Unless you are 40+, its too early to plan. World will change by then.
Till then, just save up the money. If you retire at 45+ You will still have 25 years to live. If unlucky, maybe more.....so plan accordingly. If you spend about Rs. 4 lakh per annum today, you would need atleast 25*4 lakh = 1 crore adjust to iflation about Rs 5 crores in cash when u retire! Think about it.