Eating large quantity rice, not exercising are rightly believed to be the causes of your excessive tummy fat but need not necessarily be just these 2 reasons. Losing tummy fat doesnt happen over night as it is like your bank fixed deposit. You dont spend your FD money when you are in need of money. You first finish cash in hand, then you take money from home locker and then your savings account and finally when all these are drained you go to FD money. Similarly tummy fat will be the last to be reduced and one needs much more discipline to lose it. Look for dieticians (Wootu Nutrition does it) who can give you a balanced diet and also a workout schedule. You need to be persistent and patient.. but yes it's possible.. All the best
Next Steps
Contact a dietician like Wootu Nutrition for a personalised diet chart and workout schedule
Health Tips
Don't do your own dieting from the internet. Don't cut down rice blindly.