Ultimately, whether this choice turns out be better or not, will be paradoxically known only many years later when there may be no savings done in early working years, as the absence of tax benefits made this individual move away from her saving habit. Given the fact that this new tax paying option nudges lakhs of individuals to spend and consume today, the move may work well for the economy for now, but the future may be different for the same individuals. Unless of course, by that time, India does have some government backed social security system, which is absent today..
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