If you want to reduce the lower body fat you need to reduce weight from all over body.For that you need to target on both dietary changes as well as proper exercise.
* Dietary changes-The main reason of fat on lower belly is the consumption of refined or processed carbohydrates like Maida.So first of all you should avoid the consumption of refined cereals.Also eat food low in saturated fats,avoid junk and fried foods,Avoid smoking and alcohol.Include lots of fresh fruits and vegetables. Try to eat short and frequent meals which will help to increase your metabolism. And drink plenty of water which will help to flush out all the harmful toxins from the body. These dietary changes will contribute in reducing the lower belly fat.
* Lifestyle changes-Don't make yourself a sedentary worker.If you will keep sitting at a place will result in increasing or accumulation of fat on your tummy.Try to take out some time from your busy schedule foe workout/exercises. Exercise plays a very important role in reducing belly fat. Exercises such as sit-ups,squats,crunches,curls will help strengthen your core. A stronger core, or midsection, will help you to build lean muscle mass. Lean muscle helps you helps you losing tummy fat faster.Doing this exercises will help in making your body a calorie burning machine and losing fat..Also combination of Cardio exercises and strength training will help.
So if you will make these changes it will surely help you in getting a perfect figure and reducing lower belly fat.