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Try Nagpur. You'll love it. Stupendous infrastructure, nice people, the best Tier-II city, and meets all other requirements stated by you.
I don't know about the other places mentioned but I'm a bit biased towards pune. I did my college in pune and i always thought it'd be a nice place to retire in.

Who knows i might even do so one day.
Traffic is issue in many parts of Kochi, also adding bad hotels
Kochi traffic is a breeze compared to all major cities. Also, people don't honk that much in Kochi.
Indore can be one such city where things are changing rapidly. One may very well consider it for the post retirement life and the culture of that city is just amazing. Still untouched by metro city's hustle and all things are there that one can ask for.
Don't know much about this and don't have much skin in the game, but curious to why all the downvotes?
How can it be true when the whole Indore roams around in Sarafa Market at 0100 hrs in the night to grab some snacks?
The answer is Mumbai IF you have your own house and around 20 crore in post-regiment savings at age 60. For other cities, the savings pot can be 10 crores.
Pune all the way- it is the second most liveable city in India (look it up). Good weather, decent rentals, v clean. It has best of both worlds - is a metro city but also has an old world charm with its slow pace
Try out Vadodara; it is a city between Ahmedabad and Surat, a nice and peaceful place, with very good health infrastructure, good connectivity to major cities in India, International Airport as well.
Bhopal ke "better than US" waale roads, OP ka standard of living se bohot upar ho jayenge πŸ˜‚πŸ˜‚. Not to mention, the Baabuon waala shahar title it has earned for itself.
Why are some of you unnecessarily bringing politics into this topic??? Why do you people politicise everything?
Looking at Portugal. Good retirement options they give. India isn't worth living anyways.
Surprised nobody mentioned Chandigarh- clean and green, good infra, peaceful, well-planned , low cost of living, proximity to mountains of Himachal and J&K, alcohol easily available - checks all boxes
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