Hi Tommy Hodgins Here are my comments..
- I am not doing a lot of programming these days. I mostly review PRs, comment on them and work with other team members to make code production ready. When I don't work late night, I come at around 10.30 am and leave at around 7/8 pm. But when I used to work for my previous company, I used to be at office at around 9 am and leave for home at around 6.30 pm. I think most software developers in India (who work for a company) follow this schedule. However, there are also startups who allow flexible timing i.e. you can come late (maybe 11/12) and leave office once you are done with your work.
- Frankly, the university curriculum didn't have anything substantial to offer. The courses like Java, C++, Algorithms, Web Technologies etc were fun, but didn't teach anything practical. I read and built things on my own and taught myself technologies that I use today. I am both trained and self-taught programmer.
- I live in Bangalore (aka Silicon Valley of India). The tech scene is pretty good here. There are a lot of conferences, tech events happening here all the time. Startups like us to big companies like Google, Amazon etc.. have set up their offices here. So, if you are a programmer or startupper - Bangalore is the place you should visit. Other Indian cities like Mumbai, Hyderabad, Chennai, Pune, NCR etc have good tech scene as well.
- Advice - If you live in India, it may be good idea to get a degree. But always be learning and never be afraid to teach yourself stuff outside college curriculum.
I fully agree with what Andre Staltz says:

Also, check out this AMA. Lots of interesting opinions.