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Will pure petrol come from your fathers house: BJP MP Janardan Mishra defends ethanol policy

A movement is underway claiming that ethanol won't work, pure petrol will. Will pure petrol come from your father's house? If there's no pure petrol in the country, where will it come from, asked BJP MP Janardan Mishra

The Hindu 10 Aug 2026 11:01 am

This app is dropping curated mystery bags from your favourite cafes in Bengaluru

The newly launched Luckd app delivers ies surprise bags from bakeries and cafes, taking out the hassle of decision making. We speak to founder Akshay Bhartiya about the idea

The Hindu 10 Aug 2026 10:47 am

Filmmaker Shakeel Noorani held after aspiring actor alleges rape

Shakeel Noorani was traced to his farmhouse in Mahabaleshwar hill station, located more than 200 km from Mumbai, on August 8 after he went into hiding following the registration of an FIR against him

The Hindu 10 Aug 2026 10:42 am

Focus on underbellies of flyovers

The flyover at Mahalingapuram, Peters Road-Conran Smith Road junction and the ones near Music Academy, Narada Gana Sabha, Pantheon Road and North Usman Road are part of this project

The Hindu 10 Aug 2026 10:38 am

Applications open for NMIMS MBA on 20th August 2026, across six campuses

Applications open for NMIMS MBA on 20th August 2026, across six campuses

The Hindu 10 Aug 2026 10:30 am

Lakshmipuram gasifiercrematoriumawaits public use

Activists allege delay over trial run, while Corporation says maintenance arrangements have now been finalised

The Hindu 10 Aug 2026 10:13 am

Apple says Mac users in China can connect to Alibaba's Qwen AI service

Qwen is Chinese ecommerce giant Alibabas family of generative-AI models

The Hindu 10 Aug 2026 10:02 am

Indian student arrested in Germany for girlfriends murder in Arizona

Through close coordination between TPD, the FBI Tucson Office and the FBI Legal Attache Office in Berlin, Batchigari was taken into custody upon his arrival in Germany, preventing him from continuing his travel, Tucson Police said in a statement

The Hindu 10 Aug 2026 9:37 am

Jharkhand student protests: Security tightened, prohibitory orders clamped ahead of march

n view of the possibility of unrest during the students proposed march to the state assembly, the police administration has been put on alert, ADG (Headquarters) Manoj Kaushik said

The Hindu 10 Aug 2026 9:09 am

Meta will soon face another high-stakes trial in U.S.

The federal trial, one of the most consequential among a myriad of legal proceedings targeting social networks in the United States, will begin on August 12, 2026 with jury selection at a federal court in Oakland

The Hindu 10 Aug 2026 8:39 am

XTEP Partners with Techcombank Ho Chi Minh City International Marathon on Five-Year Strategic Alliance to Grow Vietnam's Running Community

XTEP Partners with Techcombank Ho Chi Minh City International Marathon on Five-Year Strategic Alliance to Grow Vietnam's Running Community

The Hindu 10 Aug 2026 8:30 am

Kanwar Yatra 2026: Traffic restrictions in Delhi, U.P., and Haryana

Due to the Kanwar Yatra, specific advisories have been issued by authorities to ease the commute of citizens of Uttar Pradesh, Delhi, and Haryana

The Hindu 10 Aug 2026 8:22 am

El-Sayed spoke with Obama as Michigan Democrats look to unite after a bitter Senate primary

Michigan Senate candidate Abdul El-Sayed says hes spoken with Barack Obama and hopes the former President will campaign with him

The Hindu 10 Aug 2026 7:56 am

Nazira mother dies after seeing sons body in double tragedy

A 48-year-old woman died after collapsing on seeing the body of her 31-year-old son, who was killed in a road accident, adding another tragedy to the suffering in flood-hit Nazira. Dhiren Gogoi, a dri

Assam Times 10 Aug 2026 7:48 am

Flood-hit Nazira school struggles to reopen as silt chokes campus

A government Assamese-medium school in flood-hit Nazira is struggling to resume normal classes after the recent floods left its campus buried under thick layers of silt and debris. Nazira Adarsha Vidy

Assam Times 10 Aug 2026 7:45 am

West Asia war LIVE: Iran ties Strait of Hormuz reopening to U.S. concessions on several demands

Iran and the U.S. are not engaged in direct talks, and Tehran will not start them as long as Washington breaches an interim deal signed in June, Mr. Aragchi said, adding that messages were being exchanged through intermediaries.

The Hindu 10 Aug 2026 6:55 am

Russia says it captures two villages in eastern Ukraine, Kyiv reports frontline battles

The Russia Defence Ministry said Russian forces had seized Vasyutinske, a few kilometers east of the fortress city of Kramatorsk, and Toretsk, southwest of the city of Druzhkivka

The Hindu 10 Aug 2026 5:05 am

Several injured in Denmark in suspected underworld shooting: police

Police said in a statement they were present at several locations in Holbaek, about 70 km west of Copenhagen, following a shooting in which multiple people have been hit

The Hindu 10 Aug 2026 4:25 am

Israeli military closes Palestinian Christian village Taybeh, citing settler attacks

An Israeli military spokesperson said turning Taybeh into a closed military zone was due to some violent attacks by Israelis in the region.

The Hindu 10 Aug 2026 4:15 am

Pushing One Health approach, U.P. priorities early identification and reporting of emerging zoonotic diseases

Mukesh Kumar Meshram, Additional Chief Secretary, Animal Husbandry, Dairy Development and Fisheries Department said that under the RISE Global Health Security (RISE GHS) Project, the Animal Husbandry Department, in collaboration with the Forest and Wildlife Department, successfully conducted active surveillance for Avian Influenza among wild migratory birds at 19 Ramsar and other important wetland sites

The Hindu 10 Aug 2026 3:47 am

Protests on Nashik-Pune highway against revised Nashik-Pune railway route

MLC Satyajeet Tambe, nephew of Congress leader Balasaheb Thorat, was detained by police.

