I am least interested in the windfall which is  lakh crores or  crores This demonetisation has changed the psyche of people on hoarding money There will be in constant fear on hoarding even  Rs notes People have started moving to banking and started transacting thro digital payments and this helps expand tax base People who transact thro banks will be eligible to loans At present  poor borrow at  per month  they can move to banks for credit at  pa 

With GST indirect tax regime will be reformed and Direct tax regime reforms like taking out the exemptions are in process 

Tax rates for Registering lands should go down as NITI ayog is suggesting so that everything can happen in white Govt can use benami transaction act to prevent future frauds Demonetisation is base for reforms  Lata Venkatesh is highlighting only windfall gains of cash not depositedWe need to look at long term health of the economy