What is HNI Bookkeeping?

HNI Bookkeeping refers to specialized financial recordkeeping services designed for High Net-Worth Individuals (HNIs). Unlike traditional bookkeeping for businesses, this service focuses on managing, tracking, and organizing an individual’s personal wealth, investments, incomes, expenses, and liabilities in a systematic and confidential manner.

It helps HNIs maintain financial clarity, track net worth, prepare for tax filing, and make informed investment decisions — all while keeping sensitive financial data highly secure.

• Multiple income sources (salary, rent, dividends, capital gains, etc.)
• Real estate investments
• Stock market portfolios
• Private equity and startup holdings
• Foreign income or remittances
• Charitable donations and trusts
• Loan EMIs and insurance premiums

Standard bookkeeping doesn’t cover the intricacies that HNIs require — hence, the need for specialized services.

• Income Tracking: Salary, rent, business income, dividends, interest. Monthly and annual income summary.
• Investment Ledger Maintenance: Mutual funds, equity, bonds, FDs, PMS, and AIFs. Purchase/sale records with capital gain calculations.
• Real Estate Accounting: Rental income, property EMIs, depreciation. Asset value tracking and rental yield reporting.
• Expense Categorization: Household, travel, staff salaries, events, philanthropy. Budgeting and personal cash flow monitoring.
• Loan & Insurance Tracking: EMI schedules, outstanding loan balances. Life, term, ULIP, or general insurance premium records.
• Tax Ready Reporting: Statement of taxable income. Capital gains reports (short term & long term). Advance tax and TDS records.
• Net Worth Statement: Consolidated assets vs liabilities tracking. Annual net worth reporting with valuation estimates.

• All records are maintained with strict confidentiality.
• Reports can be generated monthly, quarterly, or annually.
• Can be integrated with personal CA, wealth manager, or family office.

Business Owners with diversified income streams
• Real Estate Investors
• Stock Market Traders or High Volume Investors
• Doctors, Architects, Consultants with high earnings
• NRIs managing Indian assets
• Individuals with multiple bank accounts and investment instruments