The Hindu 10 Aug 2026 2:38 am

Podium finish: On India at the Glasgow Commonwealth Games

Indias women boxers were the highlight of the Glasgow Commonwealth Games

The Hindu 10 Aug 2026 1:42 am

Xi Jinpings doctrine for a self-governing party

It is difficult to overstate the scale of Mr. Xis anti-corruption campaign. Between 2012 and 2025, some 7.011 million party members were disciplined or dismissed

The Hindu 10 Aug 2026 1:37 am

Fernandez secures dominant British MotoGP victory, Martin extends championship lead

The victory was Raul Fernandezs second in MotoGP and his first since last years Australian Grand Prix, completing an impressive recovery from a crash in Saturdays sprint

The Hindu 10 Aug 2026 1:32 am

India coach Park reaping the rewards of hard work

For Park Tae-Sang, it is not just a fortnight of good results. It offers a glimpse of his work that he has been putting in Indian badminton, building players who, he hopes, can become the next generation of Indian stars

The Hindu 10 Aug 2026 1:26 am

Rice scam unfolding in Delhi: AAP; large-scale lapses under Kejriwal exposed by CAG: BJP

Govt. mum over racket unearthed by Centre, Sirsa must resign, says Bharadwaj; Parvesh denies allegations; Food Supplies Minister threatens legal action, gives AAP 24 hours to issue an apology

The Hindu 10 Aug 2026 1:26 am

Sanya Vats finishes runner-up in Ballarat Open squash

Sanya Vats went down 6-11, 8-11, 6-11 to top seed and local favourite Sarah Cardwell in the womens final

The Hindu 10 Aug 2026 1:19 am

Three persons held for possession of 96 kg of ganja in Ranipet

Cases were registered and the arrested persons were lodged at Central Prison in Vellore

The Hindu 10 Aug 2026 1:11 am

Three burglars held for stealing gold ornaments, cash in Vellore

The police also recovered lost jewellery from the gang

The Hindu 10 Aug 2026 1:10 am

Rally to mark World Breastfeeding Awareness Week held in Vellore

Doctors, nurses, nursing college students, and hospital staff participated in the rally

The Hindu 10 Aug 2026 1:09 am

Annual sports day held in Vellore

The Hindu 10 Aug 2026 1:08 am

Rhinoplasty in Kashmir: Expert shares causes, challenges, advances

Nasal reconstruction, or rhinoplasty, is a highly specialised procedure that requires advanced surgical expertise and meticulous planning. In Kashmir, growing awareness, improved surgical expertise, and an increasing number of patients seeking correction of nasal deformities have brought rhinoplasty into greater focus. While demand for the procedure is rising, ensuring optimal functional and aesthetic outcomes remains a challenge. In an interview withRising Kashmir Health Correspondent Mansoor Peer, Dr Shafqat Islam, Senior Consultant and Head of the Postgraduate Department of ENT at JLNM Hospital, Srinagar, and a National Faculty for Rhinoplasty, discusses the common nasal deformities seen in Kashmir, latest advances in reconstructive surgery, challenges surgeons face, the role of social media in raising awareness, and why timely treatment after nasal injuries is crucial. RK: What are the most common reasons patients in Kashmir require nasal reconstruction? Dr Shafqat Islam: Rhinoplasty, or nasal reconstruction, is a highly specialised surgery that requires considerable expertise and experience. The most common patients we see have external nasal deformities such as crooked noses, depressed nasal dorsum, hump nose, over-projected nose, deviation of the nasal axis, cleft nasal deformities, and Binder's nose. These conditions may be congenital, developmental, or the result of trauma. RK: Have you noticed an increase in cases due to road accidents, trauma, burns, or cancer? Dr Shafqat Islam: Yes, there has been a definite increase in the number of patients seeking consultation and undergoing rhinoplasty. This rise is largely due to greater awareness through social media and the availability of surgeons in Kashmir who are now performing these advanced procedures successfully. RK: Have you noticed an increase in cases due to road accidents, trauma, burns, or cancer? Dr Shafqat Islam: Performing rhinoplasty is challenging in both government and private hospitals because patients today have very high expectations regarding surgical outcomes, largely influenced by social media. As surgeons, we must continuously upgrade our knowledge and skills by adopting the latest techniques to achieve the best possible results and meet patients' expectations. RK: How do you explain the difference between cosmetic rhinoplasty and reconstructive nasal surgery? Dr Shafqat Islam: Unlike many patients in Western countries, who often seek cosmetic correction for minor imperfections, patients in Kashmir usually require both functional and aesthetic correction. They not only want to improve the appearance of their nose but also restore proper breathing, often because of significant deformities caused by trauma or congenital conditions. With increasing awareness through social media, patients now come with better knowledge of the available treatment options. RK: How important is early treatment after nasal injuries, and what mistakes do patients commonly make? Dr Shafqat Islam: Traumatic nasal deformities constitute a large proportion of the patients requiring reconstructive surgery. Unfortunately, many patients delay treatment after sustaining nasal fractures or facial injuries. Early diagnosis and timely management can often prevent permanent deformities and reduce the need for complex reconstruction later. Greater awareness is needed among both the public and healthcare providers regarding the importance of early intervention. RK: What advanced techniques are available for nasal reconstruction, and can patients access them locally? Dr Shafqat Islam: We perform all the latest rhinoplasty and nasal reconstruction techniques currently practiced worldwide. Alhamdulillah, the high level of patient satisfaction reflects the quality of care we provide. We are also treating a significant number of patients from outside Jammu and Kashmir, including those from Gulf countries and the United Kingdom, who come here specifically for these procedures. RK: What message would you give people about preventing nasal injuries and seeking timely care? Dr Shafqat Islam: My message is simple: people with traumatic or congenital nasal deformities should know that the expertise and experience required for these surgeries are available here in Kashmir. At the same time, everyone should take precautions to prevent road traffic accidents and facial injuries, particularly among school-going children. Most importantly, seeking expert medical advice immediately after a nasal injury can make a significant difference in the final outcome. RK: How important is social media in creating awareness about rhinoplasty? Dr Shafqat Islam: Social media has become an effective platform for educating people about rhinoplasty and nasal reconstruction. A significant number of our patients now reach us after learning about these procedures online. Besides social media, we regularly conduct Continuing Medical Education (CME) programmes and rhinoplasty workshops to spread awareness among both patients and healthcare professionals. I have also been invited as operating faculty at numerous state and national conferences and workshops, where I perform live surgeries and train fellow ENT surgeons in the latest rhinoplasty techniques.

RisingKashmir 10 Aug 2026 1:05 am

French firm completes consumer survey of over 1 lakh households in Kochi

KWA pipeline network to be designed based on findings of consumer, structural, water-flow and condition assessment surveys

The Hindu 10 Aug 2026 1:04 am

Transporters get relief as Parivahan portal reactivated

Srinagar, Aug 09: Transport authorities in Jammu and Kashmir have restored the facility for payment of fitness fees and related documentation on the Parivahan portal, providing relief to commercial vehicle operators who had been unable to complete mandatory fitness formalities for several weeks. The decision comes after a Rising Kashmir report highlighted the difficulties faced by transporters following delays in operationalising Automated Testing Stations (ATS) in several districts. With manual fitness testing halted in the affected areas and ATS facilities yet to become fully operational, a large number of commercial vehicle operators were unable to renew their fitness certificates and complete related statutory formalities. The situation had left transporters facing uncertainty, financial losses and the risk of penalties for operating vehicles without updated fitness documents. Officials said the online facility for payment of fitness fees and processing of related documentation will remain available in the respective districts until the ATS centres are commissioned and become fully operational. The move has been welcomed by transport bodies, including the All India Motor Transport Congress (AIMTC) and the J&K Transport Welfare Association, among other transporters' unions. Transport representatives said the restoration would provide immediate relief to operators who had been struggling to keep their vehicles compliant with statutory requirements. The sudden halt in fitness renewals created immense uncertainty and daily losses for fleet owners. Restoring the portal gives us much-needed relief and allows transport operations to continue, a senior transporter representative said. The interim arrangement is expected to ease pressure on commercial operators while the authorities complete the process of establishing and commissioning ATS facilities across the affected districts. Transporters said the restoration of the online services would also help prevent disruption to public transport and movement of essential goods, while providing authorities additional time to put the automated testing infrastructure in place.

