Dear Sir / Madam Improving financial literacy Separate budget allocation to formulate a system, process to create financial literacy among people to handle Budgeting, Investing, Proper debt management, Better utilisation of financial resources Thanks

Respected Sir, on 2nd January 2026, i have posted, suggestions regarding life insurance selling in our country, in pdf attachment wrongly mentioned as removal of GST on life insurance policies from September 2024. Please read it as September 2025 J C JADHAV

Most Respected Madam VANAKKAM. My humble suggestions are as under: 1) The time is up for the Union government to bring all the major rivers across the country under its administrative control. Over the years, there has been a disturbing uptick in litigations for sharing the river waters. Moreover, discord and disharmony among various States have also increased. The situation can be overcome if the Central Government brings the rivers under its domain. Equitable distribution of river waters can be ensured and an impartial assessment and the operational need of waters that are bestowed upon the country by God could be arrived at, without causing rancour or misgivings among the beneficiary States. 2) Kindly explore the feasibility of increasing the number of eligible attempts for all the differently abled candidates in respect of Civil Services Examination from the existing Nine to Twelve please.

Namaste ji. Due to the Great Encouragement of our Honourable PM to Sports Activities, nowadays more Records hold by our Nation. To Achieve more and more, it is important to buy Sports accessories in affordable cost. I request you to make available in affordable costs to Sports shoes, Skirting shoes,Sports helmets,Badminton bats,swimming dresses and etc., With lesser local tax or import tax the availability of the above may give more relax to Sports People. I request you to consider my suggestion for strengthen our Honourable PM's Vision of Vikshit Bharat. Jai hind

In view of rising global conflicts and geopolitical uncertainty, I urge a rationalisation of excessive free supply schemes and a strategic redirection of resources towards national security. A calibrated increase in the defence budget is essential for modernisation, preparedness, and deterrence. I further recommend enhanced allocation for defence research and innovation, encouraging collaboration between DRDO, academia, startups, and private industry. Focused investment in the Defence Industrial Corridors of Uttar Pradesh and Tamil Nadu can strengthen indigenous defence manufacturing, generate skilled employment, and support India’s vision of self-reliance and defence exports.Additionally, prioritised investment in inland waterways connecting New Delhi/Noida to Haldia via the Yamuna–Ganga–Hooghly system can unlock the eastern economic corridor, reduce logistics costs, and act as a game-changer for Indo-ASEAN trade under the Act East Policy. From Pranjal Srivastava

Namaste ji. Make In India is one of the Great Revolutionary initiatives in Bharat's Historical Achievements after 2014. Honourable PM is very much interested to promote the usage of Khadi clothes. As a responsible Bharat Citizen and MyGov Saathi I'm wearing Khadi when the important occasions and once in a week compulsory. Because of cost,most of the people are not buying Khadi clothes. Eventhough discounts given, it looks costlier. I request you to encourage the Weavers for more production which may leads to economy buying. KVIC may be strengthened. Central Government offices and Centrally funded Higher Education Institutions maybe encouraged to wear Khadi compulsory atleast once in a week. Please speak sir. Jai hind

Most Respected Madam Vanakkam. My humble suggestions are as under: 1) The toda community in the Nilgiris District, Tamil Nadu has sizable population practising a unique culture, identity and religious customs. The women of this community have a significant expertise in making colourful shawls , with bright embroidery. What is needed is to promote the products rolled out by the tribal women on a global scale. They merit an enhanced level of encouragement as well please. 2) Inspite of having a slew of guidelines, instructions and a stringent law , the inhuman and unethical practice of MANUAL SCAVENGING is still prevalent in the country. Cleaning the sewers and septic tanks manually poses a grave risk to the people who are engaged for the purpose. Total mechanisation of the job needs to be ensured. 3) In order to give a fillip to the quality of higher education , particularly in various Universities across the country, it is imperative to regularise the services of Guest Faculty please

2Cr MARGINAL RELIEF Case A (Taxable Income ₹2,00,00,000): Total Tax = ₹66,73,680. Net Cash = ₹1,33,26,320. Case B (Taxable Income ₹2,08,92,800): Total Tax = ₹76,02,192. Net Cash = ₹1,32,90,608. ₹1,33,26,320 - ₹1,32,90,608 = ₹35,712 (Decreased). Case C (Taxable Income ₹2,09,51,400): Total Tax = ₹76,25,046. Net Cash = ₹1,33,26,354. YOU NEED ₹9,51,400 INCREMENT ONLY TO GET ₹34.

1Cr MARGINAL RELIEF Case A (Taxable Income ₹1,00,00,000): Total Tax = ₹29,51,520. Net Cash = ₹70,48,480. Case B (Taxable Income ₹1,01,96,900): Total Tax = ₹31,56,296. Net Cash = ₹70,40,604. ₹70,48,480 - ₹70,40,604 = ₹7,876 (Decreased). Case C (Taxable Income ₹1,02,09,300): Total Tax = ₹31,60777. Net Cash = ₹70,48,523. YOU NEED ₹2,09,300 INCREMENT ONLY TO GET ₹43.