 Propose to include tax exemption for investment in (site/Land purchase) under housing loan exemption as middle & lower middleclass people savings are very limited and they cannot effort to buy site & build house in just 2 to 5 years as they will have 80-90% or equally expenses comparatively earnings if family run by one person and dependents are 5 (2 parents, 2 Kids & spouse) members who does not have any earnings.

 Propose income consideration based on no of dependents VS income earnings (there are people whose complete family earn & spend polling cost for house and other maintenance where each person gets tax benefits and can save a bit, but if the dependents are old aged & school going kids, expense is very much high, school fee, Medical Expense which is not covered under insurance even if person buy insurance coverage in this case one person gets tax benefits but overall earnings goes for Cost of liv

Suggestions
1. Salaried citizens who re payee ITR every year should be given benefits in term of convince in govt office n authority approvals.
2. Attractive incentives should be given for initative for plantation n water conservation in urban areas.
3.National defence treasury for deposit any funds without any questions.
4. More trains on heavy rush routes. Like golden quratriangle & north south n east west corridor.
5. Govt office timing n schedule shud b strictly adherencd

BUDGET FOR FREE EDUCATION UP TO 10TH CLASS AND REMOVE THE RESERVATION
Demonetization success Let be concentrate on un healthy reservation and subsidies.

The next Generation kids is the founders of national strength ... it always depend on brain capacity and skills of students not on reservation.

- Develop the skills and IQ knowledge for them by GIVING THEM HEALTHY FOOD / SHLTER / BOOKS / PHYSICAL FITNESS OF STUDENTS... IN ALL CASTS UP TO 10TH CLASS..

Govt. spend the expenses upto10th

BHIM app looks very good. Provide some benefits to encourage use of BHIM app. The benefits could be as below:
1. Cash back scheme ( 1% to 2%) on every transaction done on BHIM app.
2. Let all the mobile come pre-loaded with BHIM app.
3.

Please exempt all the disabled people from paying Income Tax. very small number of disabled people may be paying income tax as of now. If you exempt all of them, Good message will go to society towards the govt. This may not affect the income tax collection much.

From personal views,
REDUCE the percentage of rate of loans for farmers.
PLEASE PROVIDE MORE TICKET COLLECTOR specially for vendors.
Stops the Rs= 25/- monthly tickets.
Accelerate the rate of work for INDIAN RAILWAYS.
Provide solar with minimum EMI for reducing the coal energy.
REDUCES THE TAX RATE FOR TOURIST.

Personal I.T.:- 1) Please Abolish all exemptions, except education, insurance, housing. 2) Concept of short term / long term capital gains be abolished. 3) Make all investments including its interests, dividends, increments, if re-invested, tax free. Also make all interchange of investments tax free, as long as not withdrawn. Only the amount withdrawn for expenditure be taxed. 4) Please widen tax slabs, reduce rates, enhance basic exemption and make it inflation indexed.

Request you to ease the opening of Current Account in the bank for new business. The Banks ask for a govt. document in the name of the firm - ie either muncipality licence ( which requires fire noc and a premises) , or shops and establishments or any other licence issued by govt. The new entrepreneur in service sector ( no service tax upto 10 lakhs ) or an established entrepreneur has to run from pillar to post for one govt. document in the name of the firm and gets frustrated.

Please take proper steps to eradicate General passenger problems.... Add more compartment in each train soon