RisingKashmir 10 Aug 2026 1:01 am

Coimbatore-based industrialist honoured

The Hindu 10 Aug 2026 1:01 am

Years of Meetings, Reconstituted Committees, Yet No Roadmap: J&K's EV Policy Still Missing

S. UMAR BHAT The Cost of Administrative Inertia The global transition to sustainable mobility is no longer a distant environmental ideal; it is an urgent economic, ecological, and urban planning imperative. Across India, Union Territories and States have aggressively rolled out dedicated Electric Vehicle (EV) policies backed by direct capital subsidies, state-level tax reimbursements, power tariff rationalization, and targeted charging infrastructure mandates. In sharp contrast, the Union Territory of Jammu & Kashmir presents a frustrating paradox. While J&K possesses immense hydroelectric potential, an ecologically sensitive mountain topography, and rapidly deteriorating urban air quality in major centers like Srinagar and Jammu, its policy framework for electric mobility remains frozen in a perpetual cycle of administrative deliberations, committee re-constitutions, and draft notifications. While neighbouring regionsmost notably UT Ladakhhave operationalized comprehensive, citizen-centric EV policies that provide direct purchase incentives and robust infrastructure frameworks, J&Ks official response has largely been confined to a singular, piecemeal relief: a road tax exemption issued in early 2021. For a region striving to build future-ready, smart urban transit systems and reduce its reliance on fossil fuel imports, relying on isolated tax cuts in lieu of a holistic EV policy is an unsustainable approach. This comprehensive analysis examines the administrative history of J&Ks EV policy deliberations, compares its status with UT Ladakh and other progressive jurisdictions, highlights the structural flaws of the current inter-departmental setup, and outlines an actionable blueprint required to unlock EV incentives and benefits for every citizen of Jammu & Kashmir. A Timeline of Delays To understand why Jammu & Kashmir lags behind in the electric mobility landscape, one must trace the trail of government orders, notifications, and committee reconstitutions that have spanned several years without producing a fully functional, subsidized EV ecosystem. Base Taxation Revision (SRO-492) August 01, 2019: The Transport Department issued SRO-492 under the Jammu and Kashmir Motor Vehicle Taxation Act, 1957, establishing revised tax structures for motor vehicles operating within the state, laying the groundwork for subsequent partial modifications. Road Tax Exemption Notification (S.O. 25) January 25, 2021: Under Notification S.O. 25 (Ref: No TR-11/MVD/2016-I), issued under Section 9 of the J&K Motor Vehicle Taxation Act, 1957, Commissioner/Secretary Hirdesh Kumar, IAS, fully exempted Electric Vehicles, agricultural tractors up to 3000cc, and motorized tricycles for specially-abled persons from Road/Token tax. First EV Committee Formed (Order No. 1264-JK(GAD) of 2022) October 20, 2022: The General Administration Department (GAD) issued Government Order No. 1264-JK(GAD) of 2022, constituting the first high-level inter-departmental committee to draft a comprehensive Electric Vehicle Policy for Jammu & Kashmir. UT Ladakh Notifies Full EV Policy (Order No. 09-Trans (UTL) of 2022) August 17, 2022: While J&K remained in initial committee discussions, the UT Administration of Ladakh formally adopted and operationalized the Ladakh Electric Vehicle and Allied Infrastructure Policy, 2022, guaranteeing direct purchase incentives and charging subsidies for commercial and non-commercial buyers alike. Re-Constitution of J&K EV Committee (Order No. 1109-JK(GAD) of 2024) May 29, 2024: Via Government Order No. 1109-JK(GAD) of 2024 (Ref: U. No. TRPT-PS/6/2024-01), Commissioner/Secretary Sanjeev Verma, IAS, reconstituted the EV formulation committee under the Chairmanship of the Administrative Secretary, Power Development Department, keeping terms of reference unchanged. Draft EV Policy Circulated (Order No. 82-JK(TR) of 2025) October 27, 2025: The Transport Department issued Government Order No. 82-JK(TR) of 2025 releasing a Draft Electric Vehicle Policy for institutional review and stakeholder comments, marking another step in an extended drafting phase. UT Ladakh vs. UT Jammu & Kashmir The stark difference between a notified, actionable policy and an ongoing administrative deliberation becomes obvious when comparing UT Ladakhs operational policy with Jammu & Kashmirs current regulatory status. While Ladakh executed a clear administrative mandate via Order No. 09-Trans (UTL) of 2022 on 17.08.2022, J&K citizens remain limited to the standalone road tax exemption granted under Notification S.O. 25, dated 25.01.2021. The adoption of the Ladakh Electric Vehicle and Allied Infrastructure Policy, 2022 serves as an ideal reference for J&K. Order No. 09-Trans (UTL) of 2022 states explicitly: Sanction is hereby accorded to the adoption of Ladakh Electric Vehicle and Allied Infrastructure Policy, 2022 as per annexure - I & II appended to this order for its implementation w.e.f 17.08.2022. All commercial/non-commercial e-vehicles purchased/procured from the date of implementation of this policy shall be entitled to avail incentives as provided. By establishing a clear effective date and attaching structured incentive annexures, Ladakh ensured that buyers, commercial fleet operators, auto-dealers, and charge-point operators (CPOs) could immediately calculate payback periods and claim financial incentives. Jammu & Kashmir, on the other hand, has allowed a two-year gap between its initial committee constitution in October 2022 and its re-constitution in May 2024, leaving buyers and investors uncertain about future incentives. Deconstructing J&Ks Re-Constituted Committee: The Institutional Setup On May 29, 2024, the Government of Jammu & Kashmir issued **Government Order No. 1109-JK(GAD) of 2024, under the signature of Commissioner/Secretary Sanjeev Verma, IAS. This order partially modified the earlier Government Order No. 1264-JK(GAD) of 2022 dated October 20, 2022, re-constituting the inter-departmental committee tasked with formulating the state's EV Policy. While placing the Power Development Department (PDD) at the head of the committee acknowledges the vital link between grid readiness and electric mobility, this setup has contributed to institutional delays: 1. Conflict of Administrative Priorities: The Power Development Department naturally focuses on aggregate revenue requirement (ARR), distribution transformer (DT) loads, power purchase agreements (PPAs), and AT&C loss reductions. EV mobility policy formulation requires a transport-centric focus driven by urban planning, vehicular emission targets, and consumer purchase incentives. 