I was trying to apply for this IPO via HDFC net banking. There''s a field name DP name which allows only 10 characters. My demat is with Groww and Groww''s DP name is Next Billion Private Limited and I am unable to fill in all these characters. How do I fill in the DP name then? Anyone faced this issue?
121.1. God is Great| Link| Bookmark|
November 5, 2021 2:54:37 PM
Top Contributor (300+ Posts, 200+ Likes)
Dear Aniket see you long long long time hope all is well...all Guru''s busy in Diwali for laxmi pooja hope all gain Laxmiji .All forum members missing to you very much.. I can''t write much more... remaining sentance will fulfill by KAMA SHIVA RAMA KRISNA sir by his beautiful words.. thanks you sir
Happy Diwali and Happy New Year to Chittorgarh team, Aniket Ji, all members and their families. May this Diwali bring a lot of Wealth, Prosperity & Happiness to all of us.
Aniket Sir please share your views about PB Fintech. I have applied in retail for 1 lot in 4 different family accounts. Should I approve the mandate or leave it? Please suggest your valuable opinion. Thanks in Advance.
God is Great ji, I believe that Aniket ji might have been engaged otherwise in the recent days. Or else, certain unavoidable situations might have warranted him from keeping away. We all know his great n kindhearted attitude to help the readers with valuable views, observations n suggestions. Undoubtedly, we are very fortunate to have such a precious gem because of whom we are all benefitted to a considerable extent. We are indebted to him for ever n ever n ever. In deed, all these days we have eagerly n anxiously waited for his worthy posts. For our good fortune, the brilliant one is back again. Let us pray him to continue to shower his kindness on us as being done all these days. I am sure that Aniket ji will understand our difficulty n hardship and we will not be unfortunately deprived of the advantage of his thoughtful n helpful guidance. Thank you.
“ from keeping away” may please be read as “ to keep him away”. I regret very much for the inconvenience caused. Sorry.
121.7. Aniketiaf| Link| Bookmark|
November 5, 2021 11:19:04 PM
IPO Guru (1800+ Posts, 10200+ Likes)
@ lpo HSL
You may approve the mandate but keep expectation low. Around 10% listing gain may be there. Its good for long term also but not for short to medium term. Sell on/around listing (Weather in profit or loss) May become the best strategy.
@Aniketiaf, Thanks for your views and recommendations on ''Latent view'' and ''PB'', much appreacited.
thanks
121.9. Gujju IPO| Link| Bookmark|
November 6, 2021 11:26:05 AM
Top Contributor (400+ Posts, 200+ Likes)
@Aniket Sir, Thanks for your view to all IPOs.
Happy new year to all chittorgarh family members.
121.10. lokes| Link| Bookmark|
November 6, 2021 4:44:11 PM
IPO Guru (4400+ Posts, 5100+ Likes)
@aniket sir: if possible and interested, can you also please share your views in expected ipo hni subscriptions, as per your experience. As i have seen your post that sometimes you also apply in HNI category too. Since if more experienced members will give views and discuss then it will give near to accurate idea and will help in deciding lots to apply.
And in policy bazaar, i have also expressed exactly similar views in PB forum, i feel it can give 5 to 20% gains on listing day or in 2-3 days and better to sell instead of holding for short term.
With current grey market, it is expected that HNI subscription will be at least 220X if no unexpected negative surprise happen in world markets and rest of corporate results do not disappoint the Indian market too much
Pls understand it is just an expectation and act accordingly
121.12. lokes| Link| Bookmark|
November 7, 2021 1:52:19 AM
IPO Guru (4400+ Posts, 5100+ Likes)
@ipo mitr : As you said in your last line: "Pls understand it is just an expectation and act accordingly"
Don''t worry :) i know about estimates and i am applying in hni from long time, hope you have seen my posts in other ipo''s. I was just asking aniket to give his estimates for hni subscriptions also if possible, as per his experience since more opinions are always better to decide. Welcome your estimates also.
121.13. lokes| Link| Bookmark|
November 7, 2021 11:58:40 AM
IPO Guru (4400+ Posts, 5100+ Likes)
Ya we will not be knowing strategy of large operators, bigger HNI''s , we can just guess as per our thinking and decide accordingly. And for sigachi, main reason for less subscription was nykaa ipo is too good and that took most of the amount, since as per returns on investment, nykaa was expected to do better than sigachi.
