Non-resident Indians (NRIs) are increasingly opting for India-based retirement plans to secure predictable, long-term income in rupees, facilitating financial ties to their home country. These plans, including annuity and government-backed schemes like Atal Pension Yojana, aim to build a corpus during working years and convert it into a steady post-retirement cash flow. NRIs often seek these structured solutions to align with potential return plans or to manage expenses in India, ensuring financial stability and offering legacy planning options.