I am in India right now, in a place called Mussoorie in the foothills of the Himalayas. I have come here a couple of times before to escape Songkran, as the weather here is perfect at this time of the year. But since I was here 11 and 12 years ago, hotel prices have tripled in US dollar terms and are not as good value as hotels in, say, Vietnam and Thailand; it is difficult to find a decent restaurant here; and there is not a single supermarket in the whole city. Despite its recent rapid economic growth, India is still a primitive society. You would not have anything resembling a modern life here.
I spent one night in Delhi on the way here, and if I had to describe it in one word, that word would be "Armageddon". I suppose there must be less horrible parts of the city than where I was near the airport, but there's no way I would live in Delhi voluntarily.
Some people might think it's a cliche to say that Indians poop in the streets, but I saw a woman doing just that today on my walk from my hotel to the nearby main road. (I suppose she could have been peeing, but that's not a whole lot better. It shows that India doesn't think to provide facilities for tourists to relieve themselves in an overwhelmingly touristic city.)
There are reasons why pretty much every Indian dreams of escaping India for a life in the West. So take it from them: Don't even consider retiring here. (And then there's the issue of there not being a retirement visa. I got a five-year tourist visa online for $80, but that allows a maximum stay of 90 days each time and 180 days in a calendar year.)