In the current IPO environment, expected HNI subscription has no relevance and that is why most of regular members posting "Market expectation of HNI subscription" have been shying away from posting expectation.
IPO dynamics has changed with flood of IPOs, varying % of shares allocation under different categories (QIBs, HNIs, retail etc) and ever dynamic game of large operators and media companies.
e.g. Despite being only 21% allocation to HNIs in Sigachi, HNI subscription did not cross even 200x when expectation was for 300x+.
As we plan our HNI strategy on Chittorgarh forum, large operators are also continuously adapting their strategy in closed rooms and we should remember their fund size is much more larger than the HNIs in Chittorgarh forum.
It is great to have more and more opinion on "Expected HNI subscription" but collective market is "SUPREME" and it will continue to surprise us. Question we should be asking ourselves ......ARE WE READY FOR THOSE SURPRISES?
Aniketiaf sir I purchased 1000 sh kelkar @ 151.5 and 300 Akshar chem @ 456 from your Muhurat day buying recommendation to render in buyback. Today sold 600 Sh kelkar @ 180. Now its @ 175. Should I buyback it at present rate because toady is last day for eligibility for buyback. Or should I sold all and book profit of 25000. Please guide sir.
121.17. Aniketiaf| Link| Bookmark|
November 9, 2021 1:41:46 PM
IPO Guru (1800+ Posts, 10200+ Likes)
Best wishes ji Even i have sold 4000 shares @ 183 out of my 5000 qty purchased to tender in Buyback after reading your post. Left 1000 shares i will sell around 200.
Thanks.
121.18. Aniketiaf| Link| Bookmark|
November 9, 2021 2:59:55 PM
IPO Guru (1800+ Posts, 10200+ Likes)
My fastest six digits profit( already booked) in the name of Buyback within a week. Thanks.
121.19. JIgar A| Link| Bookmark|
November 9, 2021 4:07:27 PM
Top Contributor (400+ Posts, 300+ Likes)
Thank u very much Aniketiaf sir & Kamma sir, For your valuable guidance under Buyback. First time I enter in eclerx buyback & made small profit. I request you to Both of you for keep guiding under buyback & IPO. Whenever you have some update/call plz share with us. Thanks a lot
Aniket sir I cannot control my greed and sold left 400 shares at 183.7 on up circuit. Total profit booked 28000+ But bought some more qty of Akshar chemical and nucleus soft. Thank u very much sir for your timely suggestions.
Good evening sir. I was allocated 50000 each in Sh kelkar, Akshar chm, Motilal osw and Mps ltd after your valuable recommendation. Despite a big rally in Motilal osw and SHK, today I haven''t sold any and will apply in buyback. Leftover share i hold atleast one year. Today money against my Eclerx buyback accepted share is credited in my account. Around 39% of my share accepted. Gained a very good profit. Can I add some more qty of nucleus, mps, akshar or even sh kelkar at around 185 to participate in Buyback. Kindly advice sir.
Anurup ji, I think today was last day to purchase and become eligible for buyback in sh kelkar & akshar
121.23. lokes| Link| Bookmark|
November 9, 2021 7:45:20 PM
IPO Guru (4400+ Posts, 5100+ Likes)
12th is the record date for both sh Kelkar and Akshar, and so tomorrow is last date to buy with buyback eligibility. Today block deal happened in sh Kelkar and prominent investor Blackstone exited his complete 10% stake and some other big player bought around 173...so tomorrow it will be interesting to see how share price will move. Today it locked in UC after deal.
As per my observation I will not be applied more than 200 times in HNI Category even on flop show of Paytm and saphire both is going on
121.25. Aniketiaf| Link| Bookmark|
November 9, 2021 8:52:23 PM
IPO Guru (1800+ Posts, 10200+ Likes)
Anurup ji, Congratulations to you for your profit in ECLERX. Even my 40 shares is also accepted out of 98. A profitable venture for all. Some more qty of Akshar chem can also be added on tomorrow only to tender in Buyback. As buyback size is very small (around 2%) hence not expect more regarding AR but as company is good and good arbitrage from cmp is still there towards buyback hence May be considered. Nucleus May also be added.
