Here’s a concise, practical overview of digital wealth‑management options for affluent (mass‑affluent, HNI and UHNI) clients in India, plus what to look for and next steps.

1. Provider types and examples

• Private banks / private‑bank digital platforms — full private banking, RM + digital tools (accounting, estate, lending, offshore access). Examples: HDFC Private / Imperia with the SmartWealth digital offering; Kotak Private / Solitaire family offering. (hdfcbank.com, timesofindia.indiatimes.com)
• Large wealth managers & advisory houses — multi‑asset advice, PMS/AIFs, family‑office services and client apps: Avendus, 360 ONE (formerly IIFL Wealth / 360 ONE WAM). These firms have invested in client apps, analytics and alternative‑asset access. (hubbis.com, en.wikipedia.org)
• Wealth‑tech / advice platforms (robo + advisor + curated portfolios) — goal‑based advice, curated baskets and simpler onboarding: Cube Wealth, Smallcase (platform for advisor/manager portfolios), Scripbox, Kuvera, ET Money, etc. Many are used by younger mass‑affluent clients and also by advisors who serve HNIs. (bankoncube.com, mymoneysage.smallcase.com)
• Specialist family‑office / bespoke platforms — bespoke multi‑jurisdictional planning, succession, private investments, custody and lending. Large wealth houses and family‑office boutiques (Avendus, select private banks) provide these digitally supplemented services. (hubbis.com)

2. Services affluent clients expect from a “digital” wealth platform

• Seamless digital onboarding and secure e‑sign/KYC. (kotakprivate.com)
• Consolidated portfolio dashboard (across MF, equities, PMS, AIFs, alternatives, offshore exposures). (euromoney.com)
• Discretionary portfolio management / goal‑based model portfolios and tax‑aware planning. (hubbis.com)
• Access to alternates (PMS, AIFs, private equity, structured credit), lending against portfolio, and estate/family‑office services. (hubbis.com, hubbis.com)
• High‑touch features for HNIs: dedicated relationship manager, curated deal flow, bespoke reporting, succession planning and cross‑border capabilities. (hubbis.com, hubbis.com)

3. How to choose the right digital wealth service (quick checklist)

• Regulatory & custodial safety: SEBI/IRDA/Banks; clear custody & reporting. (Prefer regulated custodians.) (hubbis.com)
• Coverage of asset classes you need (AIFs/PMS/private deals/offshore). (hubbis.com)
• True consolidation: can the platform show positions across custodians, mutual funds, PMS and offshore holdings? (euromoney.com)
• Advice model: discretionary (outsourced PM) vs advisory vs robo (algorithms + human RM). Match to how much delegation you want. (hubbis.com)
• Reporting, security, SLAs and RM access: frequency of reports, audit trails, encryption, SLAs for RM responses. (kotakprivate.com)
• Fees & conflicts: transparent fee schedules (fee‑only vs commission vs trail), and any product‑manufacturing conflicts. (hubbis.com)

4. Practical notes on market direction

• India’s wealth sector is growing fast (strong HNI/UHNI creation and expansion beyond metros); wealth managers and fintechs are rapidly building digital capabilities and family‑office offerings to capture this demand. Expect a mix of “phygital” models (human RM + digital UX). (timesofindia.indiatimes.com)

5. Next steps I recommend (choose one)

• If you want high‑touch / bespoke services: shortlist 2–3 private banks or established wealth managers (HDFC Private/Imperia, Kotak Private, Avendus, 360 ONE) and ask for a demo of their client portal, custody setup and sample consolidated reporting. (hdfcbank.com, timesofindia.indiatimes.com, hubbis.com, en.wikipedia.org)
• If you want digitally driven advisory with curated portfolios: evaluate Cube Wealth, Smallcase‑linked advisors, or established robo/advice platforms for fees and model performance. Request sample portfolios, historical performance and how they handle PMS/AIF access. (bankoncube.com, mymoneysage.smallcase.com)
• If you already have multiple custodians: prioritize a provider that offers aggregation/consolidation or works with a third‑party aggregator so you get single‑pane reporting.

If you’d like, I can:

• produce a 1‑page comparison (fees, services, custody, offshore access, typical AUM threshold) of 4–6 specific providers (private banks vs wealth houses vs fintechs), or
• draft an RFI/email you can send to shortlisted providers asking the right technical and service questions.

Which of those would you prefer?