u/United_Situation9095

Hey everyone,

I’m trying to make a big decision and would really appreciate some grounded advice—especially from folks who’ve done the US → India move.

Background:

• Came to the US in 2021 for MS in CS
• Did ~1 year of internship + 3 years full-time.
• Fully paid off my student loan (~₹60L) through internships + job
• Helped my dad clear home loans as well
• Current savings: ~₹50L (I know this is on the lower side compared to some posts here)

Personal situation:
Things changed emotionally when my mom was diagnosed with a illness last year. She’s doing better now, but it’s unpredictable. Since then, I’ve been strongly considering moving back to India to be closer to family.

Current option:

• Got an internal transfer offer from my current employer in India
• Compensation: ~₹32 LPA (base)

My questions:

1. From a financial perspective, does it make sense to move now with ~₹50L savings and ₹32 LPA base?
2. Or would it be smarter to stay in the US for a couple more years, build a bigger corpus, and then move—given the uncertainty around my mom’s health?
3. For those who’ve moved back around this comp level, how did your savings rate and lifestyle adjust?
4. I don't care about AQI and Traffic, I know i can overcome that.

I feel like I’d be able to save a decent % in India too, but obviously the absolute savings will be lower than the US.

Would really appreciate any perspectives—financial or otherwise.

I used Chatgpt for drafting but content is real and would appreciate any advice.

Hey everyone,

I’m trying to make a big decision and would really appreciate some grounded advice—especially from folks who’ve done the US → India move.

Background:

• Came to the US in 2021 for MS in CS
• Did ~1 year of internship + 3 years full-time.
• Fully paid off my student loan (~₹60L) through internships + job
• Helped my dad clear home loans as well
• Current savings: ~₹50L (I know this is on the lower side compared to some posts here)

Personal situation:
Things changed emotionally when my mom was diagnosed with a illness last year. She’s doing better now, but it’s unpredictable. Since then, I’ve been strongly considering moving back to India to be closer to family.

Current option:

• Got an internal transfer offer from my current employer in India
• Compensation in India: ~₹32 LPA (base)

My questions:

1. From a financial perspective, does it make sense to move now with ~₹50L savings and ₹32 LPA base?
2. Or would it be smarter to stay in the US for a couple more years, build a bigger corpus, and then move—given the uncertainty around my mom’s health?
3. For those who’ve moved back around this comp level, how did your savings rate and lifestyle adjust?
4. I don't care about AQI and Traffic, I know i can overcome that.

I feel like I’d be able to save a decent % in India too, but obviously the absolute savings will be lower than the US.

Would really appreciate any perspectives—financial or otherwise.

I used Chatgpt for drafting but content is real and would appreciate any advice.