In a city like Mumbai, I feel we’re oversimplifying things by calling flats "depreciating assets." While the building may lose value, isn’t the increasing land value and potential for redevelopment the key? Are we missing the bigger picture by not separating the physical building from the location's appreciation?

Does NPS always make sense for retirement savings given its tax advantages and flexibility, particularly when compared to PPF and EPF as income increases, and what are the effects of early closure on withdrawals and returns?