I missed all the gems Aniket sir distributed on Diwali. It was really Diwali dhamaka. Pray that I not miss such message in future. Was too distracted with long WFH schedule. In 6 days 6 ka 7, paid suggest also fail to give such great tip. Congratulations to member joined the party. Secondary market sada bahar hai, IPO to kabhi kabhar hai!!!
Not sure any tool there at chittorgarh.com to get top notch buyback/IPO update via newsletter.
121.27. Aniketiaf| Link| Bookmark|
November 10, 2021 8:51:42 AM
IPO Guru (1800+ Posts, 10200+ Likes)
@ ColdBurger, @ anurup, @ Best wishes
Sold leftover Sh kelkar @ 200. A better than expected profit to me and for others also. Now added some more qty of Akshar, Nuclues & Mps to tender in buyback .
Thanks.
121.28. lokes| Link| Bookmark|
November 10, 2021 11:39:24 AM
IPO Guru (4400+ Posts, 5100+ Likes)
@Aniket: you mentioned above for eclerx: "Even my 40 shares is also accepted out of 98" How is that possible in eclerx buyback ? 40 shares can never be accepted from 98 shares tender in eclerx. Whoever has some knowledge on buyback knows why this is wrong statement. You also knows that if you calculate again.
And congrats for your profits.....you invested around 7.5 lakh in single share, that''s great.
Aniket sir Among sh kelkar, akshara n mps which buyback is best as per you?
121.30. Aniketiaf| Link| Bookmark|
November 10, 2021 1:44:18 PM
IPO Guru (1800+ Posts, 10200+ Likes)
@ lokes, As you mentioned-
"40 shares can never be accepted from 98 shares tender in eclerx. Whoever has some knowledge on buyback knows why this is wrong statement....."
You are almost absolutely right but unfortunately I have six demet accounts in the name of my family members. On record date holding qty and share accepted are as follows- Ac 1. 75 (29) Ac 2. 08 (03) Ac 3. 08 (03) Ac 4. 03 (02) Ac 5. 03 (02) Ac 1. 01 (01) Total 98 (40)
I assume, I have cleared your doubt.
Thanks.
121.31. lokes| Link| Bookmark|
November 10, 2021 1:52:46 PM
IPO Guru (4400+ Posts, 5100+ Likes)
@aniket: hmm i already knew only this is the possibility for that statement to be correct, combining Multiple demat accounts data in one line info. Else from one account, you know that is not possible (may be many here dont know why that is not possible) and since that single line was misleading so i wanted to verify once that it''s the same case which i am thinking. And ya i know you have multiple demat accounts as you keep mentioning in your posts :) Similarly i think you have bought sh kelkar shares from multiple demat accounts to be under retail category instead of buying all that big account in one account.
121.32. JIgar A| Link| Bookmark|
November 10, 2021 2:10:09 PM
Top Contributor (400+ Posts, 300+ Likes)
@Aniketiaf sir, Kya knowledge he apki!!! Aap jo bhi ipo apply krte he wo gains dete hi he. Aap jo bhi share buy krvate he wo bhi chalta he. Buyback me to javab nahi apka. Bs ese hi information dete rahi ye. Agar apki koi paid services chalti he to bataye? Mujhe join hona he. Apse personal contact kese kar skte he? Plz sir bataiye? Aap yaha par bhi call dete rahiye sir plz.. 🙏🙏🙏
121.33. P Patel| Link| Bookmark|
November 10, 2021 2:17:52 PM
IPO Mentor (900+ Posts, 900+ Likes)
@lokes - Thanks for not discussing Buyback on this IPO page.. 🙏🙏🙏🙏
121.34. Aniketiaf| Link| Bookmark|
November 10, 2021 2:52:26 PM
IPO Guru (1800+ Posts, 10200+ Likes)
@ lokes, As you mentioned -
"Similarly i think you have bought sh kelkar shares from multiple demat accounts to be under retail category......"
Now you are absolutely correct.
@ JIgar A ,
Like many others, you are also overestimating me.
@ shivani ji
Replied at Nykaa page.
Thanks.
