For years, returning to India after working abroad was seen as a natural step for many Non-Resident Indians (NRIs). Recently, more overseas Indians are rethinking this decision and considering their options carefully.
One of the main reasons is the changing cost of living in India. While India remains more affordable than many Western countries, expenses for healthcare, housing, private education, and daily travel have increased in major cities. NRIs returning after a long time often notice that their financial expectations may not match current realities.
Financial, Tax and Healthcare Concerns Add to Uncertainty
Many NRIs face questions around tax rules and financial planning. Differences between NRE and NRO accounts, overseas income disclosure, and tax residency can be confusing. Even small errors can create extra work or require clarifications.
Healthcare is generally good, but premium services can be more expensive than expected. At the same time, digital services and connectivity have improved, making everyday life easier for returning NRIs.
Career Adjustments and the Rise of a Hybrid Lifestyle
Work opportunities for returning professionals may differ from international roles. Some NRIs find that jobs in India require adapting to local work styles and pay scales.
Because of this, many NRIs choose a hybrid lifestyle—spending part of the year in India while keeping ties abroad. This way, they can enjoy life in India without fully moving back.
For NRIs planning their future, returning to India is still appealing, but it is important to plan carefully, stay informed, and set realistic expectations.
