Building J&Ks Place in Indias GCC Future
On 9 and 10 October 2026, something quite interesting is going to happen at IIM Jammu. The J&K GCC Summit 2026, being organised by IIM Jammu in collaboration with the Government of Jammu and Kashmir and in knowledge partnership with NASSCOM, will bring together some of the countrys leading Global Capability Centre (GCC) companies, policymakers, academics and industry leaders. But I believe the significance of these two days goes well beyond a summit. For perhaps the first time, some of the senior-most administrative leaders of Jammu and Kashmir will sit across the table with leaders of Indias GCC industry in a series of candid, no-holds-barred conversations about a question that matters deeply to us: What will it take for Jammu and Kashmir to enter Indias growing GCC ecosystem, and to do so as a credible Tier-2 and Tier-3 destination? That may sound like a familiar proposition at a business summit. It is not. Economic growth is ultimately driven by two sets of stakeholdersthe government that creates the enabling environment and the businesses that take the risk of investing in it. Genuine growth begins when these two sides are willing to listen to each other, ask difficult questions and speak honestly about what works and what does not. That is precisely the spirit in which we are approaching the J&K GCC Summit. Let me explain why In June 2025, a train crossed the Chenab on the worlds highest railway arch bridge, connecting the Kashmir Valley to the national rail network. The bridge was decades in the making. Its deeper value, however, can be expressed in one word that matters as much to an investor as it does to a traveller: predictability. A journey that once depended heavily on weather and a single highway can now be planned with greater certainty. That is the journey we want to begin for J&Ks GCC ecosystem. Building a significant GCC destination will not happen overnight. It may take years. Perhaps decades. But the journey can be made predictable if we learn from those who have already travelled it. Be they leading GCC companies or States that have successfully attracted such investments. That is why the Summit is bringing industry leaders together with representatives of States such as Gujarat, Bihar and Tamil Nadu, which have valuable lessons to share. We do not intend to reinvent the wheel. We want to understand what has worked elsewhere, what has not, and what can be adapted to J&Ks own circumstances. The opportunity before us India already hosts more than 2,200 capability centres employing around 1.9 million professionals and generating close to USD 65 billion in annual exports. Importantly, more than 220 of these centres have already chosen Tier-2 and Tier-3 cities. The next phase of the GCC story is increasingly moving beyond the established metropolitan centres, with locations outside the metros expected to account for a substantial share of the sectors future workforce. This is where J&K must position itself. The question is not whether Jammu and Kashmir can replicate Bengaluru, Hyderabad, Chennai or Pune. We should not try to become another metro. Our opportunity lies in becoming a different kind of GCC destination. Over the last decade, the case for J&K has changed significantly. Rail and road connectivity has been transformed and air connectivity has expanded. The Union Territory today has an institutional ecosystem that includes an IIM, an IIT and an AIIMS, alongside CSIR-IIIM, NIT Srinagar, the Islamic University of Science and Technology, Shri Mata Vaishno Devi University and the prestigious Universities of Jammu /Kashmir, among several other institutions offering new-age and specialised programmes. In addition to that we also have something that every GCC ultimately needshuman resource. Jammu and Kashmir has a young, educated and increasingly aspirational population. Its universities and technical institutions are producing talent across disciplines. Office, talent and utility costs remain competitive compared to established metropolitan locations. And the security environment today provides a foundation for businesses to plan for the long term. Yet a good proposition is not enough. An investor looking at a new location will ask some very practical questions. Who will take my decision? How long will my approvals take? Where will my people sit on the first day? And who will do the work? The answers to these questions can determine where a GCC chooses to locate, often more decisively than the headline value of an incentive. We have to answer each of them The first is facilitation. The hardest part of entering