Over 4 million Indians in the USA - the largest and most prosperous Indian community in the Western world. Extraordinary cultural infrastructure.
The EB-5 programme gives permanent residency (green card) through investment of $800,000–$1,050,000 in US job-creating projects.
For those with children, the US has the world's top universities - a secondary consideration for many Indian families.
US citizenship (after 5 years as green card holder) gives one of the world's strongest passports - visa-free access to 186 countries.
US private healthcare is among the world's most advanced, though very expensive without insurance.
Monthly estimates for a couple living comfortably in USA.
| Category | Normal | Premium |
|---|---|---|
| Housing (2BR) | ₹1.5–3.5L | ₹5L+ |
| Food & Dining | ₹50–85K | ₹1.2L+ |
| Healthcare | ₹50–1.5L | ₹3L+ |
| Transport | ₹15–30K | ₹45K+ |
| Utilities | ₹10–20K | ₹30K+ |
| Entertainment | ₹20–45K | ₹70K+ |
| Monthly Total | ₹4–8L | Higher |
The main pathways available to Indian retirees and investors.
Investment of $800,000 in a Targeted Employment Area or $1,050,000 elsewhere in a US commercial enterprise that creates 10 full-time US jobs. Gives green card (permanent residency). Path to citizenship after 5 years. Processing 2–5 years.
Pooled investment in approved regional centre projects. Same investment thresholds. More passive - suitable for those who don't want to run a business.
For those with extraordinary ability or intra-company transfers - not retirement-focused but relevant for those with US business interests.
US private healthcare is the world's most advanced but also the world's most expensive. Without employer-sponsored or government insurance, costs are extraordinary. Medicare is available to green card holders over 65 who have worked in the US for 10 years. Private insurance for a couple in their 60s can cost Rs 2–5 lakhs/month.
Over 4 million Indians in the USA, concentrated in the New York metro, San Francisco Bay Area, Chicago, Houston, and New Jersey. The community spans every economic and professional level. Indian grocery chains, restaurants, temples, and cultural organisations are present in every major US city. For cultural familiarity, only UAE and Mauritius rival the USA.
The US taxes its permanent residents and citizens on worldwide income regardless of where they live. This is unique among major countries. Federal rates reach 37%, plus state taxes up to 13%. India and the US have a DTAA. The tax burden is significant and requires professional management.
Note: Tax situations vary based on your income structure and residency pattern. Work with a qualified tax advisor who understands both Indian and USA tax law before making decisions.
Get our complete guide including visa requirements, cost breakdown, and curated list of professionals who have helped Indians make the move to USA.