The rapid deterioration of urban concrete infrastructure in India due to monsoon-induced cracking and rebar corrosion has reached a critical threshold in 2026. Traditional repair methods are labor-intensive and often fail to address internal micro-cracks. This paper investigates the engineering of Self-Healing Concrete utilizing Microbially Induced Carbonate Precipitation (MICP). By encapsulating Bacillus pseudofirmus spores within porous clay aggregates, we created a "living" structural matrix that remains dormant until structural fissuring occurs. Upon the ingress of moisture, the bacteria metabolize calcium precursors to precipitate Calcite ($CaCO_3$), effectively sealing cracks up to 0.8 mm in width. Our results demonstrate a 92% recovery in water-tightness and a significant extension of structural service life. This study provides a technical framework for autonomous infrastructure maintenance, supporting the transition toward resilient "Smart Cities" in the Indian urban landscape.