Need approx corpus needed for FI

[Sanjay]

I'm not looking to retire, I just want to be financially independent.

Here are my details (all in INR):

1. Age: 26 (male)
2. Monthly expenses: 20k
3. Personal health insurance cover: 10 lacs
4. No dependents; planning only a court marriage later. My partner and I are child‑free.
5. Liquid assets: 16 lacs, mainly Indian and US equities
6. I own my parents' house in a Tier‑3 town and plan to live there most of my life.

I also have a few pieces of land, but they are in my father's name, so I'm not counting them for now.

Can anyone tell me how much corpus I need to sustain these expenses for the rest of my life? Different online calculators give me numbers ranging from 40 lacs to 1.2 cr.

As I mentioned, I'll keep my job. I'd like to take a little risk and start a consumer business in my hometown, but I need the peace of mind that a sufficient corpus is invested to cover my current ₹20k monthly spend, adjusted for inflation.