Categories: Retirement locations

Retirement in India: The Good, The Bad, The Ugly

Almost everywhere we have been we have found the people to be friendly and helpful. When we take a walk we are greeted with Namaste and folded hands. If we see them again we talk and are invited to tea or lunch. Then it’s “Please come and stay with us while we are both in Delhi.” We are now planning to vacation is South India with some of the friends we have made. Many have told me that they appreciate my effort to maintain the Indian customs and dress. One of my lady friends remarked, “You are more Indian than I am.”

As I have said, India is not for the faint of heart. Basically, things don’t work well here. Electricity comes and goes, sometimes for days at a time. Many of our friends and family have backup power generators. Homes are not constructed with insulation. There is no central heat and air. The outside air temperature of 50 degrees F can make for a very cold house and a very hot house when it gets to 115 degrees F in many parts of India. I cannot imagine what winter would be like. This winter we went back to the States.

India’s infrastructure is poor and getting worse. The roads are crowded and in need of repair. Repairs that are made do not last more than a year due to substandard materials. Delhi is two hundred miles from Ghorakhal. It takes a bone jarring eight hours by car. Our flight from the States was delayed due to weather. The delay caused us to miss our train and we could not get tickets on short notice. Traffic especially in the cities is very heavy and traffic laws are not obeyed. The biggest vehicle takes the right of way. Pedestrians, goats, horses and oxen pulling carts are allowed on the toll roads. The railways and trains are owned by the government and have not been upgraded in years. One must book a ticket thirty days in advance and then be put on a waiting list. Only 47% of Indian households have toilets, 3% use public facilities while the rest relieve themselves out in the open. Garbage management is almost nonexistent, even in the big cities. Garbage is thrown in any empty space that can be found or out the front door into the street. The lack of bathrooms and untreated garbage has contaminated most of India’s ground water and rivers. Only 33% of households have access to treated water. Those households with means have a water filter. Much of the construction is done by unskilled hand labor. There seems to be no uniform building or electrical codes. Bribes are expected and required to get anything done. Cooking gas is government subsidized. Since we are not Indian citizens we cannot legally buy it, forcing us to get it from the black market.

India is not a pet friendly country. Though it was expensive we were able to bring our two elderly dogs. Both have since passed away. This year due to a change in the law only those planning to permanently relocate here are able to bring in their dog or cat. The loss of our pets left a huge hole in our hearts. While we were in the States and after we obtained our new family members, two Toy Fox Terriers we found out about the change in pet regulations. Tourists will not be allowed to bring in their pets period. The cost of relocating our pets including air fare, pet passports and bribes ran us $2700.00. Our pets were held for 16 hours by Delhi’s cargo hold and not released to us until we paid the bribe. Fortunately we were allowed to feed and water them while they were being held. Including the flight time they spent 30 hours in their crates. We were fearful that they would be stolen as I have not been able to find the breed here. My husband and I have decided that if we do leave India with our dogs we will not return.

The negatives of India have caused us to rethink our retirement here. We plan to extend our stay here for the next twenty months. At that point one or both of us and our pet children will fly back to the states to see family and take care of business. I do love where we are living now and our simple peaceful lifestyle. There are many parts of India we want to see and experience. We have made some very good and dear friends here. We are not sure if we want to put up with the lack of infrastructure, the difficulty with traveling from place to place and India’s growing population and bribe expectations. Time will tell.

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Cynthia Singh

Growing up in Small Town America in the home that my ancestors built instilled an appreciation of my American roots and love of Country. The blood of Roger Williams, defender of religious freedom and founder of Rhode Island, Jonathan Alder, pioneer captured and raised by the Shawnee Indians, Stephen Foster, the father of American music and William Travis, commander of the Alamo run through my veins. I grew up in this land of opportunity, America. I married, raised a family and prospered. I achieved the American Dream. That dream is no longer as possible for my grandchildren. Our country is morally and economically in decline. My retirement investments have lost half their value. My husband, born in India and I have decided to outsource our retirement to India. As my husband puts it, we are going home. Check out my White Indian Grandmother website. You can also reach me by email.

View Comments

  • I am thinking of retiring in Uttarakhand. please suggest some place and the price of some decent accomodation which i can purchase. i am from bombay.

  • Ghorakhal, Uttarkhand, is a beautiful place. I have not been there but I have seen pictures of it. But what would bother me, if my wife and I were to live there , is its distance from Bangalore, our home town. That apart, thank you for this excellent article; everything you have written here (friendly, beautiful people, corrupt government, the dirt and filth, lack of sanitation and clean water for most Indians) are all, unfortunately, true.

  • I am of Polish origin and would like to retire in India, Vrindavan, I am not married (40) and got early retirement after being a teacher in Poland

  • This is a message for Wiktor. I also would like to retire in India too and have been to Vrindavan. I am single Indian woman living in Australia. I am a Hare Krishna devotee and would like to meet like minded spiritual people for settling down . My email address is kalpanadevi41@yahoo.co.uk
    thanks.

  • It has been more than one and a half years since this was posted. It will be nice to have a follow up.

    I just realized you have moved back. Are you settled now or you wish you had sweated it out?

    Thanks

  • I live in united states (citizen) here from the last 16 years. I am 42 years old.
    Recently I visited India for 4 months ( including Mathura/varindavan/Rishikesh) and realized India could be permanent retirement place But I really liked more Rishikesh than Varindavan.

    In Rishikesh, I stayed for 1 month. Weather is good even in summer as well as pollution level is very low, right in mountains. People are much nicer and honest.

    I am planning to buy one home in Rishikesh now. I feel Rishikesh could be permanent place for me for my rest of my life. There are lot of Ashrams in Rishikesh area and of course GANGA.
    I have been to Badrinath temple 14 times.

    I feel there are lot of places in Mountains to explore once I settle in Rishikesh.

    Thanks
    Ashok Bansal

  • I am (44) also thinking/planning to move to India and focus more on spiritual/quality life. Vrindavan would be perfect for me as i am Hare Krishna devotee but i am also looking at Mayapur in West Bengal and other places. I don't think buying condo is the best idea at this moment. Rent is cheap and gives me a lot of flexibility to move around. Biggest problem is long term Visa as i am not of Indian origins.
    I hope you love living there. i just got back form India and miss it already :(

  • 1. Rent , don't buy. As a rule of thumb, indian prices are 25% of New York/ Sydney / Dubai.
    Ignore the big cities, head to the tier 2/3 towns. Keep an eye on pollution levels and water availability.
    2. Go vegetarian and cook your meals. Invest in a rice cooker. Rice and lentils are staples here, if you adopt this diet, your dollar will go the extra mile.
    3. Research and invest in the local stock market. If you can't be bothered, pick 3 mutual funds and put a small percentage of your savings. Hold it for more than a year and your gains are tax free.

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Cynthia Singh

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