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Daanav
3/7/2020 08:40 EST

My wife and I are UK citizens of Indian origin. Both have British passports and OCI cards. Having recently retired, we plan to relocate to our hometown Bangalore, while still maintaining a flat in the UK and our British citizenship.

We plan to SAFELY invest our life savings in India. I am thinking of an NRE Fixed Deposit account which has the provision of paying out monthly or quarterly interest like an income into another NRE account in the same bank. That money we plan to use for day to day housekeeping. My wife owns a flat in Bangalore where we will live in retirement.

Until a few days ago I was planning to do this in one of the Private Sector banks like ICICI or Axis Bank. However, after what happened to Yes Bank a few days ago, I have lost all confidence in private sector banks in India. While we are comfortably off, we are not wealthy by any stretch of the imagination and our savings and pensions are all we have to live by.

Bearing this in mind, we decided to switch our plans and invest in SBI. A friend has promised introduction and references. I have heard that the service in SBI can be indifferent compared with private sector banks and the interest rates are probably slightly lower but we are prepared to pay that price for guarantee of absolute safety of the principal amount.

What do others think?

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