a new region for an established business is often not the investment itself, but understanding whom to approach and how to navigate the system. In J&K, an investor should not have to make multiple rounds of enquiries across Departments. The investor should have one phone call or one email to make. We therefore need a named facilitation officer, with the authority to convene Departments, resolve issues and remain accountable as a single point of contact for the prospective investor. If banks can provide relationship managers to their customers, there is no reason why government cannot provide the same degree of institutional ownership to an investor. The second question is time Approvals relating to registration, premises, power, fire safety and labour compliance should carry clear and published timelines. These should be tracked through the single-window system and, importantly, measured against actual performance. An investor can plan around a known timeline. It is uncertainty that stalls a project. Strict adherence to prescribed timelines translates to confidence which is quintessential for attracting investments. The third question is space and infrastructure J&K needs to identify and earmark ready-to-occupy office spaces in both Jammu and Srinagar, with floor plates, tenure and tariffs clearly stated in advance. A GCC that decides to come here should be able to occupy its premises within months, not years. The space has to exist before the decision is made. There is also a unique advantage here that few locations can offer. Jammu and Srinagar are two major cities within one Union Territory, under one administration, one policy framework and one institutional point of contact. They draw upon different talent pools and can potentially serve as primary and continuity locations for the same GCC. A company should be able to scale across both cities without having to navigate two different administrations. The fourth question is people Our commitment has to be simple: skilling must respond to actual employer demand. Here comes the role of Mission YUVA and our technical institutions. Mission YUVA, the Skill Development institutions, our universities and the ITI network being upgraded under PM-SETU must increasingly train people for specific roles, in specific numbers and within specific timelines. The Department of Labour and Employment, which is spearheading the organisation of the Summit, will have an important role in translating industry conversations into an actionable talent strategy. This is also where the GCC opportunity becomes much more than an investment proposition. A GCC does not merely bring an office. It brings new skills, new career paths, new technologies and new aspirations. For a young person in Jammu or Srinagar, the arrival of a global company should mean that a world-class career no longer necessarily requires leaving home for Bengaluru, Hyderabad, Mumbai or Delhi. That is the human dividend we must keep at the centre of this conversation. And then comes the most important question of all: Who will be the first? The first GCC centre matters disproportionately. Every subsequent investor will ask: Who else is already here? The answer today has to change from zero. An anchor GCC can do more than create direct employment. A centre employing 500 professionals can support a comparable ecosystem of opportunities in facilities, transport, hospitality, food services, professional services and other allied sectors. Securing that first anchor tenant is therefore not just another investment target. It is the decisive step in establishing confidence. The administration will concentrate its efforts accordingly. This is why the J&K GCC Summit matters. Every panel, every panellist, every question and every answer over these two days will be an opportunity for us to learn and, equally important, to allow industry to tell us what it needs from us. We are not approaching the Summit merely to showcase J&K. We are approaching it to listen. If we want global capability centres to look beyond the metros, then we must demonstrate that a Tier-2 or Tier-3 location can offer something equally compelling: access to talent, competitive costs, quality institutions, reliable infrastructure, responsive governance and, above all, confidence that commitments made today will hold tomorrow. Jammu and Kashmir has many of these ingredients. The task before us is to bring them together into an ecosystem that works. Our entrepreneurial spirit is gathering momentum. Our young people are increasingly looking towards new-age sectors and new forms of enterprise. The GCC ecosystem can benefit