₹ HNI Wealth Tracker
Are you a High Net Worth Individual? Track your journey to ₹2 Crore+ based on SEBI standards!
₹ Crorepati
TIME TO REACH YOUR GOAL
4.2
years
₹
Current: ₹1.50 Cr → Target: ₹5 Cr
30%
to ₹5 Cr
You're on a rocket ship! HNI status is just around the corner.
Years Remaining
4.2
Target Year
2030
Monthly to 10yr Goal
₹0
CAGR Needed
12.8%
₹ Wealth Milestones
₹ HNI Classification (SEBI)
- 💡 Affluent: ₹25 Lakh - ₹2 Crore
- 💡 HNI: ₹2 Crore - ₹25 Crore
- 💡 Ultra HNI: ₹25 Crore - ₹100 Crore
- 💡 Super Ultra: Above ₹100 Crore
📖 How to Use the HNI Wealth Tracker
- Enter Your Net Worth: Input your current total net worth in Indian Rupees. Include all your assets: savings, investments, property, stocks, and mutual funds.
- Set Monthly Investment: How much can you invest each month? This significantly impacts your journey to HNI status.
- Enter Your Age: Your current age helps calculate realistic timelines for reaching wealth milestones.
- Set Expected Returns: Choose your expected annual return rate based on your investment strategy (typically 10-14% for equity investments).
- Choose Your Target: Select your wealth goal from HNI (₹2 Cr) to Super Ultra HNI (₹100 Cr).
- View Your Journey: See how many years until you reach your target, along with milestones and progress visualization.
₹ Why Track Your HNI Journey?
The HNI Wealth Tracker helps you visualize and plan your path to High Net Worth Individual status. Here's why this matters:
Understanding SEBI's HNI Classification
As per SEBI (Securities and Exchange Board of India) guidelines, investors are classified based on their investable assets:
- Affluent: ₹25 Lakh - ₹2 Crore
- HNI (High Net Worth Individual): ₹2 Crore - ₹25 Crore
- Ultra HNI: ₹25 Crore - ₹100 Crore
- Super Ultra HNI: Above ₹100 Crore
Benefits of HNI Status
Reaching HNI status unlocks several benefits:
- Exclusive Investment Access: HNIs get priority access to IPOs, pre-IPO funding, and alternative investments
- Premium Banking Services: Priority banking, dedicated relationship managers, and preferential interest rates
- Portfolio Management Services (PMS): Access to professional portfolio management with minimum investment of ₹50 lakhs
- Alternative Investment Funds (AIFs): Participate in hedge funds, venture capital, and private equity
- Financial Independence: Greater flexibility in career choices and lifestyle decisions
The Power of Systematic Investing
Most HNIs don't become wealthy overnight. The calculator demonstrates how:
- Consistent monthly investments compound over time
- Starting early dramatically reduces the time to reach your goal
- Higher returns (through equity exposure) accelerate wealth building
- Small increases in monthly investments make big differences over decades
❓ Frequently Asked Questions
What is the minimum net worth to be considered HNI in India?
As per SEBI guidelines, you need a minimum of ₹2 Crore in investable assets to be classified as a High Net Worth Individual (HNI). This includes liquid assets like stocks, mutual funds, bonds, and cash—not just property or total assets.
How accurate is this calculator?
The calculator uses standard compound interest formulas to project future wealth. While it provides a good estimate, actual results depend on market performance, consistency of investments, and your actual returns. Use it as a planning tool, not a guarantee.
What return rate should I assume?
Historical data suggests: Bank FDs: 5-7%, Debt funds: 7-9%, Balanced funds: 10-12%, Equity mutual funds: 12-15%, Direct stocks: varies widely. For long-term planning (10+ years), 12-14% is reasonable for equity-heavy portfolios.
Should I include my house in net worth?
For HNI classification, SEBI considers "investable assets"—meaning assets you can liquidate easily. Your primary residence typically isn't counted, but investment properties can be. Include: stocks, mutual funds, bonds, FDs, gold, rental properties. Exclude: primary home, personal vehicles.
How do HNIs invest differently?
HNIs typically: (1) Access Portfolio Management Services (PMS) for personalized management, (2) Invest in Alternative Investment Funds (AIFs) for diversification, (3) Get anchor investor access to IPOs, (4) Use structured products and derivatives for sophisticated strategies, (5) Have dedicated wealth managers and family offices.
How long does it typically take to become an HNI?
With ₹1 lakh monthly SIP at 12% returns, you'd reach ₹2 Cr in about 10 years. With ₹50,000 monthly, it takes about 15 years. Starting with existing capital significantly shortens this timeline. The key is consistency and starting early.
What's the difference between HNI and UHNI?
HNI (High Net Worth Individual) has ₹2-25 Crore in investable assets. UHNI (Ultra High Net Worth Individual) has ₹25-100 Crore. Super UHNI has above ₹100 Crore. Each tier unlocks additional investment opportunities and exclusive financial products.