@Tejas Pandya - Bhai mujhe ye dar lagta hai kisi bahar wale ka account khole aur phir kabhi uski death ho jaaye to apne paise bhi jaa sakte hai (agar unka nominee paise return karne se mana karde).
Kuch fayde ke chakkar me sare paise na chale jaaye, isi dar ke wajeh se I'm restricting myself from expanding number of accounts.
Even in case of my Grand father's HUF, post his demise pata nahi kya complications create ho sakti hai (although uss account me saare paise meine hi daale hai).
And in the unfortunate event of something happening to us, we have make sure that our family gets back the amount from all these accounts.
I'm sure you've figured out everything but just writing down my concerns (which are applicable to me as well to some extent).