121.35. lokes| Link| Bookmark|
November 10, 2021 2:52:48 PM
IPO Guru (4400+ Posts, 5100+ Likes)
@P Patel: I know about your sarcastic comment ;) :) But if u have seen i just posted one post here regarding record date and share price surge clarification. Remaining posts are not mine. And other than this post, if you go to buyback pages, you will see many more posts from me. And as in paytm page i mentioned, first let @admin has to decide about buyback message posting etc , since now it is divided at both places. KSRK sir and many others are posting on buyback pages and aniket sir and many others posting here also. So i have left upto @admin, means no issues for me if people posting here or there. Let admin only decide. Admin already implementing "track replies" features in buyback message so that we can get mail alerts for our posts like in ipo''s. And in future also, if admin has no issues in restricting buyback related posts then i will also not worry at all and i will also post here sometimes and at buyback pages also, to help people.
As long as its no spam, there is no harm in discussing Buyback in this page that too if the complete discussion happened in single thread. Many noobs like us were learning from these posts be it about IPO''s or buybacks.
121.38. JIgar A| Link| Bookmark|
November 10, 2021 4:24:17 PM
Top Contributor (400+ Posts, 300+ Likes)
@Aniketiaf sir, No sir, I dont underestimate u
121.39. JIgar A| Link| Bookmark|
November 10, 2021 4:25:37 PM
Top Contributor (400+ Posts, 300+ Likes)
@Aniketiaf sir, No sir, I dont underestimate u like many others. U deserve it. Ya apko achha nahi lgta koi apki tarif kre, bt jo sach tha vahi kaha mene. Thank u very much
@ lokes Ye v khoob rahi sir jee, jinse (aniketif) aap ne Buyback ka A,B,C,D seekha aub unhi ko aap ab wrong/right sikha rahe ho. (Whoever has some knowledge on buyback knows why this is wrong statement.)
Bahut badhiya sir jee 👏👏👏
121.41. lokes| Link| Bookmark|
November 10, 2021 5:40:06 PM
IPO Guru (4400+ Posts, 5100+ Likes)
@market first: i knew someone will definitely come and start such argument on my post, infact i was thinking many why no one came till now :) And for your information, i am applying in buybacks for more than 5-6 years and i know very well about them, so don''t write anything when you don''t know. And that single line statement was wrong (obviously unless mentioned, it will be thought from single account only) and already aniket has clarified same thing which i was thinking, that he sum up from multiple accounts. For one demat, that is impossible, even aniket knows that, may be you are not aware why that is impossible. Leave it.
Market first ji, Ye asar hai tag ka, dinbhar ulte seedhe 20/25 post kar do, hafte bhar mai Ipo mentor ya Ipo guru ban jao, phir Hawa mai udne lago. Samne wale ko galat sabit karne k liye kuch v Kutark karte raho jaise Mai 6 saal se buyback...., 10 saal se Ipo....
Besharmi ki had dekho, Aniketiaf sir ko galat sabit karna hi hai to " single line statement was wrong" Pakad k baithe hain. Khud ko samaj hai nahi isliye samne wala galat hai. Ati sundar.
121.43. lokes| Link| Bookmark|
November 10, 2021 6:21:04 PM
IPO Guru (4400+ Posts, 5100+ Likes)
@best wishes: aapka hi intezar tha bas. koi kuch sabit nhi kar rha, clarification tha which aniket gave and anyone if read that line, what it will be assumed, anyone knows if aniket also knows. And everyone knows about my posts, dont need any certification from you :) ulta sedha kon likhta hai and kon post kar rha hai sabko dikh rhi hai tumari language, abhi bhi pehle bhi. And dont worry, from all of you people such negative/attacking posts, i am not going anywhere :) Lage raho. btw as per your last word, language used in your post also : Ati sundar.
I used Google translator to translate in hindi- " single line statement was wrong"
Got the translated form as - "नाच ना जाने आगन टेढ़ा "
121.46. lokes| Link| Bookmark|
November 11, 2021 9:09:33 AM
IPO Guru (4400+ Posts, 5100+ Likes)
you keep doing your disco dance :) jo puchna tha wo puch lia jisne batana tha wo bata dia tum aese hi beech mai bakwas karte raho, kisi ko koi fark nhi padne wala, pehle bhi bola mai -> Lage raho
Aniketji and all super experts, little help here. Is it better to have have two HNI applications (have two family demat accounts) under 20Lacs? Since if all (over 40 Lacs) applied under one account, IT will (surely?) raise query?
Please can anyone help me on this? 1. I got no allotment for Nykaa but my money still blocked with sbi upi. 2. I got allotment for policybazzar but my payment shows failed with sbi upi.. Sorry for posting other ipo related queries on this forum.
