Top 5 exercises for lower belly fat :

1 - Planks: Planks are an effective exercise for targeting the lower belly fat. They work by engaging the core, including the lower abs, as well as the back and shoulders. To perform a plank, start by getting into a push-up position, with your hands directly under your shoulders and your feet hip-width apart. Hold this position for 30 seconds to a minute, then rest for a few seconds before repeating the exercise.

2 - Crunches: Crunches are another great exercise for targeting the lower belly fat. They work by contracting the abdominal muscles, which helps to tone the lower belly and strengthen the core. To perform a crunch, lie on your back with your knees bent and your feet flat on the floor. Place your hands behind your head and lift your shoulders off the ground, using your abdominal muscles.

3 - Leg raises: Leg raises are a great exercise for targeting the lower belly fat because they work the lower abs and hip flexors. To perform a leg raise, lie on your back with your hands at your sides. Slowly lift both legs off the ground, keeping them straight, and hold for a few seconds before lowering them back down.

4 - Russian twists: Russian twists are a great exercise for targeting the lower belly fat because they work the obliques, which are the muscles on the sides of the abdominal area. To perform a Russian twist, sit on the floor with your knees bent and your feet flat on the ground. Hold a weight or a medicine ball and twist your torso to the right, then to the left, tapping the weight or ball on the floor on either side of your hip.

5 - Bicycle crunches: Bicycle crunches are a great exercise for targeting the lower belly fat. They work by contracting the abdominal muscles, which helps to tone the lower belly and strengthen the core. To perform a bicycle crunch, lie on your back with your hands behind your head and your knees bent. Bring your right elbow towards your left knee as you straighten your right leg. Alternate sides, bringing your left elbow towards your right knee as you straighten your left leg.

In addition to these exercises, it's important to include cardio in your workout routine to burn fat and calories. Also, maintain a healthy diet and stay hydrated to achieve your goal. Remember to consult your doctor before starting any new exercise program.