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My experience moving back to India




crish
Desi
Member since: Oct 12




Posts: 70
Location:


@Mitron - First of all I don't agree that its same percentage in India, Delhi is not good for women safety and if you move to UP, Bihar or MP it only gets worse. There are areas or states which are much like Canada on women safety, but the major issue is that you don't get justice most of the time due to corruption which is not the case in Canada.

To make India improve or safer, we need people like you to come back to India along with your kids. Kids are future of India and that will be the best contribution to our beloved country to regaining glory.


 
Post ID: 236416 19-12-17 01:19:25
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susan7880
Junior Desi
Member since: Feb 18




Posts: 4
Location: Montreal


Good read! your post is really intersting,so keep on writing.

Thanks for sharing :)


 
Post ID: 236727 21-02-18 00:46:19
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Blue_Peafowl
Senior Desi
Member since: Dec 08




Posts: 1342
Location: Brampton, Ont, Canada


I am also getting out by end of this year... going back my hometown Gujarat. starting my Dairy Farming business.

Family will stay here for couple more year till i get settle down.

I have no complain with Canada, it has given us enough opportunity

But as Febpreet said my decision is emotional. i miss my India's social and peaceful life . Canada i'hv made enough money and power but still looking for peace . Life here is so stereo type. Ppl are busy here with daily needs.

Cant leave like this anymore, going back doing farming and if possible help few in needs.




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'Some goals are so worthy, it's glorious even to fail.' (Param Vir Chakra awardee Lt. Manoj Pandey)

 
Post ID: 236729 21-02-18 10:16:05
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zindabad
Senior Desi
Member since: Sep 12




Posts: 281
Location:


How much we have to save to retire/ settle peacefully in India ? I would be happy with upper middle class life there in India in tier-3 city .

 
Post ID: 236733 21-02-18 22:00:31
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crish
Desi
Member since: Oct 12




Posts: 70
Location:


@zindabad: I am not sure which cities come in tier 3, but for an upper middle class life in India in cities like Chandigarh, Pune, Hyderabad the current pension need of 60K INR per month will be needed. This is assuming that you have your own apartment.

Usual expenses per month are:
Society Fees - 6,000-10,000
Gatherings and eating out - 4,000
Maids - 3,000
Utilities - 3,000-5,000
Medical Insurance - 25,000
Groceries - 5,000
Mobile and internet - 2,500
Travel - 20,000

The average rate of inflation past 20 yrs I guess is around 6%, you can work backwards to figure out how much savings you need depending on your life expectancy.

I live in one such society, were 70% residents are either they themselves or their children are NRI. They keep visiting their children in summers.

One thing to note is coming back from Canada to settle in India will mean that you might have to choose the city wisely as not all cities will offer you the level of service that you would be used to in Canada.


 
Post ID: 236734 22-02-18 00:06:07
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Blue_Peafowl
Senior Desi
Member since: Dec 08




Posts: 1342
Location: Brampton, Ont, Canada


Depends on the conditions if you own the property or you are renting it.

If you have your own property then 40K is sufficient enough to leave simple life.

You can put 50 lakh in some secure investment which give u about 8% to 10% interest rate - as secure income. which you can withdraw every month for daily expenses.

You will not sit down there ... you will definitely find the source for income.

So secure some funds by investment for peace of mind. and rest you can general by working or business.


That is my plan :) :) :)


-----------------------------------------------------------------
'Some goals are so worthy, it's glorious even to fail.' (Param Vir Chakra awardee Lt. Manoj Pandey)

 
Post ID: 236735 22-02-18 11:16:00
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MITRON
Senior Desi
Member since: Sep 17




Posts: 149
Location:


Quote:
Originally posted by zindabad

How much we have to save to retire/ settle peacefully in India ? I would be happy with upper middle class life there in India in tier-3 city .



Pretty cheap to live in a Tier-3 city in India. Rent is cheap , so is ownership of a flat. No need for a car as Autos, Taxis are pretty cheap

The only thing you should be concerned about is Medical cost - unlike Canada its not free.

The hospitals & doctors here are known to loot patients, with or without private insurance. So maintain your health & you will be fine :)

The other thing that can be expensive is your kids education if they go for Engineering, Medicine, MBA etc.

If you have just Rs. 50 Lacs i.e $ 100,000 CAD in a Fixed Deposit in a bank in India, you can get about Rs. 4- 5 Lac in interest per year, that's more than enough to have a decent living in a Tier 3 city.

Tier 2 city living is not bad either.

But forget Metros - like Delhi, Bombay, Calcutta, Bangalore, Chennai etc. You won't or can't afford a flat there, or even rent.

Labour & Overhead expenses are cheap in Tier 3 cities , so lot of things like eating out, watching movies, dramas, music programs etc are very cheap compared to Canada.


 
Post ID: 236744 23-02-18 01:57:18
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Blue_Peafowl
Senior Desi
Member since: Dec 08




Posts: 1342
Location: Brampton, Ont, Canada


If job is not your requirement and if you are really looking for peaceful life. then go with Tier 3 cities... Tier 1 is not only expensive but also it will be hectic life.

You really wanna enjoy India run to small towns...

-----------------------------------------------------------------
'Some goals are so worthy, it's glorious even to fail.' (Param Vir Chakra awardee Lt. Manoj Pandey)

 
Post ID: 236758 24-02-18 21:53:50
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zindabad
Senior Desi
Member since: Sep 12




Posts: 281
Location:


There is no life in Metro so I won't prefer to live in Metro . Now a days in Tier-3 cities you can enjoy most of the things which you wish to have it in Metro . Cities I would prefer like Nasik ( best weather ) , Vadodara , Indore , Jaipur , Udaipur ( clean and beautiful city , even westerners are buying property in this city to live retired life ) .
About health I am not worried . My life style is healthy and I do 48 hours fasting twice a month on water only . Prolong fasting ( more than 36 hours ) helps to remove toxins and avoid any illness . Also present Indian government is introducing cheap/ free health care for poor people and it will be for all in next 5 years so from medical perspective no one should be worried .


 
Post ID: 236759 24-02-18 22:31:12
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MITRON
Senior Desi
Member since: Sep 17




Posts: 149
Location:


Quote:
Originally posted by zindabad

There is no life in Metro so I won't prefer to live in Metro . Now a days in Tier-3 cities you can enjoy most of the things which you wish to have it in Metro . Cities I would prefer like Nasik ( best weather ) , Vadodara , Indore , Jaipur , Udaipur ( clean and beautiful city , even westerners are buying property in this city to live retired life ) .
About health I am not worried . My life style is healthy and I do 48 hours fasting twice a month on water only . Prolong fasting ( more than 36 hours ) helps to remove toxins and avoid any illness . Also present Indian government is introducing cheap/ free health care for poor people and it will be for all in next 5 years so from medical perspective no one should be worried .



Nope won't happen in the next 5 years.

Only poor people will get it. But have you seen the horrible & miserable conditions of the government hospitals in India ?

You won't even go there for FREE ! Only slum dwellers will go any where close to it.



 
Post ID: 236760 24-02-18 23:03:13
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