The increasing frequency and intensity of heatwaves and urban flooding pose severe risks to India's urban population. Heat-related deaths could rise from 1.44 lakh annually to 3.28 lakh by 2050 if emissions remain high. Coastal flood damage is projected to escalate from ₹0.23 lakh crore in 2010 to ₹7.2 lakh crore by 2050. Additionally, heat has already caused ₹18.7 lakh crore in income losses in 2024 due to reduced work hours. The lack of preparedness is evident, with only 10 out of 126 cities having flood management plans. The financial gap for climate-ready urban infrastructure is estimated at ₹202 lakh crore by 2050.