After some Googling, it seems that NFC hardware is either missing or software disabled in India. Some have enabled NFC by flashing the ROM with a global version, others have not been successful. I am sceptical, but I will give it a try.
In short summary, it does not work. The hardware is missing in the phone manufactured in India. Don't waste your time.
1. Settings, About phone, OS version, tap 7 times to enable developer mode.
2. Enable USB debugging.
3. Unlock bootloader. Needs a SIM.
5. adb.exe shell reboot bootloader
6. fastboot.exe oem unlock (token verify fails)
7. Two-step extraction of marble_global_images_OS1.0.12.0.UMRMIXM_20241107.0000.00_14.0_global_a15f262d18.tgz
8. Copy the address of marble_global_images_OS1.0.12.0.UMRMIXM_20241107.0000.00_14.0_global_a15f262d18\marble_global_images_OS1.0.12.0.UMRMIXM_14.0 into the address bar area of the MiFlash tool. Refresh leads to an unhandled exception. Fix by following https://www.youtube.com/watch?v=KaSCVJ3VrmY and try again.
9. Error
10. To unlock the bootloader tried https://en.miui.com/unlock/download_en.html. This is an old version that did not send OTPs. Tried some other unlock software like hypersploit, it probably did work but then I downloaded a new MiUnlock from another website and that worked and said that I had to wait another 73 hours.
11. Flashed with EU ROM
12. Google pay does not work. Google Pay says that the device does not meet security standards.
13. I found a useful software on Google Play Store called NFC check which says that the phone does not have NFC.
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