February 13, 20251 yr Popular Post Me relocated to India in 2018 after 12yrs stay in UK.. Monthly expenses: Rent: 35k + 3k maintenence Maid: 2k Groceries: 15k OTT + Mobile Monthly : 2k School Fees Monthly average: 10k * 2 = 20k (2 kids) Tutions: 10k for 2 kids 2 Bike Petrol: 1000 Rs Misc Shopping or buying house hold goods : 10 - 20k We dont eat outside food and stopped going to theatres to watch movies .. Total on an average : 1Lakh+ per month for family of 4 Rent i pay will be covered by the rental income from my 2 owned flats.. So 1lakh - 35k = 65k per month expenses Actually its not as expensive as few people project about living expenses in india.
February 13, 20251 yr 12 minutes ago, andhra_jp said: Me relocated to India in 2018 after 12yrs stay in UK.. Monthly expenses: Rent: 35k + 3k maintenence Maid: 2k Groceries: 15k OTT + Mobile Monthly : 2k School Fees Monthly average: 10k * 2 = 20k (2 kids) Tutions: 10k for 2 kids 2 Bike Petrol: 1000 Rs Misc Shopping or buying house hold goods : 10 - 20k We dont eat outside food and stopped going to theatres to watch movies .. Total on an average : 1Lakh+ per month for family of 4 Rent i pay will be covered by the rental income from my 2 owned flats.. So 1lakh - 35k = 65k per month expenses Actually its not as expensive as few people project about living expenses in india. which city?
February 13, 20251 yr 42 minutes ago, andhra_jp said: Me relocated to India in 2018 after 12yrs stay in UK.. Monthly expenses: Rent: 35k + 3k maintenence Maid: 2k Groceries: 15k OTT + Mobile Monthly : 2k School Fees Monthly average: 10k * 2 = 20k (2 kids) Tutions: 10k for 2 kids 2 Bike Petrol: 1000 Rs Misc Shopping or buying house hold goods : 10 - 20k We dont eat outside food and stopped going to theatres to watch movies .. Total on an average : 1Lakh+ per month for family of 4 Rent i pay will be covered by the rental income from my 2 owned flats.. So 1lakh - 35k = 65k per month expenses Actually its not as expensive as few people project about living expenses in india. It totally depends on city - There is no way maid comes for 2k in any tier 1 or tier 2 city. Trust me - my parents live in Tier 3 city and we pay 4k for maid. Also anna, this list screams being frugal. 25~30% more if you want to live comfortably.
February 13, 20251 yr 1 hour ago, kevinUsa said: Rent and school fee are biggest expenses for us in India Ofcourse - That is why if you are going to india. Make sure you have your house paid off - This is step 1. Groceries baga costly aynay bro - India's inflation is close to 9~10% every year.
February 13, 20251 yr Author 53 minutes ago, Chittoorodu said: Ofcourse - That is why if you are going to india. Make sure you have your house paid off - This is step 1. Groceries baga costly aynay bro - India's inflation is close to 9~10% every year. I was recently in India, felt Vizag lo cost of living baaga pergipoyindi. Ekkadaleni restaurants anni vachesai and people are spending like anything.
February 13, 20251 yr Popular Post 23 hours ago, JANASENA said: If someone wants to return to India in 2025/ 2026 ee below parameters lo entha unte we can lead a decent life without 9-5 FD: Bank Balance: SIPs balance: Real Estate: If you are settling in India, I would suggest to keep most of the investments in US if you are a citizen. Get a house or apartment on loan and pay it off only after doing the right calculations. Rupee value keeps going down while the worlds biggest companies are based in US. Once Robotics is in full swing, they don't need to offshore manufacturing that much. We are planning to move as well. Have some real estate in India bt keeping stocks invested in US.
February 13, 20251 yr Author 2 minutes ago, krishnaaa said: If you are settling in India, I would suggest to keep most of the investments in US if you are a citizen. Get a house or apartment on loan and pay it off only after doing the right calculations. Rupee value keeps going down while the worlds biggest companies are based in US. Once Robotics is in full swing, they don't need to offshore manufacturing that much. We are planning to move as well. Have some real estate in India bt keeping stocks invested in US. Ty!
