It is never too early to start thinking about and planning for retirement in India. Ideally, individuals should start buying retirement plans as soon as they begin earning a stable income, usually in their mid-20s or early 30s. The younger you are when you start investing in retirement plans, the more time your money will have to grow and compound, giving you a larger nest egg to rely on in your later years. However, it is never too late to start investing in retirement plans, and individuals of any age can benefit from creating a financial plan for their future. The important thing is to start as soon as possible to secure a comfortable retirement.