I visited a branch, they told me personal and business accounts cannot be grouped together.

Here’s where things get confusing:

📌 Their official grouping form clearly states that the current account of the primary group owner can be clubbed.
📌 But the branch staff kept denying it and refused to give me email confirmation.
📌 ICICI has also launched Business Banking 360 & Family Banking 360, both of which claim to allow savings and current account grouping—but again, branch staff refused it.

The inconsistency between their website and branch responses is frustrating. When I brought up the RBI Ombudsman, they suddenly asked me to fill out the form and said they would "try" processing it. Shady, right?


IndusInd Bank – More Transparent​

I also checked IndusInd Bank, and they were much clearer. They allow grouping of personal and business accounts under their Exclusive, Grande, and Pioneer HNI programs without any hidden conditions.


Looking for Recommendations from Business Owners​

I want an HNI banking program that allows me to:

✔️ Group personal, family, and business accounts under a single relationship
✔️ Maintain zero balance across accounts (I can keep a higher FD, but I don’t want to lock ₹20-30L in a savings or current account)


Does anyone here use an HNI program that allows this kind of grouping?
Would love to hear your experiences and recommendations!
 
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I can 100% agree to one thing in your post - Confusion & Lack of Transparency and inconsistency is what typical ICICI is.
You visit 10 branches and you will hear 10 different things, eligibility and requirements. Branch staff are horrible and least knowledgable.
They don't know what they are doing. It is like trial and error. We will be lucky if we get a good branch and good RM. Till then the search continues.
 
cardio_guy said:
I can 100% agree to one thing in your post - Confusion & Lack of Transparency and inconsistency is what typical ICICI is.
You visit 10 branches and you will hear 10 different things, eligibility and requirements. Branch staff are horrible and least knowledgable.
They don't know what they are doing. It is like trial and error. We will be lucky if we get a good branch and good RM. Till then the search continues.
Click to expand...
Being with so many Pvt Banks, for your Salary Account, whom did you find, more transparent, ethical and consistent/sustainable both in terms of branch people word and information available on their website.
 
SilentVoyager said:
Hey everyone,

I’m currently looking for an HNI (High Net-worth Individual) banking program where I can group my personal savings account, business current account, and my family members' savings accounts under a single relationship to maintain a cumulative TRV (Total Relationship Value).

My Current Setup – HDFC Imperia​

Right now, I’m using HDFC Imperia, where I’ve kept an FD of ₹30 lakhs and have grouped 3 current accounts and 4 savings accounts together. Some key benefits:

✅ Zero MAB (Monthly Average Balance) requirement across all linked accounts
✅ Imperia benefits across personal, family, and business accounts
✅ Max-Advantage Current Account (normally requires ₹5L AQB) functions as a zero-balance account for me with no maintenance charges
✅ Free IMPS & most banking services, plus high cash deposit limits at branches

So far, HDFC’s grouping benefits have been great for me.


ICICI Wealth Program – Confusion & Lack of Transparency​

I recently explored ICICI Wealth because, as per their website, they consider both savings and current accounts when calculating TRV. However, when I visited a branch, they told me personal and business accounts cannot be grouped together.

Here’s where things get confusing:

📌 Their official grouping form clearly states that the current account of the primary group owner can be clubbed.
📌 But the branch staff kept denying it and refused to give me email confirmation.
📌 ICICI has also launched Business Banking 360 & Family Banking 360, both of which claim to allow savings and current account grouping—but again, branch staff refused it.

The inconsistency between their website and branch responses is frustrating. When I brought up the RBI Ombudsman, they suddenly asked me to fill out the form and said they would "try" processing it. Shady, right?


IndusInd Bank – More Transparent​

I also checked IndusInd Bank, and they were much clearer. They allow grouping of personal and business accounts under their Exclusive, Grande, and Pioneer HNI programs without any hidden conditions.


Looking for Recommendations from Business Owners​

I want an HNI banking program that allows me to:

✔️ Group personal, family, and business accounts under a single relationship
✔️ Maintain zero balance across accounts (I can keep a higher FD, but I don’t want to lock ₹20-30L in a savings or current account)


Does anyone here use an HNI program that allows this kind of grouping?
Would love to hear your experiences and recommendations!
Click to expand...
well, We r on the same boat but the difference is I am looking only for savings account

Coming to ur Ques...
I feel HDFC is more suitable for your needs and as per my experience better to avoid IndusInd and ICICI for this
HDFC works fine for me most of the time without any issue for both savings and current accounts

I'd suggest sticking with HDFC for now unless a better product launches in the future. If you really need to switch or expand, you can consider IDFC or SBI Wealth

IDFC is new and SBI needs 50L TRV AFAIK
 
cardio_guy said:
Another question - If HDFC Imperia is good enough, why are you looking for another bank?
Try upgrading to HDFC Infinity program. It will be better than Imperia.
Click to expand...
HDFC is indeed very good, and I do not plan to leave it anytime soon. Basically I need a secondary current account for cash flow management for different purposes. Also if I ever face issue with one bank, it's better to have something as a backup.
 