2. Budget Allocation Hesitancy: Without a designated Nodal Agency with an allocated budget, the committee struggles to assign financial responsibility for purchase subsidies. The Finance Department (DG Budget) requires clear fiscal outlays, while Industries & Commerce and Transport debate who administers subsidy portals. 3. Unchanged Terms of Reference (ToR): Govt Order 1109-JK(GAD) of 2024 explicitly notes that *the terms of reference of the Committee... shall remain unchanged.* Re-constituting a committees membership without refining its execution mandate or setting strict, time-bound deadlines for final notification often results in repeated inter-departmental referrals rather than actionable policy delivery. The Flaw of Relying Solely on S.O. 25: Why Tax Exemption Is Not a Complete Policy On January 25, 2021, the Transport Department issued Notification S.O. 25 (No: TR-11/MVD/2016-I), signed by Commissioner/Secretary Hirdesh Kumar, IAS. Issued under Section 9 of the *Jammu and Kashmir Motor Vehicle Taxation Act, 1957, it partially modified SRO-492 of 2019 by exempting three vehicle categories from Road/Token Tax: 1. Agricultural Tractors and Power Tillers with engine emission capacity up to 3000cc. 2. All Electric Vehicles. 3. Motorized tricycles for Specially Abled Persons. While Notification S.O. 25 provided a helpful initial tax exemption, treating it as a substitute for a full EV policy overlooks critical industry realities: Current Relief (S.O. 25): What J&K Citizens Actually Need: Road Tax Exemption VS Upfront Capital Purchase Subsidies. Token Tax Waiver Dedicated Low EV Charging Tariffs. Fast-Track Grid Allocations. Private CPO Capital Grants. Battery Swapping Framework. Commercial Fleet Conversion Caps. The Unaddressed Gaps 1. Initial Acquisition Cost (Sticker Shock): Battery electric vehicles (BEVs) carry an upfront cost premium of 30% to 50% compared to Internal Combustion Engine (ICE) vehicles. A road tax waiver saves between 6% and 12% on the vehicle's base cost, which is insufficient to bridge the price gap for middle-income buyers, auto-rickshaw drivers, or small transport operators. 2. Central Incentive Limitations: The central PM E-DRIVE scheme (which succeeded FAME-II) focuses its demand incentives primarily on electric two-wheelers, three-wheelers, e-buses, and commercial trucks. It explicitly excludes private four-wheeler passenger cars from direct cash subsidies. Furthermore, central income tax benefits under Section 80EEB expired for loans sanctioned after March 31, 2023. As a result, J&K buyers receive no state-level cash subsidies to offset the purchase price of electric passenger cars. 3. Public Charging Infrastructure Deficit: Setting up a Fast Public Charging Station (PCS) requires high upfront capital expenditure for high-voltage LT/HT connections, transformers, and charger hardware. Without state-sponsored capital grants (e.g., a 25% to 50% CAPEX subsidy for early CPOs), private investors face unviable payback timelines. 4. Tariff Distortions: Without a unified state policy, charging stations are often billed under standard commercial tariff slabs rather than a subsidized, single-part EV tariff. This inflates the cost per kilowatt-hour (kWh) for end-users, reducing the operational savings of switching to electric vehicles. Environmental and Economic Realities in Jammu & Kashmir The delay in finalising an EV policy carries real-world environmental and economic costs for Jammu & Kashmir. ENVIRONMENTAL & ECONOMIC PRESSURES IN J&K 1. Ecological Fragility and Climate Impacts The Kashmir Valley and the mountainous terrain of Jammu are ecologically sensitive zones. Vehicle emissions contribute black carbon and fine particulate matter (PM_{2.5} and PM_{10}), which accelerate snow melting and worsen seasonal air quality during winter inversions. 2. The Fuel Import Burden Jammu & Kashmir imports all of its petroleum products from other states. Every liter of petrol or diesel consumed represents an outflow of capital from the local economy. Transitioning to electric mobility powered by domestic hydroelectricity keeps energy spending within the UT, improving long-term economic resilience. 3. Cold-Climate Operational Challenges Operating EVs in cold climates requires specific infrastructure planning. Cold temperatures affect lithium-ion battery chemistry, temporarily reducing operating range by 20% to 35% and slowing charging speeds. A well-designed EV policy for J&K must account for these cold-weather realities by supporting battery pre-heating technology, sheltered charging hubs, and thermal management standards. What J&Ks EV Policy Must Deliver: An Actionable Blueprint To transition from draft notifications to an operational framework, the Transport Department, Power Development Department, and Finance Department must adopt a comprehensive policy structure. The following steps outline the critical components required for an effective policy: 1. Establish Direct Capital Subsidies & SGST Reimbursement Overcoming the initial purchase price barrier Notify a clear purchase incentive scheme offering fixed subsidies per kWh of battery capacity: Electric 2-Wheelers: 5,000 per kWh up to a maximum cap of 15,000 per vehicle for the first 20,000 registrations. Electric 3-Wheelers / E-Autorickshaws: 10,000 per kWh capped at 30,000 per vehicle with expedited commercial permits. Electric 4-Wheelers (Cars): Direct state purchase incentive of 10,000 per kWh (capped at 1.5 Lakh) for the first 5,000 buyers, alongside a 100% State GST (SGST) reimbursement. 