Your retirement kitty is not tax-free in NPS, EPF and Superannuation funds: How outdated taxation is draining your savings, will Budget 2026 help?

Indian retirement schemes are not fully tax-exempt as commonly believed. Contribution and growth limits mean many salaried individuals face multiple taxes on their savings. Outdated exemption thresholds penalize middle-income earners. This disconnect between policy and economic reality discourages long-term investing. Will Budget 2026 help?