its not only in India, they do it all around the world. the real price you pay: you will be 100% dependant on the system, gov. for life. They want to enslave everybody (probably you've seen how they robbed the mid-class in the west in the last few years - dont feel sorry for them, most of them fought for it, so they just got what they built, wanted). naive thinking that cents will get anybody out from poverty, also naive to think, that's really their interest, everybody have a nice standard of living.
Independency, and the last little pieces of the illusion of freedom. That's the cost of the cents what they throw you, meantime steal millions, billions, and even things what you cant measure by money...