2. Rationalise Power Tariffs and Fast-Track Grid Allocations Managed by the Power Development Department Establish a dedicated, single-part electricity tariff for all Public Charging Stations (PCS) and Battery Swapping Stations (BSS) capped at cost-to-serve rates (not exceeding 4.50 to 5.50 per unit). Mandate PDD to provide HT/LT power connections for EV charging stations within 15 days of application under a single-window clearance system. 3. Mandate Charging Infrastructure Setup in Urban Centers Coordinated by HUDD, SMC, and JMC Amend local building bye-laws via the Housing & Urban Development Department to ensure: All new commercial complexes, residential apartments, and shopping malls allocate at least 20% of their parking capacity for EV charging points. Municipal Corporations (SMC and JMC) provide land at concessional rates or revenue-sharing models for fast-charging hubs at bus stands, taxi ranks, and public parking lots. 4. Drive Public Transport and Commercial Fleet Conversion Executing a structured fleet transformation strategy Set clear, time-bound targets for public transit and commercial fleets: JKRTC Buses: Require 100% of new urban bus procurements for Srinagar and Jammu smart city routes to be zero-emission electric buses. Commercial Taxis & Aggregators: Phase in mandatory electrification quotas for cab aggregators and tourist taxi operators, supported by concessional loan interest rates through J&K Bank. 5. Implement Cold-Weather Battery and Safety Standards Ensuring year-round operational reliability Incorporate technical specifications into state guidelines requiring public chargers and commercial fleet EVs to support cold-climate thermal management systems, battery pre-conditioning, and standardized safety compliance suited to winter temperatures across Kashmir and highland regions. Detailed Financial Framework: Bridging the Cost Gap To illustrate why a state-level purchase subsidy is necessary, consider the financial breakdown for an average consumer purchasing a mid-range electric passenger vehicle in Jammu & Kashmir: Baseline Ex-Showroom Price: 12,000,000 (Approx. $14,500 equivalent) WITHOUT STATE POLICY (Current Status): [Ex-Showroom Price] + [Registration Costs] - [S.O. 25 Road Tax Waiver (~8%)] = High Net Outlay (~11,30,000) WITH PROPOSED STATE POLICY: [Ex-Showroom Price] - State Capital Subsidy (1,20,000) - 100% SGST Reimbursement (~60,000) - Full Road Tax Waiver (S.O. 25) - Registration Fee Waiver Affordable Net Outlay (~9,50,000) --> 16% Additional Upfront Savings Payback Analysis for Commercial E-Auto Rickshaws For local transport operators in Srinagar or Jammu, switching from a conventional diesel or petrol auto-rickshaw to an electric 3-wheeler provides significant operational savings: Metric | Conventional ICE Auto-Rickshaw | Electric Auto-Rickshaw (e-3W) Daily Running Distance | 80 km | 80 km | Fuel / Energy Cost per km | ~3.20 / km (Fuel at 95/L) | ~0.65 / km (Concessional EV Tariff) Daily Fuel / Power Expense| 256 | 52 | Monthly Operating Expense| 7,680 | 1,560 | Annual Operational Savings| Baseline| ~73,440 per year| Without an upfront purchase subsidy and low charging tariffs, the initial cost of an e-3W deters low-income transport workers from making the switch. Implementing direct capital subsidies would lower this barrier and allow drivers to achieve payback within 12 to 18 months. Recommendations for Immediate Executive Action To end the delay and deliver a functional EV ecosystem, the UT Administration of Jammu & Kashmir should take the following targeted actions: 1. Notify the Final Policy Without Further Delay: Convert the draft framework (*Government Order No. 82-JK(TR) of 2025) into an active Gazette Notification with a clear 5-year operational window, similar to UT Ladakhs Order No. 09-Trans (UTL) of 2022. 2. Designate a Lead Implementing Agency: Assign the Transport Department as the primary Nodal Agency for policy implementation and subsidy distribution, supported by the Power Development Department for infrastructure clearance. 3. Establish a Dedicated J&K EV Fund: Finance state incentives through a nominal eco-cess on fossil fuel vehicle registrations and direct environmental allocations, ensuring consistent funding for subsidies without overburdening the UT treasury. 4. Launch a Unified Digital EV Portal: Develop a single-window online portal where buyers, commercial fleet operators, and charging station developers can apply for incentives, track SGST refunds, and secure grid connections transparently. Conclusion: Moving Beyond Prolonged Deliberations Jammu & Kashmir stands at a pivotal point in its urban transport planning. The period of initial discussions and committee reconstitutionsfrom Government Order No. 1264-JK(GAD) of 2022 to Government Order No. 1109-JK(GAD) of 2024has provided ample time for administrative review. Further delay risks leaving J&K behind as neighbouring regions build modern, low-carbon transportation networks. While Notification S.O. 25 of 2021was a helpful initial measure, a simple road tax waiver is not a substitute for a comprehensive EV policy. The citizens, commercial operators, and youth of Jammu & Kashmir deserve a modern, fully funded electric vehicle frameworkcomplete with upfront purchase subsidies, low power tariffs, and robust charging infrastructure. It is time for the administration to move beyond draft orders and committee meetings. By notifying a comprehensive Electric Vehicle Policy, J&K can reduce urban pollution, lower transport costs for its citizens, protect its fragile mountain environment, and build a modern, sustainable mobility ecosystem. (The author is a renowned social reformer & Mobility Expert with over two decades of experience. For feedback, email: umarbhat07@gmail.com)

