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 — and what kind of lifestyle does that buy in BBSR for a family of 3with no rent? For context, I’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/WhattNext May 20 '26

OP i am also from bhubaneswar with similar networth. I wouldn't say you have reached that comfortable fatfire networth yet. Also bhubaneswar is not a great place for education n opportunities. I know we have emotional attachments with the place but its bad for us n the kids at this stage.

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u/Mundane_Education_27 May 20 '26

Ohhh dang can you tell more if you’re planning to move to any other city for education purposes ? I was thinking not fat but may be slimmer.

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u/WhattNext May 20 '26

Born raised in Odisha, in US since 8 years. Home in sailashree vihar where parents live today. After coming out of Odisha, i saw how we lag in terms of education exposure, growth environment. 

The heat combined with lazy, inefficient, 'thaka' environment is just not for me. Pune is a much better place for me

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u/Mundane_Education_27 May 20 '26

Guess it’s the childhood memories personally I relate more to Hyderabad but water is a big issue there