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HNI means High networth Individual. HNI stands for High Networth Individuals. What Is a High-Net-Worth Individual (HNWI)?. Thus, a financial plan for HNI clients must take into account the following aspects: Returns: Many HNIs prefer to earn moderate returns at low. As per Karvy Private Wealth definition, HNI is a person with more. Read more about SBI reworks strategy for HNI customers on Business-standard.