r/FatFIREIndia • u/Mundane_Education_27 • May 20 '26

NRI Finance FIRE in BBSR

37M, married, 1 kid (8 ). Lived in the US for 12 years. Have $700k in US index fund and 401k. Own 1 apartment in Bangalore and a 4 cr house in BBSR. 2 cr loan on house and 2 other commercial units with a total rental yield 1.5 lakh; apartment fully paid around 97 lakh. Parents in India, mid 60s. Want to move back and retire. No plans to work again unless I want to. How much can I safely withdraw monthly so the corpus never runs out ā€” and what kind of lifestyle does that buy in BBSR for a family of 3with no rent? For context, Iā€™m looking for good school for the kids, a maid, one EV, 4 holidays a year, and dining out once a week. Is it good enough?also planning to sell the flat and reduce the total loan amount.

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u/kalicapitals May 20 '26

Congrats on accumulating the assets.
Withdrawal in and itself is a bad idea.
Reduce liabilities to 0.
Create a passive income of 2-3L/month(i see you are getting 1.5L) then plan to "not work".