With a nine plus CGPA and a stable job, is a masters abroad worth it if I plan to return home after?

With your high CGPA and stable job, a masters abroad is worth it only if you are chasing long term career acceleration rather than quick financial gains. You are trading a secure path for a higher risk, higher reward one, and the payoff depends heavily on what you study and when you return.

When It Is Worth It vs When It Is Not

Financial Reality to Plan Around

• You forfeit 1 to 2 years of salary plus tuition upfront, so expect a negative return in the short term regardless of the university's ranking.
• Returning immediately means repaying any foreign debt with a local salary, which stretches out your recovery timeline considerably.
• Working abroad for 2 to 3 years after graduation to clear debt and build savings before returning home dramatically improves your financial outcome.
• A degree from a top tier university genuinely helps you leapfrog into management roles back home, but a generic degree will not beat your current trajectory.

My Advice

Before you apply anywhere, write down whether your real goal is a skill pivot into a field like AI or research, or simply a foreign credential for your resume, because only the first goal justifies giving up your stable job and taking on the financial risk right now.