RisingKashmir 10 Aug 2026 12:56 am

Amazing Results of CWG 2026 lead India now to the Asian Games 2026

FRAGRANCE OF IDEAS The Commonwealth Games (CWG) 2026 which began on 23 July, 2026 came to a glittering close on 2-3 August 2026 at Glasgow, the capital city of Scotland (UK). The Indian contingent did its best under the circumstances and brought home 39 medals including 13 gold, 17 silver and 9 bronze. The flag and baton of the CWG were handed over to the Indian officials at the end of the closing ceremony in recognition of the fact that the next CWG in 2030 would be held in India at Ahmedabad. The Indian Olympic Association President, P.T. Usha, Javelin Throw Champion, Neeraj Chopra and the Dy. Chief Minister of Gujarat, Harsh Sanghavi received the flag and the baton with the deserved honour and protocol of the Games. This handover officially marked India taking charge to host the 2030 historic Centenary Commonwealth Games in Ahmedabad. The first such games were held in Hamilton-Canada in 1930. Hosting the 2030 Games is expected to boost India's global sporting profile, accelerate world-class sports infrastructure development, and showcase the country's organisational capabilities on the international stage. It should also be seen particularly in context of the preparations for the Asian Games to be held in September this year in Japan followed by the Olympics to be held in the US in 2028. India had sent a contingent of 191 members headed by Chief de Mission Rohit Rajpal and Deputy Chief de Mission Ravi Bengani. The contingent included 126 athletes (77 men and 49 women) and 51 team officials to participate in the games. Those who participated included 32 competitors (22 men and 10 women) in Athletics, 15 representatives each in Boxing & Judo and 12 competitors in weightlifting. There were only 10 sports disciplines plus the para sports this time which surely impacted the results as well for India. Shooting, wrestling, archery, hockey, badminton and table tennis -the mainstay sports of India- which bring a lot of fortunes for it traditionally were not included in the games this time. Ever since the inception of CWG in 1930, India continued to participate in the games barring only three times including the first one. It got the best results in the CWG 2010 when the games were organised in Delhi. It stood second in the medal tally with 101 total medals including 38 gold, 27 silver and 36 bronze. The second best performance by India was in CWG 2002 at Manchester when it won 30 gold, 22 silver, 17 bronze with a total of 69 medals. The performance this time at Glasgow with a tally of 39 medals was also satisfactory and encouraging. It secured 5th place on the overall medal table of the games and the first place among the Asian countries in the CWG 2026. This time the boxers from India exhibited a great class and character; and made history by entering into the 10 final events of the discipline. It won seven finals and also got 7 gold medals and 3 silver medals. This is India's best ever boxing performance. The gold finishers for India included Jasmine Lamboria, Preeti Pawar, Sakshi Chaudhary, Priya Ghanghas, Arundhati Chaudhary, Sachin Siwach and Ankush Panghal. The champion weightlifter Mirabai Chanu secured gold in the 48kg womens category. In this way, she was able to successfully achieve a historic third consecutive CWG title. Sharmila Dhankar won gold in the womens shot-put F57, leading the record-making campaign for Indian para-athletes. Dilip Gavit won a historic gold in the mens 100m T47 event with a game record time of 10.71 seconds. This is the mens first-ever para-athletic gold at the CWG. Mohammed Basil got silver in the same category thus giving India a 1-2 finish in the finals. While Soman Rana won gold in the mens shot-put F57 para-athlete event, Shubham Juyal got a silver medal in the same event. Shilpa Shyla secured a bronze medal in the womens shot-put F57 para-athlete event following a successful appeal. Gulveer Singh created a new history and became the first Indian track and field athlete to win two individual medals at a single CWG (silver in 10,000m and bronze in 5,000m). The ace champion Neeraj Chopra alongside debutant Yash Vir Singh won silver and bronze respectively in the Javelin throw. Asmita Dey and Harsh Singh clinched first-ever gold in the Judo competition marking Indias strong entry into the elite club of the sports men and women of the discipline. These remarkable achievements of India at an international platform is the reflection of the sports policy of India coupled with the infrastructure development at a grass-root level. Training methodology, investment in the sports sector and the grooming of sports men and women at a tender age are basics to the development of sports in the modern context. Then there are centres of sports men and women in a number of states in India where special arrangements have been made to groom the budding talent under national and international experts of various games and sports. A number of the athletes revealed that they were fully supported by their state governments and also the big institutions in the country. Great international players like Virat Kohli have also sponsored some key athletes who have shown exemplary results. The scenario in India has drastically changed and improved in context of the athletes taking part in international competitions like CWG, Asian Games, Olympics and the other important competitions held intermittently. Big companies and other organisations have been coming forward to help and support the deserving talent in the country. The CWG overall medal table highlights the most successful nations in the history of the competition. Australia continues to lead the all-time standings with an incredible 2,773 medals, followed by England and Canada, while India proudly holds fourth place with 602 medals. The rankings reflect decades of excellence across multiple sports and generations of world-class athletes. Keeping in view the next CWG 2030, the government of India immediately after the announcement of the Centenary CWG 2030, being held in India, took a number of major initiatives to take India to developing modern infrastructure in this regard. The Gujarat government has allocated 1,331 crore to transform Ahmedabad into an Olympic-ready city. The investment is intended to strengthen Indias bid to host the 2036 Olympic Games as well. The project focuses on developing world-class sports infrastructure in India in the coming four years. The Asian Games are also about to start in Aichi Prefecture and Nagoya, Japan from 19 September to October 4 this year. In the previous edition of the games in 2022 at Hangzhou-China, India for the first time crossed the 100-medal mark. The performance marked India's highest-ever medal haul in the history of Asian Games with 28 gold, 38 silver and 41 bronze totalling 107 medals. India finished fourth on the overall medal table after China, Japan and Korea. With the kind of encouraging results from Glasgow, the Indian Olympic Association, Ministry of Sports, Sports Authority of India and the respective sports institutions in various states should be surely thinking big in regard to the Asian Games 2026. There will be 43 sports spanning 469 medal events in the 2026 Asian Games in Japan, therefore the preparations are also supposed to be of the same nature and the required standard. The Olympics 2028 at Los Angeles is a little far away issue but thinking and planning has begun in this regard at various levels. Indias records at the Olympics excepting in Hockey arent so great but over the last two decades, some important strides have been taken and those have given good results as well. There are some big names who have brought laurels for the country and themselves in the Olympics. Some of them are as follows. Major Dhyan Chand and Balbir Singh Sr. of Hockey are among the extra-ordinary Indian Olympic champions recognized globally. Besides them, who made a mark in their respective sports with Olympic medals for the last three decades include Lendre Peas, Karnam Malleswari, Rajyavardhan Singh Rathore, Abhinav Bindra, Vijendra Singh, Sushil Kumar, MC Mary Kom, Vijay Kumar, Saina Nehwal, Gagan Narang, Yogeshwar Dutt, Neeraj Chopra, PV Sindhu, Sakshi Malik, Mirabai Chanu, Shreejesh, Harmanpreet Singh, Ravi Kumar Dahiya, Lovlina Borgohain, Bajrang Punia, Manu Bhaker, Sarabjot Singh, Swapnil Kusale and Aman Sahrawat. India has till date in its Olympics history won 41 medals comprising 10 gold, 10 silver and 21 bronze. The results of the recently held CWG, Asian Games and the different international sporting and athletic events in favour of India beckon Indian sports, sports men and women and the government to focus on Olympic Games and their standards. Much needs to be done in this context regardless of the previous results. The present generations need to take inspiration from our civilizational roots which had sports as an essential element of its greatness and grandeur all along. The modern sports and competitions demand great planning, high thinking, ultra-modern technical knowhow, high-value infrastructural facilities & logistics, consistent practice and competitions on different geographic pitches. This has been well acknowledged by the Union Sports Minister Dr. Mansukh Mandaviya. He has further reinforced these preparations on the ground, noting that multi-sport continental events serve as prime platforms for podium finishes rather than mere exposure tours. In this connection, Prime Minister Narendra Modi also expressed full confidence that Indian athletes will significantly surpass their previous records at the upcoming Asian Games in Aichi-Nagoya, Japan, emphasizing that the government will fully support the preparations on the ground. Hope to see bewildering results forthcoming in order to usher joy, pride, enthusiasm and happiness all around. (The author is a senior BJP & KP leader, Human Rights Defender and a columnist and can be reached at: ashwanikc2012@gmail.com )

