How old are you ?
Consider the implications:
A financial disaster.
1. SFBs lose out on 3 more extra years of income at(or close) to their highest salary level, typically attained just before retirement. This is often much needed money for critical reasons - kids college, daughter's marriage, buying a flat etc - all very expensive affairs.
2. SFBs retirement nest egg (and gratuity/pension) has 3 years less to grow. This is significant. For example if one starts at age 22 and invests 10000 every year till retirement (at 67) with growth compounded at 8%, he has 3865056. But if the same person starts at age 19, he has left with 4901321 - a difference of 1036265 !! There are similar devastating repurcussions on pension benefits (upto 40-50% difference !).
1. Late marriage, very often accompanied by late kids which again means SFBs have to bear big ticket items like their children's marriage and education out of their retirement income. If one choses to squeeze the time in between marriage and the first kid, its often a not-so-insignificant sacrifice of premium uncomplicated marriage time.
2. Many post graduate entrace examinations have age limits. In today's intense competition, our SFBs miss out on 3rd or 4th attempts with devastating consequences. For example, I know a person from UP who aligned his birth date so he could get the the maximum number of attempts at UPSC (for the Civil Service - IAS, IFS, IPS etc). And he got his birth certificate only after he cleared the entrance exams for engineering (so that the 3 attempts - thus 3 yrs- he spent for the engg entrace did not show).
3. Many SFB are employed outside Bengal. Here, the age difference becomes more pronounced. Their non SFB colleagues are younger, chirpier, more upbeat, happier and get married early. Early marriage is a neccessity in a conservative society like India if that society is to remain healthy. Our SFBs, bereft of their familiar social networks, not getting married until late, among other married couples, are lonely and miserable.
Very few parents will live to see their kids retire. Could this be the cause of the collective myopia blinding parents of SFBs to grossly underestimate the importance of an "early edge" in life ? Could it be that birth certificates are fudged much more readily outside of Bengal ? Or could it be due to some structural constraints of the Bengal school system ?
Whatever the reason, if you are a parent and your children go to school in Bengal, do whatever you can to shave off those 3 years.
Just do it.