Fini7777 said:
well, We r on the same boat but the difference is I am looking only for savings account

Coming to ur Ques...
I feel HDFC is more suitable for your needs and as per my experience better to avoid IndusInd and ICICI for this
HDFC works fine for me most of the time without any issue for both savings and current accounts

I'd suggest sticking with HDFC for now unless a better product launches in the future. If you really need to switch or expand, you can consider IDFC or SBI Wealth

IDFC is new and SBI needs 50L TRV AFAIK
Click to expand...
Yes, I will definitely stick with HDFC as the primary bank a/c. However I do need a seconday a/c with a bank which has transparency and good services ofcourse. Actually ICICI has a very good tech stack (their Instabiz app and connected banking service is top notch) that's why I am bit inclined towards them. But they lack in terms of transparency. Branch people or even customer care don't know anything properly. I am now considering Axis burgundy or SBI Wealth. Since I can keep funds in FD, all i need is zero MAB accounts with premium features. I wouldn't trust Indusind bank ever again, their products are good but customer support is trash.
 
hender said:
Being with so many Pvt Banks, for your Salary Account, whom did you find, more transparent, ethical and consistent/sustainable both in terms of branch people word and information available on their website.
Click to expand...
I'd keep HDFC Bank #1 in terms of customer support, transparency, knowledge of RM and bank staff. However they need to improve their digital banking channels. Their mobile app and internet banking is not that good, even SBI has a better mobile app. But their product offerings are very good in terms of features and benefits. I have tried Axis, Indusind, ICICI - they lack in terms of transparency and only interested to upsell useless things, their branch people are clueless about their own product offerings. I do also have good experience with SBI branch staffs, but they have tech related issues - UPI server down etc. That's why it's hard to consider SBI for primary banking needs as per my opinion.
 
hender said:
Being with so many Pvt Banks, for your Salary Account, whom did you find, more transparent, ethical and consistent/sustainable both in terms of branch people word and information available on their website.
Click to expand...
From what I have experienced, Of course Citi was the best, but no use of crying over the spilled milk.

Next is HDFC. They say upfront what they are. Even if it is shit, they tell it.
Next is ICICI. Only thing is branch staff will kill you if you talk to them.
I was thinking HSBC is at least honest and straightforward. But they are also inconsistent.
Axis circus everyone knows.

In PSUs SBI is the best. Personal savings or salary - very decent.
PNB is confusing.
 
SilentVoyager said:
I'd keep HDFC Bank #1 in terms of customer support, transparency, knowledge of RM and bank staff. However they need to improve their digital banking channels. Their mobile app and internet banking is not that good, even SBI has a better mobile app. But their product offerings are very good in terms of features and benefits. I have tried Axis, Indusind, ICICI - they lack in terms of transparency and only interested to upsell useless things, their branch people are clueless about their own product offerings. I do also have good experience with SBI branch staffs, but they have tech related issues - UPI server down etc. That's why it's hard to consider SBI for primary banking needs as per my opinion.
Click to expand...
100% on spot. Exactly aligns to my and many others experiences.
 
hender said:
Being with so many Pvt Banks, for your Salary Account, whom did you find, more transparent, ethical and consistent/sustainable both in terms of branch people word and information available on their website.
Click to expand...

Citibank was unlike any other. HDFC Bank has been very good for what it is. I rarely, if ever, do branch banking or transact in cash. The only exception is real estate transactions where cash is involved, for which I’ve used IDFC Bank.

People will always lie, especially when they’re there to sell something. HDFC Bank’s systems have been solid in that regard. It depends on how your account was set up—with the proper code that affects pricing. I’ve never paid a fee for a debit card in about 15 years now.

My oldest accounts (at least 20 years old) are with Central Bank of India, but the staff are horrible to deal with. I also have a demat account with them.

IDFC Bank was good, but IDFC First and its systems are a whole other shitshow.
 
Last edited:
Axis Burgundy should work for your requirements. Same FD of 30 lakhs in primary account can give you all the other features.

From my experience, Axis Bank gives great service to its Burgundy customers, we have been their Burgundy customers since 7-8 years now. Also, in general Axis Bank services are really good in my experience. People here have been frustrated by their frequent changes in credit card rewards systems, but that is only because Axis refuse to be abused by some miscreants.

Anyway, with respect to banking, Axis Bank is good. HDFC Bank is also quite good itself.
 
sid16 said:
Axis Burgundy should work for your requirements. Same FD of 30 lakhs in primary account can give you all the other features.

From my experience, Axis Bank gives great service to its Burgundy customers, we have been their Burgundy customers since 7-8 years now. Also, in general Axis Bank services are really good in my experience. People here have been frustrated by their frequent changes in credit card rewards systems, but that is only because Axis refuse to be abused by some miscreants.

Anyway, with respect to banking, Axis Bank is good. HDFC Bank is also quite good itself.
Click to expand...

Yes, but I had a discussion with Axis bank BM, he told me that only one entity current account ID can be goruped together with family banking. So Keeping 30L FD just for NMC waiver doesn't sound beneficial.
 
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