Planning retirement

Hi everyone, looking for advice on my financial plan and early retirement goal.

About Me

29 years old, male, From a tier-3 city in India

No major hobbies except:

Running (serious about it long-term)

Reading & watching movies

Don’t plan to get married

No major financial responsibilities

about income & Savings

Monthly salary: 80k

Saving: 60k (last 8 months consistently)

Planning to increase savings by 8 to 10k every year

current Financials:

₹6 lakh in savings account

₹2 lakh in mutual funds

₹2 lakh in stocks

expenses

Monthly expenses: 15k to 20k (on the higher end)

Helping brother with 5k pm (he has a family)

Rest goes to groceries, clothes, and occasional spending

my goal is to Retire by 40

After that, only work for fun

and Spend time on , Running and reading and ezploring my homestate uttarakhand

Personally i want simple lifestyle, no luxury goals

need advice on if

my current savings rate enough to retire by 40?

How should I allocate my money better? (MFs, stocks, etc.)

Should I reduce cash holdings (6 lakh seems high)?

What kind of corpus should I realistically target given my lifestyle?

Any risks I might be ignoring?

additional Context

Parents are financially stable

I don’t foresee major future expenses

I prefer a simple, low-expense lifestyle