from this talent and ambition, even as its presence here can accelerate the development of that very ecosystem. The Path Forward I do not believe J&K needs to become the biggest GCC destination in India. I believe it can become one of the most differentiated. We have learnt something from building the Chenab Rail Bridge. Great journeys begin with an audacious idea, but they are completed through engineering, patience, persistence and thousands of smaller decisions made correctly along the way. The GCC journey will be no different. We have the ambition. We have the foundations. We have a growing pool of talent. What we now need is execution, industry partnership and the patience to build for the long term. The first J&K GCC Summit is therefore not the culmination of a journey. It is the beginning of one. And if we get the beginning right, I believe the destination is within reach. A GCC ecosystem that proves that the next generation of Indias growth need not come only from its largest cities, but can also emerge from its most promising Tier-2 and Tier-3 centres. Jammu and Kashmir is ready to make that journey. The promise is not that it will happen overnight. The promise is that we are ready to make it happen. (The writer is Chief Secretary, Government of Jammu and Kashmir)
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Digital Desk | Mumbai, Oct 7 (IANS) Nationalist Congress Party (NCP) national working president Praful Patel on Wednesday said it was demoralising for party workers across five districts, particularly in western Maharashtra, that the party did not retain the Pune Graduates Constituency for the Legislative Council election scheduled for October 23. Patel made the remarks a day after Maharashtra NCP president and Lok Sabha MP Sunil Tatkare termed the party's failure to secure the Pune Graduates Constituency within the ruling Mahayuti alliance a collective failure. It is certainly demoralising for our cadre in the five districts under which the Pune Graduates Constituency falls. The seat was with us, and we had won it on our symbol in the previous election, Patel said when asked about the Bharatiya Janata Party (BJP) contesting the seat instead of the NCP. Patel said the decision was finalised in a meeting involving Chief Minister Devendra Fadnavis and the two Deputy Chief Ministers, Eknath Shinde and Ajit Pawar. But now that the decision has been made, it will be contested as a Mahayuti seat, he said. Patel's remarks come amid claims by party sources that no prior meeting was held with senior NCP leaders before discussions on the matter took place. Party sources also pointed to the example of Deputy Chief Minister Eknath Shinde, who, despite the BJP announcing its candidate for the Pune Teachers' Constituency, allotted a ticket to Mangesh Chivate. According to a senior party leader, speaking on condition of anonymity, several leaders had suggested that the NCP should avoid making any commitment regarding the Pune Graduates seat as it previously belonged to the party. The leader claimed that negotiations involved only a limited number of leaders before the decision was finalised. The source further said that Shinde had fielded his party worker despite pressure from the BJP and had kept the window for negotiations open. On Tuesday, NCP state president Sunil Tatkare termed the development a collective failure. The Pune Graduates Constituency seat rightly belonged to the Nationalist Congress Party. However, it is a fact that the party did not get this seat. We must have fallen short somewhere, and this must be considered a collective failure, Tatkare had said on the last day for filing nominations for the Council elections. United NCP's Arun Lad had won the seat on the Clock symbol six years ago. His son, Sharad Lad, later joined the Bharatiya Janata Party (BJP) and was reportedly interested in contesting the seat. The BJP ultimately secured the seat and fielded Smita Jadhav as its candidate. Meanwhile, senior BJP leader and Higher and Technical Education Minister Chandrakant Patil has been appointed the overall campaign chief for the Mahayuti alliance for both the Pune Graduates and Pune Teachers constituencies. As far as the Maha Vikas Aghadi is concerned, its leaders, including Congress leader Satej Patil, are seeking to capitalise on cross-party rebellions within the Mahayuti to rally graduate voters across the Pune division, comprising Pune, Satara, Sangli, Solapur and Kolhapur districts. The Sharad Pawar-led NCP faction issued AB forms to both Pradeep Mane and Harshada Deshmukh-Jadhav ahead of the final nomination deadline as a tactical move.
