agricultural banks are to set up separately and normal banks should not be involved agricultural banks controlled by officer who has got knowledge on agriculture and animals husbandry will yield bet results, .

all agricultural loans can not be highter than 4% since international lemnding rate is only 3.5 %

waiver of loans is a criminal offense rather insurance and incentives are the correct step

to start with for agriculture incentives for cultivation should be given and entire crops of the nation should be insured by the government no other subsidies fertilizer allow free import of machinery used for agriculture

another way of cuttting expenditures is stop all subsidies in total all these are only populist methods and does not yield results and most of them are misused by scruples people

clear policy guidelines for spending the money shoud be given to state governments

hoping theat honest chief ministers will come to different states allocated funds to state government should be audited by a separate cag committee

implementation cost of schemes is very high and duplicity is presence between the centre and state

Dissolve all NGOs working in India with foreign fundings the problem of country will automatically resolve.

I mean no private vehicle should be allowed in city areas during a definite duration set by government with local bodies.