But with Mumbai's rental yields at 2–3% and stamp duty at 5–6%, how can I explain the significant cash flow gap during the waiting period for redevelopment? With so many cessed buildings struggling to obtain full society consent, is this really a safe bet for me?

NPS is good for long-term retirement plans as it offers market-linked returns and tax advantages, which makes it a more beneficial option than PPF or EPF as your income goes up.

If you exit NPS before the age of 60, it affects your money. In this situation, you can take out only 20% as cash, which is taxable, and the remaining 80% as annuitizing, which ultimately impacts your overall returns.