r/FIREIndia

▲ 4 r/FIREIndia+2 crossposts

Looking for a marketing remote opportunity

Hi, I’m a B2B marketer with 4.9 years of relevant experience. I’m actively looking for a product marketing manager/marketing manager role. I have full stack marketing experience.

I’ve recently been a victim of layoff. However, I’m really skilled and can grow your business from 0-1. If you’re looking for someone similar please DM me.

reddit.com
u/Which-Suggestion7931 — 15 hours ago

Not fat fire or fire yet: Still need a perspective

Hello,

38 year old woman. Been in the tech industry or almost 15 years. Burnt out. Planning to take a break for a couple of months to an year or two.

Almost 4 years in the US with 400k in US market including 401k and HSA. Have an apartment in Bengaluru and couple of ancestral properties in my hometown. Around 60 lakhs in multiple savings in India. Very moderate lifestyle. Parents don't need support from us.

Would like to spend time with parents and children. Husband is not earning high as he is in academia.

Do you think I can afford to take this break. I am worried about getting back to industry as well.

Our current monthly expenses in a small town in the US is this:

  1. Rent - $1600

  2. Fuel + Car insurance - $350

  3. Groceries - $400

  4. School fee and other activities - $600

  5. Miscellaneous - $300

So, around ~$3200 is our average expenses now. Yearly, there are some trips (mostly the India trips), which add up to some more costs. Of my salary, $3000 goes to my equity purchases today.

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u/Possible_Season4786 — 1 day ago
▲ 2 r/FIREIndia+1 crossposts

Seeking Expert Help for Personal Financing

I started my full-time job in the US a little over a year ago, and apart from paying off my education loans, I feel like I’ve done a pretty poor job with investing and financial planning so far. A lot of it is procrastination mixed with uncertainty around visa/immigration status, which makes me hesitant to aggressively max out things like 401(k), Roth IRA, etc.

Part of me feels unsure about locking a huge portion of my savings into US retirement accounts when there’s a decent chance I might move back to India within the next 5 years.

I’m looking to for recommendations on any financial expert on basic personal finance planning for someone in this situation. Nothing super fancy, just a simple, boring, sustainable investment template to get started.

Would appreciate any advice or experiences!

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u/Serendipeaty — 1 day ago

36M, 125LPA, 2Cr saved, no house in Bangalore, seriously considering moving to Southern Europe for 2 years. Thoughts?

Hey everyone! Would love some genuine perspectives on a decision my wife and I are going back and forth on.
A bit about us: We're both 36, have a super energetic 20-month-old daughter, and currently living in Bangalore. I work at a US-based tech company and my wife works at a European MNC (she works on a project basis, different clients, 11-month contracts, mix of WFH and some travel). Combined income is around 155LPA.

Financially we're in a decent spot:

  1. No property owned
  2. Saving reasonably well each month

The opportunity:

My company has given me the option to relocate to Southern Europe for a minimum of 2 years. After that, we can either come back to India or stay longer if we love it there, so there is an option to comeback.

Salary would be around €170-180k/year with ~20% effective tax (R&D regime), so take-home is decent. But here's the honest part, we won't be saving dramatically more than we do in India. My wife would likely need to find a new job there which adds some uncertainty in year one.

So unlike the classic Service base dev move from India-to-Europe story where someone gets a 3x salary jump and everything upgrades overnight, for us it's more of a lifestyle bet than a financial one.

Why I really want to go:

I grew up in a smaller city, open fields, easy drives, space to just breathe. Bangalore has slowly started feeling like a cage to me. I do play badminton and go to the gym regularly, but I genuinely miss something as simple as going for a walk while on a phone call, or driving without it turning into a stressful experience.

We live in a apartment and my wife honestly rarely wants to step out, Bangalore traffic and road conditions don't exactly make it tempting either. We don't eat out much, don't explore the city much. We're earning well but honestly living a pretty indoor, low-stimulation life.

I feel like Southern Europe could genuinely fix this, walkable neighbourhoods, cleaner air, parks and open spaces, a pace of life that's just more... human? And doing it for 2 years with the option to come back feels like the right window to try it without fully burning bridges.

My wife's hesitation :

She's not against it at all, but she's nervous about the unknown. Her point is most people who move to Europe from India are getting a massive pay raise and a lifestyle upgrade, so the trade-off is obvious. For us, the financial upside isn't dramatic, so is the disruption worth it?

She'd need to restart her career or find remote work, our daughter would need to settle into a new environment, and we'd be further from family. These are real concerns and I don't want to dismiss them.

