From the UPenn website, the COA is now $82,298
Is “a bit of strain” breathtaking understatement, or is there more to this story? Where is the money going to come from for Wharton & Stanford? Also, why do you think you will get much Fin Aid at Stern? NYU is famously stingy with aid for domestic students never mind international students.
Harvard will probably take 5-6 students from India this year. Will you be one of them? Nobody here can give you any meaningful answer. You know that you are a credible candidate. You know something about the students from your school that are currently at Harvard, so you have an idea as to how comparable your record is. Beyond that, it’s a black box.
Anxiety is entirely natural and also entirely a waste of energy. You have good options at home, so there is no bad outcome, and it makes sense to apply only to reaches (esp if matches and safeties would be less than what you have at home).
ps, please try and cut down on the faux self-deprecating lol/lmaos- it gets old really fast.