Sir/Madam Our PM Shri Modi Ji already set the target for to Double the Income of Farmers in 2022. For this we need firm policy decisions for micro level planning & execution for around 5 lakh rural villages - GOI launch National ICT enabled Green Villages Mission" to Rejuvenate all our Villages - Provide Irrigation facilities to all 141 million hectares- Interest free crop loan & all other farm loans @4% Interest - MSP with C2+50% Profit - Pro Farmer PMFBY - Sincerely Arupathy P.Kalyanam

Make agricultural income beyond 5L taxable at 5% or 10%. Double or triple taxes of junk foods, alcohol, ciggerette, all luxury items. Bring all health schemes under Ayushman Bharat. Include Pvt insurers also be part of it by paying premium to govt. Rate hospitals and fix tariff accordingly. Introduce BOT in all development areas like water ways, environment friendly tourism. Liberalise alternate energy completely and provide subsidy for battery vehicles. Target 50% reduction in crude import.

My suggestions :-
1. According to CAG report, about Rs 94000 crore of School and higher education proceeds collected through cess is lying underutilized in Consolidated fund of India. Please sped that amount of money in strengthening the network of KVs, Navodaya Vidyalays etc and provide world class infrastructure. Build model schools or set up an entirely new network of school focusing on age group 3-6 and provide them world class facilities.

Dear Finance Minstry Team I have several ideas which I have concized into 4 points which I could think as actionable at the moment and have direct impact in improving lives of the people at large.

Request you to consider all the 4 points favourably. Would always be willing to engage further.

Details are enclosed

I am submitting my suggestions for the forth coming Budgets. Regards.
Dr.K.N. Somasundaram

Madam Fin min:
please concentrate on Education loan mam poor family students are get 1lakh 2lakh loan from bank
well studied graduate also not able to get job
banks ask start to Pay loan Immediately completion of coursr

if it possible

give atleast 3 year time after completion of degree mam to start loan due mam

what we do if no job ? no income? poor family condition? future life settlement? this Bank torture alsooooo

To control inflation, more and more items of daily use to be included to distribute thru fair price shop like janaushadi sche under the food security act, by building strong public distribution system. Inflation is main cause for NPAs
To tackle it, please introduce by changing the norms for NPA of 90 days, as it is impractical in nature, it should be different for sectorwise,regionwise and it should on yearly basis and it should be announced in the union budget annually

Unemployment is a burning issue. With 4th generation technology like AI, Driver-less cars adding new jobs may not be easy. We require massive skill training and re-training. We may have go for under employed rather than unemployed. i.e. Instead of 40-48 hours week per a employee, it is preferable go for 20-24 hours per week for two employees.

Please remove LTCG tax on equity introduced in last year's budget. Investors are already taking high risk investing in equity. Or a slab could be introduced for tax on gains after 1, 2 and 3 years respectively.