RisingKashmir 10 Aug 2026 12:50 am

Civic Sense: The Missing Ingredient

Civic sense is often spoken of as a small thing, a matter of manners, cleanliness or public behaviour. But in reality, it is one of the most important markers of a societys maturity. In Kashmir, where beauty is abundant and public life remains deeply sensitive, civic sense assumes an even greater significance. It is not just about keeping roads clean or standing in queues. It is about the habits, values and responsibilities that shape how people live together in a shared space. A valley as cherished, as crowded and as fragile as Kashmir cannot afford to treat civic discipline as an afterthought. For years, Kashmir has been admired for its natural splendour, its cultural richness and the resilience of its people. Yet admiration alone does not protect public spaces, respect common property, or ensure orderly conduct in daily life. Littering along roads, damage to public infrastructure, reckless parking, traffic indiscipline, noise pollution and the casual disregard for rules continue to undermine the collective life of the Valley. These are not merely administrative problems. They are civic failures, and they reflect a deeper disconnect between individual conduct and public responsibility. A society that lacks civic sense ultimately pays a heavy price. Garbage strewn along streets, encroachments on footpaths, disrespect for traffic norms and the routine misuse of public facilities create inconvenience for all and damage the environment for generations. In Kashmir, where urban spaces are already under pressure and tourism remains a major part of the economy, civic negligence becomes even more costly. A tourist arriving in the Valley does not judge it only by mountains, lakes and gardens. He or she also notices the state of roads, markets, public toilets, footpaths and the general discipline of its inhabitants. In that sense, civic sense is not a private virtue; it is also part of Kashmirs public image. At the same time, the burden of civic responsibility cannot rest on citizens alone. Authorities too must do their part by ensuring cleanliness, efficient waste disposal, traffic regulation and the protection of public spaces. Civic culture grows when people see that rules are enforced fairly and consistently. But no amount of governance can succeed if citizens remain indifferent to their own role. Public order begins with personal conduct. A cleaner street, a safer crossing, a quieter neighbourhood and a more disciplined market all begin with the choices people make every day. Kashmir today needs a renewed civic consciousness. Schools, religious institutions, community leaders, market associations and local bodies must all work together to make civic sense part of social habit rather than occasional advice. Children should be taught early that public property belongs to everyone. Adults should understand that discipline in public life is not weakness, but respect. The Valleys future depends not only on economic growth or political stability, but on whether its people learn to care for the spaces they share. Kashmir deserves better streets, better traffic, better cleanliness and better public behaviour. More importantly, it deserves a citizenry that sees civic sense not as a burden, but as a basic expression of dignity and responsibility. That is how the Valley will preserve not only its beauty, but its soul.

RisingKashmir 10 Aug 2026 12:47 am

Har Ghar Tiranga: A Beautiful Expression of National Unity

As India moves towards its 80th Independence Day, the renewed call to participate in the Har Ghar Tiranga movement is a welcome reminder of the enduring bond between the nation and its people. Prime Minister Narendra Modis appeal to citizens to hoist the National Flag at their homes, and to join the celebrations with renewed enthusiasm, reflects a larger effort to revive patriotic feeling in a manner that is both inclusive and emotionally powerful. At a time when public discourse is often fragmented, such a campaign offers a rare opportunity to bring the country together under one symbol, one emotion and one shared aspiration. The Tricolour is not just a national emblem; it is the living representation of Indias freedom struggle, its constitutional ideals and its civilisational spirit. When families place the flag at their homes, they are not merely observing a ritual. They are participating in a collective act of remembrance and respect. Har Ghar Tiranga has succeeded in transforming patriotism from a distant, formal idea into something visible, personal and deeply felt. It reminds citizens that the nation is not an abstraction, but a shared home built through sacrifice, struggle and hope. The significance of this years campaign is further deepened by the 150th anniversary of Vande Mataram, a song that has stirred the hearts of generations and inspired countless freedom fighters. By linking Har Ghar Tiranga with the celebration of Vande Mataram, the government has given the movement a greater emotional and historical resonance. It connects the pride of the present with the memory of the past, allowing citizens to celebrate independence not only as a political milestone but as a living inheritance. The campaigns strength also lies in its reach. From Tiranga Yatras and rallies to concerts, exhibitions, bike marches and mass singing, Har Ghar Tiranga creates multiple avenues for participation. It is not confined to official ceremonies or elite spaces. It reaches districts, blocks, panchayats, households and public institutions alike. The call to hoist the flag and share a selfie may appear symbolic, but symbols matter. In a large and diverse democracy, they help create moments of collective belonging and civic pride. They remind citizens, especially the younger generation, that nationalism can be celebratory, constructive and inclusive. Launched in 2022 under Azadi Ka Amrit Mahotsav, the campaign has become one of the most recognisable public initiatives of recent years. Its success lies in its ability to make the National Flag present in everyday life, not just on ceremonial occasions. That familiarity strengthens the emotional connection between citizens and the republic. It encourages people to see patriotism not as a slogan, but as a shared responsibility. As states across the country begin their own Tiranga Yatras and preparations, the message of the campaign becomes even clearer: India is at its best when it celebrates itself together. The Har Ghar Tiranga movement deserves appreciation because it reminds every citizen that the pride of the nation begins at home. When the Tiranga rises from rooftops across the country, it carries with it the hopes, gratitude and unity of a people who remain deeply committed to Indias future.

