NRIs Retiring In India: What To Keep In Mind

Planning For Retirement

Whether you are an NRI settled in the Gulf, UK, US or elsewhere, retirement involves a thorough financial planning process - and some additional factors to consider.

Retirement Age

These vary from 60-65 years. Some continue to work in India upon return. You spend two-thirds of your life in the accumulation/saving phase and a third in drawdown, so plan accordingly.

Nest Egg

Calculate your target corpus in rupee terms. Consider where you will live, lifestyle, etc. One suggestion is to build a nest egg of at least 25x the annual expenses at the time of retirement.


Once you know the target retirement corpus, take stock of your current financial assets: MFs, stocks, bank FDs etc. This will show you where you stand and how much more you need to save.


You can invest more to reach your goals. Invest largely in Indian assets since you will be retiring here - and slowly liquidate all foreign assets, like real-estate or 401K (if you are in the US).

Channelize Your Funds Wisely

Ensure you channelize these investments back home into equities in a systematic way so that you have enough funds for your retirement nest egg. 

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.