u/Beneficial-Key-1494 — reddlx

I’m looking for Indian cities/towns that are genuinely good for retirement and long-term quality of life.

Not looking for “happening” cities or high salaries. I care more about peace, order, civic sense, and day-to-day sanity.

Some of my criteria:

* Better traffic discipline and rule enforcement

* Lower “VIP culture” / political hooliganism/intimidation culture

* Less show-off culture (Fortuners/Thars/black Scorpios with fake power display, etc.)

* Better civic sense among residents

* Cleaner roads and public spaces

* Less chaos in markets and public areas

* Decent hospitals and emergency healthcare

* Good road & airport connectivity

* Less linguistic hostility/regionalism

I’m essentially looking for the closest thing India has to a calm, orderly, high-trust society.

Cities I’m already considering or hearing about often: Vadodara, Indore.

Would love brutally honest feedback, including negatives.

I wanted to share a recent experience with IndusInd Bank: partly as a cautionary tale, partly to show that RBI complaints actually work if you stick with it.

Background:
Last year, I applied for an IndusInd credit card. They rejected it and later told RBI that my CIBIL score was “-1” (which is obviously nonsense).
After escalation, the RBI directed them to pay ₹1,000 compensation.

Fast forward to Feb 2026: their relationship manager called me and convinced me to apply again, promising that “this time it will be handled properly.”

I applied for the Tiger Credit Card (0% forex), and guess what…

- Rejected again
- Same reason: “CIBIL -1”

For context, my actual CIBIL is 806.

Things that made it worse:

RM pushed me to apply, then disappeared
The bank later claimed “no executive was involved”
Then, they said the application was “expired” and not "rejected"
Then said “internal policy”
Meanwhile, the relationship manager called me and offered me a ₹5 lakh pre-approved card (not the same variant which I applied for)

Basically, every reply contradicted the previous one.

What I did:

Documented everything (emails, call logs, timestamps)
Highlighted contradictions clearly
Filed a complaint with RBI (CMS portal)
Responded point-by-point when RBI asked

Final outcome:

The RBI Ombudsman ordered them to provide a point-wise reply or pay compensation. The bank still gave a generic reply, then they agreed to pay ₹5,000 in compensation.