Banking sector contagion risk:- USA banking crisis 2023 which started with Silicon valley bank to first republic bank and ended with Credit Suisse bank collapse is about to enter into second stage in sometime. Second stage will also start in USA with smaller banks collapsing. This will trigger mess in CDO & CDS market across globe and investment funds who are invested here are going to face a lot of Grief. A large global Investment bank can potentially collapse. Abhi to party shuru hone wali hai! All the Sins of past are going to come out now! Too much Alcohol consumption/cheap money is bound to create hangover!

When we deposit money into Bank we will get interest at max 6% but when we take loan from bank we get charged at min 11%. this difference should remove and 1 Bank 1 Interest rate should come whether it is lend side or buy side.

Unemployment is one of the major problem in India. Please start plan like PMRY for educated youth.

updating the Automobile act: Sections 82 to 85 (A) of the Central rules that had been 'waived' to allow buses with AITP to operate on any route. “This waiver permits them to operate just like stage-carriage buses and even permits them to enter bus stands and collect passengers who had booked tickets individually or as a group. . Even after the ruling in kerala Private buses are not allowed on National Highway as this route is operated by KSRTC and the Goverment is not allowing private byses lke Robin to operate between Pathanamthitta to Coimbatore via national Highway .The Bus operate and bus is taken in to custody by kerala RTO and Coimbatore RTO and forcing the bus company not to operate . This kind of sitwation are in all around the country . I wish the government should bring more reforms to support the prvate buses as the govemeent bus company is fully corrupt and makes lot of accident violation corruption and conflict on road

Regarding Debt Management:- overall debt is already at 80% on debt to GDP basis. If possible stop issuing new debt of more then 1 year maturity in 2024 calender year. This will improve overall credit rating and profile of government. Don't rollover old debt rather let it expire so debt burden don't increase. People shamelessly give Debt example of Japan not understanding disaster that country had seen. Prudent debt management is always welcome. 80% of GDP is red line which must not be crossed under any circumstances as apart from financial issues it will also affect Indias National Security.

Budget suggestions:- 1) give infrastructure status to shipping industry so they can loan from Indian banks, as of now no Indian Bank is ready to give loan to purchase ships or build new one in India. 2) Establish P&I club for insurance in India for Shipping company and ship brokers. 3) Create insurance marketplace equivalent of Lloyds of London in India. As lot of insurance products are not available in India 4) Create Indian rupee based freight index for road & waterways transportation like Baltic freight index 5) Create futures for refined petroleum products on MCX

Philosophical Question - For Finance Minister & PM Modi Are Banks, Mutual Funds & other market participants involved in creating a bubble condition in market which can be exploded before election in May, 2024 to destabilize Indian economy and affect outcome of election by swaying public opinion and create panic?

Ideas and Suggestions for Interim Union Budget

Please remove office intervention from GST Please 🙏

please remove officer intervention from GST,Income tax and other taxation systems. manual intervention leads harassment and corruption. please make robust system which remove or minimize leakage and manipulation. only 10% business do unethical practice and suffer 90%businesses. This also leads failure of ease of doing business concept. at the Era of technology government invest latest technologies which minimize harassment. for example toll tax property tax municipal tax lease agreement sale deed any many more government, ease and transparency done. this is humble request thanks a lot