The alternative:

Stay in Bangalore but actually upgrade our life here, move to a proper gated society, or buy a flat/villa in the 3–4Cr range. This would give us stability, a better environment for our daughter, and roots.

But honestly, taking on a big home loan in this job market makes me a bit anxious. I've been laid off twice before and that experience does leave a mark. The idea of a large EMI hanging over us feels heavy.

So here's what I'm torn between:

  1. Move to a better society in Bangalore, solve the "feeling stuck indoors" problem without the big disruption. Maybe that's all we actually need.
  2. Buy property now and get proper roots but take on EMI risk given my layoff anxiety.
  3. Has anyone navigated something like this? Good income in India, moved to Europe not chasing money but chasing a better quality of life, especially with a young kid? How did it go? Did you regret it or was it the best decision you made?

Would genuinely love to hear different perspectives, including if you think I'm overthinking this! 😄

reddit.com
u/Infamous_Macaron_226 — 8 days ago

How much is required to retire in India

This is a question which has been raging on social media in recent days. while everyone has their own opinions and numbers , I feel 10 crores Liquid + Own Home should be good for a family of 4. Of course, kids'education is expensive but I still feel if you are wisely invested, compounding can do it's magic . Having reached 11. 5 crores I am still not satisfied as I have some real estate goals. I have my own parents home which I will eventually get. My wife will get her home.. so I never invested in real estate till date. But having said that out of 11.5 liquid corpus almost 9.5 is in Equities and mutual funds.... I wanted to build huge corpus before getting to buy real estate. so that point I feel is somewhere closer in the next 2 years. so at somepoint I plan to buy a large piece of plot on outskirts of Coimbatore or in Ooty to settle down for my retirement peacefully. Yes I am just 42 but want to plan well ahead..My simple logic is not to spend more than 1.5 crores in RE. Remaining I will keep compounding easily at 11 to 12 percent. so I keep generating 1 crore every year by just staying invested and do nothing . so what are some things I am proud of ? I started early at age of 21. Kept buying mutual funds units .. aggressively increased during various crashes... 2008 recession... demonistiation..wars.. Covid ... middle east crisis ... never stopped my SIPs

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u/Compoundingmachine8 — 9 days ago
▲ 9 r/FIREIndia+8 crossposts

OYO IPO 2026 - what the market is actually betting on (and why this filing is very different from the earlier attempts)

I have started tracking OYO's IPO journey recently and honestly, most people are still reacting to the old OYO story.

The version most people remember:

  • SoftBank-fueled hypergrowth
  • Huge losses
  • Layoffs
  • Two failed IPO attempts
  • Valuation collapse
  • Governance concerns

That story was real. But the company filing again in 2026 is a very different company from the one that tried listing in 2021.

Not financial advice, just analysis. Curious what others here think.

Quick context

  • Third confidential DRHP filed: January 2026
  • IPO size: ₹6,650 crore
  • Target valuation: $7–8 billion
  • Structure: all fresh issue, no reported OFS
  • FY24: first annual profit (₹229 crore)
  • Motel 6 acquisition completed: December 2024

The biggest difference vs earlier filings

This IPO is no longer primarily about investor exits.

The 2023 filing was OFS-heavy, most of the money raised would've gone to existing shareholders, not the company. Current reporting suggests the 2026 filing is entirely fresh issue. Capital goes into OYO itself.

That changes the IPO psychology materially. Compare the three attempts side by side:

Year Valuation Structure
2021 $9–10 billion ₹8,430 crore; lapsed
2023 $2.7 billion ₹4,286 crore; mostly OFS; lapsed
2026 $7–8 billion (target) ₹6,650 crore; all fresh issue

SoftBank is reportedly not participating in an OFS either. Whether that signals confidence in future upside or just better timing is debatable but it's a cleaner signal than a distressed seller trying to exit at any price.

The Motel 6 acquisition changed the story more than people realize

In December 2024, OYO acquired Motel 6 and Studio 6 from Blackstone for $525 million reportedly adding around 1,500 US properties and $1.7 billion in gross annual revenue.

This wasn't just a growth acquisition. It fundamentally changed the scale and classification of the company.

Before this, you could still broadly frame OYO as a travel-tech / franchise business.

Now it sits somewhere between:

  • Hotel operator
  • Franchise network
  • Branded budget hotel chain
  • Hospitality platform

Public markets assign very different multiples to each. That's part of why the valuation debate is so wide - both bulls and bears have room to argue.

