Moving back for ageing parents? Here's the financial reality NRIs must prepare for

% of NRIs cite ageing parents as a top reason for returning to India, according to the Back to India NRI Community Survey (2025-26).

Health insurance often fails to cover consumables, doctor visits, and monthly pharmacy bills, raising out-of-pocket costs.

Returning NRIs often face significantly lower salaries, especially when relocating to Tier-2 cities.

Medical expenses for ageing parents can consume 10-20% of income, including annual checkups, quality food, and insurance.

Cross-border tax planning and overseas asset management require early preparation before moving back.