Start early to avoid city traffic; drive north toward Kathgodam — the road journey is scenic through plains then hills and is the most flexible way to carry luggage to hill hotels.
Enjoy a relaxed dinner with local and continental options; Sakley's is popular for baked desserts and a cozy atmosphere on Mall Road (many eateries open until 9:30–10:00pm).
Visit this lakeside temple (open early morning) for views of the lake and to experience local religious life; it's right by the northern end of Naini Lake.
Take a 20–40 minute row/paddle/boat-ride to see the lake from the water and get classic Nainital views; public boat services typically run 9:00am–5:00pm.
Recommended: board an overnight Volvo bus or train from Kathgodam/nearby stations to Kanpur for a comfortable overnight return; check schedules in advance. If taking private car, expect ~9–10 hours to Kanpur.