HDFC HNI Banking Doubts
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For accounts like Specialé Gold (₹1 lakh MAB) and Specialé Platinum (₹3 lakh MAB), will being in Imperia/Preferred/Classic Family mean you don't have to maintain the minimum balance required? It was odd since Classic only needs ₹1 lakh MAB and would waive balance requirements for the entire family
Also, will SCSS deposits qualify for the HNI TRV (SB+FD) limits?
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https://www.desidime.com/discussions/hdfc-hni-banking-doubts?page=1#post_9175708
Oh... >.> I assumed all banks were required to provide it.
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https://www.desidime.com/discussions/hdfc-hni-banking-doubts?page=1#post_9174819
Last when I opened Specialé Gold. my RM asked me to maintain 1L for 3 months. Not sure if account is Zero Balance or not from day 1.
but again all those programs are not really Zero Balance. Its just that bank wont have any account charges if you are part of program. if balance is not maintained then you can be downgraded to lower program
https://www.desidime.com/discussions/hdfc-hni-banking-doubts?page=1#post_9175715
I don't get how what your RM asked would change anything for you. Is that to trigger a Classic invite? Can't you just choose to join the program while opening the account?
You don't need to maintain an account balance, FDs can be used. Your family group wouldn't need even that.
You don't need to maintain an account balance, FDs can be used. Your family group wouldn't need even that.
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Hdfc Imperia is not HNI banking. It's a program run by clowns.
Also, will SCSS deposits qualify for the HNI TRV (SB+FD) limits? - No. Hdfc also doesn't provide SCSS in the first place.