Reported Q1 FY26 Gross Booking Value crossed ₹7,200 crore after Motel 6 consolidation, while reported net revenue was closer to ₹2,000 crore. The scale clearly moved - the bigger question is whether margins scale with it.

The profitability story is finally real

This is probably the single biggest change vs the earlier attempts.

Period Revenue Profit / Loss
FY22 ₹4,905 crore Loss: ₹2,074 crore
FY23 ₹5,464 crore Loss: ₹1,286 crore
FY24 ₹5,388 crore Profit: ₹229 crore

The important part isn't just that FY24 was profitable. It's how they got there - exiting weak international markets, renegotiating minimum guarantee contracts, cutting aggressive expansion, and prioritizing margins over optics.

The company stopped behaving like a startup chasing valuation and started behaving more like a business preparing for market scrutiny. That's a meaningful shift.

What's still not clean

Motel 6 integration is unproven. Revenue has moved. Margins haven't been fully tested. OYO's earlier international bets - Europe, Southeast Asia, the Middle East mostly ended in retreat. Running 1,500 physical US properties is a fundamentally different operational problem. If integration works, it justifies the $7–8B valuation. If it doesn't, it complicates everything.

One profitable year doesn't make a cycle. FY24 profit came in a decent travel environment. Hospitality is cyclical. The business hasn't been stress-tested at this scale through a real downcycle yet.

Three filings plus the CCPS episode is a long memory. In 2024, OYO proposed a CCPS bonus share structure that would have given insiders a higher ratio than regular shareholders. It was withdrawn under pressure in November 2025 and replaced with a universal 1:1. Resolved but it happened reactively, not proactively. Fund managers don't evaluate these things in isolation.

The founder leverage structure still hangs over the story. Ritesh Agarwal's $2 billion financing from 2019 doesn't disappear at IPO — it gets resolved through it. That doesn't make the structure automatically bad, but large investors will scrutinize the incentive alignment carefully when IPO timing directly affects leverage resolution.

What the market is actually underwriting at $7–8 billion

At this valuation, public-market investors are effectively betting that:

  • Motel 6 integration works and adds to margins, not just revenue
  • Profitability scales further through a full travel cycle
  • Governance stabilizes and the third filing holds up to scrutiny
  • OYO earns a valuation framework closer to a scaled hospitality business than a startup turnaround story

That's a lot for the market to underwrite simultaneously. The bullish and cautious readings are both legitimate. Public markets will decide whether the price holds.

The real IPO story

The first phase of OYO was about proving it could grow fast. That phase ended badly.

The current phase is about proving the business can become durable.

And that's probably the more interesting question now — not whether OYO can scale, but whether it can sustain.

Three things I'm curious what you guys think :

  • Does Motel 6 actually justify the valuation reset from $2.7B to $7–8B?
  • Does the all-fresh-issue structure materially improve IPO quality in your view?
  • How much weight would you place on the governance history at this point?
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u/ankur_r12 — 10 days ago
▲ 2 r/FIREIndia+1 crossposts

I created an app for myself for managing my investments.

Hello everyone,
I created an app for managing my investment and getting daily brief from claude in the morning and also get 8-10 strong based on current market condition and news. There are few more features that I haven't mentioned here. I created it to be like bring your own claude key and that way what you pay is what you do with the app. I haven't deployed it anywhere yet as I am still testing and getting the accuracy on it. So far I am getting pretty good suggestions so let's see how it goes.
Is this something people will be interested into? should I make it public?

reddit.com
u/UnderstandingOk6421 — 10 days ago

Target coast fire amount - 3cr

Current portfolio:
Indian equity: 50L
Multi assets: 7.7L
FD: 10.5L
Arbitrage: 5.2L
PF: 12L
US equity: 1.3L
RSUs: 2.5L
Savings account: 3.8L
Endowment: 3L (I have put 6 till now, but will get 3 if ai forfeit)
Esops (companies to go public in next 2 years): 15L (I see no further upside on them)

Total Current Portfolio size without esops: 96L

I am 26 right now.

Salary split looks something like this:
In hand: 3L
Pf: 50k
RSUs vesting every month: 40k

SIPs (out of total in hand):
1.6L monthly in Indian midcap and smallcap
45k in US index

I can probably start putting in around 15-20k more every month.

Software Engineering is not for me, and it’s been a while I realised it. I just want to reach the 3cr number as soon as possible. When can I realistically target to?

reddit.com
u/AdAdventurous6939 — 13 days ago