Ganesh Chaturthi is traditionally seen as an auspicious window for buying property in Mumbai, with developers using the festive season to sweeten deals and nudge homebuyers towards a purchase. But this year, the pitch is changing. The glitter of gold coins, stamp-duty waivers and overseas holidays is giving way to a more practical proposition, greater payment flexibility, from Buy Now, Pay Later (BNPL) to staggered and deferred payment plans.