February 13, 20251 yr 1 hour ago, Chittoorodu said: Ofcourse - That is why if you are going to india. Make sure you have your house paid off - This is step 1. Groceries baga costly aynay bro - India's inflation is close to 9~10% every year. ee city cheppu
February 13, 20251 yr 47 minutes ago, JANASENA said: I was recently in India, felt Vizag lo cost of living baaga pergipoyindi. Ekkadaleni restaurants anni vachesai and people are spending like anything. Yep - Asalu ee zomato, swiggy valla restuarants baaga pandaga cheskuntunayi. Also on a side note - Most of indian food nowadays are pretty close to unhealthy IMO
February 13, 20251 yr 25 minutes ago, kevinUsa said: ee city cheppu My assumptions are for Bengaluru/Chennai - Na username chudu bro these are the Tier 1 close to my hometown Ayna hyd kuda emi teesipodu ga, chennai is the only one with nominal prices even now.
February 13, 20251 yr 35 minutes ago, krishnaaa said: If you are settling in India, I would suggest to keep most of the investments in US if you are a citizen. Get a house or apartment on loan and pay it off only after doing the right calculations. Rupee value keeps going down while the worlds biggest companies are based in US. Once Robotics is in full swing, they don't need to offshore manufacturing that much. We are planning to move as well. Have some real estate in India bt keeping stocks invested in US. This - I would keep the 401k's and Roth IRA's compounding and do its magic. US is the safehaven any day.
February 13, 20251 yr Author 2 minutes ago, Chittoorodu said: My assumptions are for Bengaluru/Chennai - Na username chudu bro these are the Tier 1 close to my hometown Ayna hyd kuda emi teesipodu ga, chennai is the only one with nominal prices even now. kolkata also
February 13, 20251 yr On 2/12/2025 at 11:26 AM, JANASENA said: If someone wants to return to India in 2025/ 2026 ee below parameters lo entha unte we can lead a decent life without 9-5 FD: Bank Balance: SIPs balance: Real Estate: Planning to return to India by 2027 End. Main reason to go back is Stress at Work and no motivation to learn new things and other main reason Parents getting old. I expect to have below numbers before moving Real Estate: 3BHK near Gopanpally(25 Lakhs Loan to be cleared)(currently earning me 40K rent). RSU's/Stocks/ETF's/Crypto's: by 2027 expecting to be around $270-$300K(Currently $70k). 401K: by 2027 expecting to be around $70K(Currently $25K) Cash: $50-$80K (Currently $8K) Plan is to Keep 401K and diversify around 50% value of RSU's/Stocks/ETF's/Crypto's and invested in US Markets (Mostly this if for my kid future planning) and remaining 50% for our savings in India. After Moving back, hopefully I get a job or continue in my current job from Offshore, for may be couple of years and grow the Corpus and gradually by 45(I am 39 now) then plan to do coast fire by switching to a job with smaller role/responsibilities for smaller salary (equal to my monthly expenses) and by not touching the savings. Expecting Expenses in India to be around 1.3 to 1.5 lakhs(includes School fees, Medical Expenses, Groceries and Home Maintenance)
February 13, 20251 yr 56 minutes ago, raj2909 said: Planning to return to India by 2027 End. Main reason to go back is Stress at Work and no motivation to learn new things and other main reason Parents getting old. I expect to have below numbers before moving Real Estate: 3BHK near Gopanpally(25 Lakhs Loan to be cleared)(currently earning me 40K rent). RSU's/Stocks/ETF's/Crypto's: by 2027 expecting to be around $270-$300K(Currently $70k). 401K: by 2027 expecting to be around $70K(Currently $25K) Cash: $50-$80K (Currently $8K) Plan is to Keep 401K and diversify around 50% value of RSU's/Stocks/ETF's/Crypto's and invested in US Markets (Mostly this if for my kid future planning) and remaining 50% for our savings in India. After Moving back, hopefully I get a job or continue in my current job from Offshore, for may be couple of years and grow the Corpus and gradually by 45(I am 39 now) then plan to do coast fire by switching to a job with smaller role/responsibilities for smaller salary (equal to my monthly expenses) and by not touching the savings. Expecting Expenses in India to be around 1.3 to 1.5 lakhs(includes School fees, Medical Expenses, Groceries and Home Maintenance) this is very realistic. something we can baseline to make plans.
February 14, 20251 yr india move ayyaka 401k and invested stocks alane unchochha? leka stocks ammi padeyala?
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