**(A) 1 : 8**

**From the question it is given that,**

Neelam’s annual income is ₹ 288000

Her annual savings amount to ₹ 36000

So, Neelam’s expenditure = 288000 – 36000

= ₹ 252000

Then, ratio of her savings to her expenditure = 36000/252000

= 36/252

**Divide both numerator and denominator by 12.**

= 3/21

**Again, divide both numerator and denominator by 3.**

= 1/7

**Therefore, ratio of her savings to her expenditure = 1 : 7**