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Digital Desk | Navi Mumbai, Oct 6 (IANS) Navi Mumbai International Airport (NMIA) is strengthening the passenger experience with expanded mobility, transit hospitality and airline support as more flights prepare to shift from capacity-constrained Chhatrapati Shivaji Maharaj International Airport (CSMIA) in Mumbai. The focus of NMIA, one of Indias largest greenfield airports and operated by Adani Airport Holdings Limited (AAHL), on customer comfort also extends to a futuristic digital art programme and experience zone designed to create a more soothing and engaging environment for passengers. The measures come ahead of the winter flying schedule, which runs from October 25, 2026, to March 27, 2027. Maharashtra State Road Transport Corporation will start electric e-Shivai services from October 7 to Dadar, Borivali and Pune, with fares of Rs 170, Rs 210 and Rs 450, respectively. Children below 12 years of age and women travelling with a National Common Mobility Card will be eligible for half-fare. Chalo operates 21 daily services to Marol, Bandra, Dadar and Colaba, while Navi Mumbai Municipal Transport runs seven dedicated airport routes. Bharat Taxi will begin operations with up to 40 vehicles from October 10. Cityflo, Aarya and Chalo will also operate a complimentary hourly shuttle between NMIA and CSMIA. The airports passenger transport network includes 3,787 app-based taxis, 184 car rentals, 171 autorickshaws and 547 buses. NMIA is also connected to Panvel, Targhar and Bamandongri suburban railway stations, as well as major road corridors including Atal Setu and the Sion-Panvel Highway. Inside Terminal 1, AAHL will open an 80-room Swirl Transit Hotel in mid-October, offering four-hour and overnight stays, showers, workstations, Wi-Fi and 24-hour dining. A 21-room Swirl property is also planned at Lokapriya Gopinath Bardoloi International Airport (LGBIA) in Guwahati. TajSATS flight kitchen at NMIA serves more than 40 departing flights a day, with capacity for 7,500 meals daily and expansion to 15,000 as demand rises. It serves domestic and international carriers, provides local meal uplift for international airlines, and adds to the culinary offering for passengers. TajSATS, which has more than four decades of aviation catering experience, also operates the flight kitchen at CSMIA.
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Phonsok Ladakhi named Ladakhs road safety ambassador
Srinagar, Oct 5:The Ladakh administration has appointed veteran actor, musician and social advocate Phonsok Ladakhi as the Union Territorys Road Safety Ambassador to promote traffic discipline and road safety across the high-altitude region. An order issued by the Regional Transport Office (RTO), Ladakh, said the appointment was made to strengthen road safety awareness and give a strong local identity to road safety initiatives in the Union Territory. Ladakhi is the first Bollywood actor from Ladakh and an alumnus of the Film and Television Institute of India (FTII), Pune. He is also an actor, singer, lyricist and composer and has worked in Indian films, television and theatre. The order described him as a prominent citizen of Ladakh with wide public acceptance and strong connections in the film industry. The appointment is purely honorary in nature, the order said, adding that Ladakhi will support the Transport Department and RTO in spreading road safety awareness through public messages, campaigns, media outreach and other suitable activities. He may also use his public goodwill and media presence to promote road safety initiatives in the larger public interest, it said. The RTO will coordinate with the road safety ambassador for effective utilisation of his services in ongoing and future road safety programmes. The appointment comes amid expanding road infrastructure, increasing local vehicular traffic and a continuous influx of tourist vehicles in Ladakh, making traffic management and road safety key concerns for the Union Territory. Officials said road safety in Ladakhs challenging terrain requires not only enforcement but also a culture of caution and respect for mountain driving norms. Road safety in a terrain as challenging as Ladakh demands not just strict enforcement, but a genuine culture of caution and respect for mountain driving norms, officials said. They said Ladakhis public reach across generations would help take road safety messages directly to people. As ambassador, Ladakhi will work with the Ladakh Transport Department, traffic police and civil society organisations to support targeted road safety awareness campaigns. Ladakhi trained in classical acting at FTII and went on to represent the Trans-Himalayan region in mainstream Indian cinema, television and theatre. He has also emerged as a cultural figure and advocate for social causes in Ladakh.