Please help. While apply HNI category what option has to be selected in idfc first bank through ipo asba. Pls help. Appreciate your help
118.1. lokes| Link| Bookmark|
November 11, 2021 12:29:27 PM
IPO Guru (4400+ Posts, 5100+ Likes)
@Y: you need to choose individuals category which comes by default and then remove cut off price tick mark in first bid and then enter shares quantity which you need to apply at higher price band means 197.
117.3. Lokesh Chiru| Link| Bookmark|
November 11, 2021 2:49:09 PM
Top Contributor (400+ Posts, 300+ Likes)
You need to apply for 75 lakhs for 1 confirmed allotment provided if it is subscribed less than 500 times in HNI category. For 600 times subscription it is close to 90 lakhs.
Waiting for refund from Sigachi (got mail today morning, but lien not removed as yet) to apply for Latent View. Should I apply for Latent View as a retail investor for 1 lot or as HNI for 14 lots (no more funds as of now) considering that it will be a lottery system for both types? Suggestions please.
You will have 300/500 = 60% chance of 1 lot allotment.
113.2. lokes| Link| Bookmark|
November 11, 2021 12:26:12 PM
IPO Guru (4400+ Posts, 5100+ Likes)
@badluck: Avenue is right and you can check below link to understand more : https://www.chittorgarh.com/article/hni-ipo-application-guide-nii-allotment-benefits/532/
Can anyone help me if I want to apply from IDFC Bank "ASBA" in HNI category. Which option I need to select ? I can see below options.
• Bodies Corporate • Bank & Financial Institutions • All entities other than QIBs, Bodies Corporate and Individuals • Other QIBs
111.1. lokes| Link| Bookmark|
November 11, 2021 12:31:12 PM
IPO Guru (4400+ Posts, 5100+ Likes)
@Hindtrader : you need to choose individuals category which comes by default and then remove cut off price tick mark in first bid and then enter shares quantity which you need to apply at higher price band means 197.
109.1. lokes| Link| Bookmark|
November 10, 2021 5:24:57 PM
IPO Guru (4400+ Posts, 5100+ Likes)
as per my opinion, you can go exactly with 30 lots in sapphire and 200 lots in latent. Most probably you will be allotted in both if luck favours you little bit. No need to wait for tarsons. Sapphire 30 lots u can apply in tarsons.
@Akhil ji / @ lokes ji I never applied HNI quota, can you pls reply 1. howmany lots i need to apply if HNI subscription crossed for example 100x 2. what is the strategy to get atleast 1 lot ?
109.3. lokes| Link| Bookmark|
November 10, 2021 5:58:32 PM
IPO Guru (4400+ Posts, 5100+ Likes)
@intel: Please go through below link. you will understand everything. https://www.chittorgarh.com/article/hni-ipo-application-guide-nii-allotment-benefits/532/
Also keep following/reading all hni related discussions on various ipo pages here to get an idea and understanding.
109.4. G J 😃| Link| Bookmark|
November 10, 2021 6:00:28 PM
IPO Mentor (1600+ Posts, 400+ Likes)
@Intel,
Can help you with 2nd question. 2. Let say HNI subscription is Nx then apply for N+1 lots for guaranteed 1 lot.
Take help from these 2 links, a. Theory: https://www.chittorgarh.com/article/hni-ipo-application-guide-nii-allotment-benefits/532/
b. Practical: https://www.chittorgarh.com/ipo-hni-funding-cost-calculator/latent-view-analytics-ipo/1178/ Go to this section, "Latent View Analytics IPO HNI Allotment Calculator"
@akhil .. it depends on wat kind of player u r.. if u r risky trader than u can go for sapphire where result can b 5%loss v/s 10% profit.. if u want to play a lottery than u can take a ticket of latent.. ur money will b double.. although chances r almost 50% to get a single lot of latent.. and if u want to play sensible than go for tarson wd 230 lots ..it has 20% gmp at present.. and u will comfortably make some money in ur pocket at the end of day.. Hope this will help u..
If Sapphire also gets a lacklustre response in the HNI category tomorrow, then Latent will be 500x+ for sure. Funded HNIs will apply in FF.
Will have to consider Tarsons application also then. If Star Health also gets announced and clashes with Tarsons refund, that would be another twist.
