I live in a fairly well-off suburb of south Bangalore that has NO municipal sewage or water supply. Mine isn't an isolated case either as large parts of Bangalore have neither. Also, large parts of Gurgaon, arguably India's largest new city.
So how do we make by? Apartment communities have their own sewage & waste water treatment plants; rain-water harvesting; private garbage disposal (we segregate into multiple categories); drinking water brought in by water tankers that pump ground water (which the law doesn't really protect).