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What to Do When Your ID Shows a City You No Longer Live In
Your Aadhaar still shows your parents' address in the town you grew up in. You've been living in Pune for three years, renting a flat, working a steady job. Now you need a loan, and the application wants address proof you don't quite have in the right form. It's one of the most common paperwork snags in India, affecting almost anyone who moved for work, and it's far more fixable than it looks at first. Why the Mismatch Happens So Often Most people's official documents were created before they moved. Aadhaar, PAN and passport tend to carry the address of wherever you lived when you applied for them, usually a family home. Updating them takes effort that never quite reaches the top of the list, especially when everyday life doesn't require it. Then a loan application asks for proof of where you actually live, and the gap suddenly matters. Lenders see this constantly, which is precisely why the process accommodates it rather than treating it as a red flag. Do Lenders Actually Reject You for This? Rarely, on its own. A mismatch between your document address and your current city is an administrative issue, not a creditworthiness issue, and lenders assess it that way. What causes problems is failing to address the gap at all, or submitting paperwork that contradicts itself without explanation. Provide proof of where you live now alongside your existing documents and most applications proceed normally. It's worth reviewing a lender's personal loan eligibility requirements beforehand, since a few also have rules about which cities they serve, which is a separate consideration from your paperwork. Permanent Address and Current Address Are Different Things This distinction solves most of the confusion. Application forms usually ask for both a permanent address and a current or correspondence address, and they're not expected to match. Your permanent address is the one on your identity documents, typically your family home. Your current address is where you actually live and receive post. Filling in both honestly is the correct approach, not a workaround. The lender then verifies the current address separately, which is what the additional documents are for. Verification may also involve a phone call or, less commonly now, a visit, so make sure the contact details you give match the address you've declared. What Counts as Current Address Proof? Several documents can establish where you live now: - A rent agreement in your name, which many lenders prefer to be registered or notarised rather than a plain signed copy. - A utility bill in your name, such as electricity, gas or a postpaid phone connection, usually from the last few months. - A bank statement showing your current address, particularly from an account where you've already updated it. - A letter from your employer confirming your residential address, which carries weight for salaried applicants. - Your passport, if it was issued or updated after you moved. The practical difficulty is that renters often have none of these in their own name, since utilities frequently stay with the landlord. If that's your situation, a registered rent agreement combined with an employer letter is usually the strongest pairing available to you. Those sharing a flat where the agreement is in a flatmate's name face a harder version of the same problem, and asking to be named on the agreement at renewal is worth the small effort. Updating Aadhaar as a Longer-Term Fix Worth doing regardless of the loan. Aadhaar allows an address update, and once it reflects your current city, the mismatch disappears for every future application, not just this one. The update generally requires a supporting document such as a rent agreement or utility bill, and it takes some time to process, so it won't help if you need funds this week. Think of it as removing a recurring obstacle rather than solving today's problem. The same applies to updating the address on your bank account, which is usually quicker and makes your statements immediately useful as proof. What Should You Do Before Applying? A little preparation saves considerable back and forth. Gather whatever current address evidence you have and check the dates, since utility bills and statements are often required to be recent. Confirm with the lender which documents they accept for a current address, because the list varies and it's a two-minute question that prevents a rejected submission. Fill in both addresses on the form rather than leaving one blank or entering the same one twice. Above all, be accurate: submitting an address you don't actually live at creates a KYC problem far more serious than the inconvenience you were trying to avoid. The documents for personal loan applications are straightforward once you know which combination your lender wants. The Bottom Line An address that doesn't match your current city is ordinary, expected, and something lenders handle every day. Declare both your permanent and current addresses honestly, back the current one with a rent agreement, utility bill, bank statement or employer letter, and check in advance what your lender accepts. Then update your Aadhaar and bank records when you have a spare afternoon, so the next application doesn't raise the question at all.
Eknath Shinde meets PM Modi in Delhi, discusses Maharashtra drought
Maharashtra Deputy Chief Minister Eknath Shinde met Prime Minister Narendra Modi on Monday, during which the latter assured the Centre's support in tackling the drought. Speaking to reporters in New Delhi, Shinde said Modi held an extensive discussion on the drought situation in Maharashtra and enquired about the status of water, fodder, and crop damage. The meeting lasted an hour, said an aide of Shinde. The Maharashtra government on September 26 declared drought in 265 of its 358 talukas, or 74 per cent of the state, amid rainfall deficit. Shinde's meeting with Modi comes in the backdrop of a tussle between the Mahayuti allies Shiv Sena and the BJP over the MLC election for the Pune Teachers Constituency, a seat for which both the parties have announced candidates. Shinde said PM Modi sought details on water availability, agricultural conditions and fodder for livestock and assured the state of the Centre's support. The Deputy CM expressed confidence that substantial assistance
