@Deepak, yes in practise string length is usually limited and in that case we might go a step further and remove references and array entry too, eg (<100 chars):
=NPV(-0.9,,INDEX(IFERROR(--MID(A1,10*{9;8;7;6;5;4;3;2;1;0}+{9,8,7,6,5,4,3,2,1,0},1),""),))%
This method was originally just posted...