I'd consider that as a UU for a separate Mughal civ. I think India proper should at least keep an Ancient/Classical Era Elephant unit. Still you can find some like the Iroquois at least fitting all three criteria. At least I view them as urbanized as Gaul was. My compromise would be making Akbar's capital Lahore, in modern-day Pakistan, leading a separate Mughal civ. Cities like Agra, which was known as Akbarabad during the Mughal Empire, would allow them to also have a different city list too. I have no idea if this would actually be a problem with people that play Civ in India or not? Be thankful we've never got the Sepoy.