Let''s see how Sapphire fares tomorrow.
109.7. lokes| Link| Bookmark|
November 10, 2021 9:53:54 PM
IPO Guru (4400+ Posts, 5100+ Likes)
@M.K : probably sapphire will also have lesser subscription than expected. I assume only approx 20 to 30X in HNI in sapphire or even lesser may be.
@akhil: when i replied in evening, then tarson grey market was not started. Now tarson price band and grey market ttrades started and its having good gmp of around 25% so as noorul suggested you can either go for tarson also to invest your hni money as per current gmp, else go with latent, don''t go with sapphire i feel, it may not give good gains and may go down after listing.
109.8. M.K.| Link| Bookmark|
November 11, 2021 12:48:59 AM
(300+ Posts, 200+ Likes)
@lokes
Noted... Will take a call tomorrow at 2.30 pm on what needs to be done with Sapphire.
108. ColdBurger| Link| Bookmark|
November 11, 2021 10:53:23 AM
IPO Mentor (1300+ Posts, 400+ Likes)
What is expected HNI x factor? Any chance of it remaining around 150x? I got a feeling of 500x NII and 100x RII but seems HNI group is waiting for final hours to decide strategy so delay in applying.
108.1. SamJos| Link| Bookmark|
November 11, 2021 11:52:29 AM
Top Contributor (500+ Posts, 100+ Likes)
HNI figures usually spike on last day of application (why to increase HNI cost by applying on 1st or 2nd day & pay interest for more days), usually after 1 or 2 pm, so as to observe overall HNI interest & then decide own strategy.
IPO Open : November 17, 2021 IPO Close : November 22, 2021 Basis of Allotment : November 25, 2021 Initiation of Refunds: November 26, 2021 Credit of Shares : November 29, 2021 IPO Listing Date : November 30, 2021
shares will be credited in the demat account you have registered in ASBA
104. sbipo| Link| Bookmark|
November 11, 2021 6:56:52 AM
Top Contributor (400+ Posts, 100+ Likes)
@lokes, Boss,Im confused weather to apply in Sapphire or Latent,I have only 100 lot capacity and want to apply in HNI,retail application in Latent is futile as retail to be subscribed more than 100× probably,and HNI more than 500×,but Latent is fantastic company,Sapphire is total ofs with higher valuation than Devyani,also HNI probably less than 30× in Sapphire,so in HNI Sapphire sure shot allotment but risky if QIB less than 25×,and premium less than 10% also,but Latent hard to get allotment in HNI as well as retail.
104.1. lokes| Link| Bookmark|
November 11, 2021 9:19:03 AM
IPO Guru (4400+ Posts, 5100+ Likes)
@sbibo: if u can apply with 100 lots only then better to apply all in sapphire if sapphire HNI/QIB crosses 10X by 2pm and then get out on listing with whatever small profit on all allotted lots and then use the unblocked money to apply in tarsons, there also you will get allotment probably and profit too. This way u can earn in both. But if sapphire doesnt crosses 10X even by 2 or 2.30pm then its risky then better to go with all money in tarson only.
In latent, ya i know it will give good return but your chances for allotment with 100 lots will be around 1 out of 3 or upto 1 out of 4 so you may get zero returns on your complete investment since latent money cant be used in tarsons so thats like lottery either nothing or a lot of profit. you can go for this only if you feel you are lucky :)
104.2. sbipo| Link| Bookmark|
November 11, 2021 9:41:22 AM
Top Contributor (400+ Posts, 100+ Likes)
@Aniketiaf ji and other experts, pls help. Have two (family demat) accounts. What is a better strategy? Is it better to apply for both under HNI with cap of 20L each OR apply under full force under one account. I ask this since i read that applications above 20Lacs, are invariably scrutinized by IT for source. Thanks in advance.
103.1. M.K.| Link| Bookmark|
November 11, 2021 10:35:17 AM
(300+ Posts, 200+ Likes)
Apply FF from 1 account and retail from the 2nd.
Worry about I.T. Dept only if u don''t file returns 😉
103.2. lokes| Link| Bookmark|
November 11, 2021 10:56:21 AM
IPO Guru (4400+ Posts, 5100+ Likes)
@pilgrim: Definitely do as M.K said. Apply from 1 account only with all amount in HNI and retail from second account.