New Delhi, Aug. 1 -- For many NRIs, ageing parents become the strongest reason to return home.

Years ago, a techie friend who had planned to settle in the US made the difficult decision to move back to his tier-2 hometown to care for his parents. It wasn't an impulsive choice. After exhausting help from relatives for hospital visits and increasingly depending on friends, he realised his parents' growing medical needs could no longer be managed across time zones.

But coming home also meant a financial reset. His income fell sharply, while expenses-from medical care to home loan EMIs-became harder to manage.

His story isn't unique. Many non-resident Indians (NRIs) who return to care for ageing parents discover that the move demands as mu...