RisingKashmir 10 Aug 2026 12:44 am

How Youth Engagement is Reshaping Rural Livelihoods

AHKTER RASOOL Agriculture remains the backbone of rural India, employing 42 per cent of the country's workforce and contributing 17-18 per cent to its Gross Domestic Product (GDP). Within this vast sector, livestock alone accounts for 4.5 per cent of national GDP, sustaining the livelihoods of about 20.5 million people. Yet, even as these numbers testify to agriculture's economic weight, rural India continues to grapple with unemployment, economic uncertainty and rising inflation challenges that are felt most acutely by its youth. It is against this backdrop that agripreneurship has emerged as a compelling response. Agripreneurship may be understood as a mindset: young people becoming determined, creative and willing to take calculated risks as they identify opportunities to build and expand farm-based enterprises. Recognising this potential, the Government of India launched the Youth Engagement and Empowerment Program to help unemployed youth become self-reliant and reduce joblessness. At its core, the programme envisions meaningful youth engagement an intentional, participatory process in which the ideas, expertise and experiences of young people are woven into programmatic, policy and institutional decision-making. To deepen youth participation in the livestock sector specifically, the Central and Union Territory (UT) governments have rolled out a range of welfare schemes for farmers, women and young entrepreneurs. These include the Holistic Agriculture Development Programme (HADP), Jammu & Kashmir Competitiveness Improvement Project (JKCIP), Kisan Credit Card (KCC) scheme, Integrated Dairy Development Scheme (IDDS), Integrated Poultry Development Programme (IPDP) and National Livestock Mission (NLM). Together, these schemes are designed to help young people including women set up their own enterprises in animal husbandry, agriculture and allied sectors, transforming them from job seekers into job creators within dairy, poultry and allied farming ventures. This shift builds self-reliance and economic stability, underpinned by sustained government support. Equally important to this transformation is the honesty and integrity of farmers and local youth themselves, who must prioritise organic farming, avoid adulteration and adopt sustainable practices if these schemes are to deliver lasting value. The dairy sector illustrates this potential well. Under the IDDS and HADP, aspiring farmers can avail a subsidy of 40-50 per cent to set up dairy units of five to twenty cows, with separate subsidy support for machinery and milk-transport vehicles. Depending on fat content and adulteration levels in milk, cooperatives or Self Help Groups (SHGs) informal groups of ten to twenty local people, predominantly women, who pool their savings can also establish automated milk-collection units. Subsidies extend further to milk-processing units that produce value-added items such as dahi, paneer and ghee, covering the machinery required. A satellite heifer-rearing unit, complete with subsidy support for shed construction and rearing costs, is another avenue open to young entrepreneurs. Poultry farming is equally significant, standing out as one of the most dynamic and fastest-growing segments of the animal husbandry sub-sector, encompassing the breeding, tending and raising of birds for eggs and meat. Aspiring poultry entrepreneurs can establish broiler and hatchery units ranging from 1,000 to 10,000 birds, with subsidies of up to 30 per cent available under HADP, IPDP and NLM. Free-range poultry units, which require only the provision of night shelters, are similarly eligible for subsidy support under IPDP and HADP. To access these benefits, applicants must approach the relevant department, obtain the specific guidelines, and prepare a detailed project report. Beyond dairy and poultry, sectors such as horticulture, fisheries, sheep husbandry, and honey and mushroom production offer comparable government-backed opportunities for youth to launch their own ventures. What ultimately determines the success of these schemes is not policy alone but the human element behind it: awareness, motivation, technical skill and timely guidance from development departments. When these come together, they strengthen the entrepreneurial capacities of rural youth in tangible ways. In the final analysis, the Youth Engagement and Empowerment Program represents more than a set of subsidies it is a structural shift in how rural India thinks about employment. By engaging young people in profitable, low-investment agricultural enterprises, the programme offers a pathway to sustainable livelihoods and improved incomes. If sustained with transparency, adequate outreach and continued institutional support, this model of youth-led agripreneurship could well become the template for rural economic revival across the country. (The author is a Veterinarian and an Independent Researcher. Email: dr.akhterrasool@rediffmail.com)

RisingKashmir 10 Aug 2026 12:41 am

The Barbers Basket: Memory, Tradition, and Social Change in Kashmir

Introduction: The Dawn of Grooming The story of how humans learned to trim and groom hair is a fascinating journey spanning tens of thousands of yearsevolving from basic survival to social custom and, eventually, a refined art. In the Stone Age, long before scissors or mirrors existed, hair care was driven by practical necessity. Extremely long hair could get caught in dense bushes, obstruct vision during a hunt, or harbour parasites. Early humans used sharp flint blades, obsidian glass, and cracked stones to saw or scrape away excess hair. Some groups even used ember sticks to selectively singe hair short. As metalworking flourished during the Bronze and Iron Ages, grooming transformed into a daily social practice. By 1500 BCE, Ancient Egyptians forged the earliest spring shearstwo bronze blades joined by a flexible metal stripand used bronze razors to shave heads for hygiene in the desert heat. Later, the Romans engineered pivoted scissors with a central pin, giving rise to public barber shops (tonstrinae) where barbers (barbiers) cut hair, shaved beards, and shared community news. Over centuries, across South Asia and the Middle East, the barber became far more than a hairstylist; he became an irreplaceable fixture of everyday social and cultural life. The Unwritten History of Circumcision in Kashmir While global history documents the mechanical evolution of the razor, local histories often leave significant social transitions unrecorded. During the mass acceptance of Islam in the Kashmir Valley, guided by great scholars and Sufi saints like Mir Syed Ali Hamdani (RA)popularly known as Amir-e-Kabirthousands embraced the faith. It remains unrecorded in formal history how the mandatory practice of circumcision (Khutna, an Arabic term) was initially introduced to local converts across rural and urban Kashmir. It is highly likely that among the learned men, artisans, and craftspeople travelling with Amir-e-Kabir were traditional barbers who not only performed the procedure but also trained local Kashmiris in the technique. The Traditional Barber and the Rooster Under the Basket In the decades preceding modern medical infrastructureeven through mid-20th-century Kashmirthe traditional barber performed circumcisions without anaesthesia, using a finely sharpened blade. To manage this delicate procedure and soothe the infant's distress, Kashmirs barbers devised a remarkably unique and resourceful traditional method. The infant would be placed gently over a woven willow basket (Kani Phout). Placed underneath the basket was a live rooster, its size chosen based on the family's standing. As the raw cut was made, the infants cry would startle the rooster beneath him. The rooster's loud crowing and fluttering served a dual purpose: it created a vital distraction for the child, while the sounds of the bird masked the sharp intensity of the moment. Once the procedure was complete, the roosterand sometimes the wicker basket itselfwas given to the barber as part of his fee, often accompanied by a small cash offering (Nazarana). Celebration, Wunwun, and the Khatan Haji Mahraaz Despite the paineased gradually over days with traditional soothing ointments (Ayermath) and maternal comfortthe occasion was celebrated with immense warmth and grand social rituals. The young boy was dressed in brand-new clothes, adorned with a turban, and proudly hailed as the Khatan Haji Mahraaz (the circumcised groom). Family members and neighbourhood women would gather in a circle to sing traditional Wunwun (festive folk songs) celebrating his passage. Depending on the familys financial means, the festivities ranged from distributing steamed rice and local delicacies to hosting a full, elaborate Wazwan feast for relatives and neighbours. Zurr Kasun and the Shift to Clinical Care Another ritual that remains deeply rooted in Kashmiri culture to this day is Zurr Kasun (or Zurr u Kasney)the first ceremonial head-shaving of a newborn baby. Performed by the traditional barber, this clean shave marks an important milestone for the newborn, often celebrated by affluent families with special dishes and family gatherings. Today, traditional street and home circumcisions have largely been phased out. Modern Kashmiri families rely on hospitals, pediatric clinics, and first-aid centres where the procedure is conducted under sterile, hygienic conditions with localised anaesthesia. Changing Social Dynamics and the Modern Parlour Era In recent years, the social landscape surrounding Kashmirs traditional barbers (Nai) has undergone a dramatic transformation. Sadly, due to persistent social stigma, many local barbers felt marginalised, viewing the traditional trade as a symbol of being downtrodden. In search of broader social acceptance, many families gradually abandoned the occupation altogether. Some even changed their traditional surnames from Nayee to Hakim, striving for a title associated with respect and medicineeven though Islamic principles firmly uphold absolute social equality among all human beings, rejecting class or caste hierarchy. This gradual exit of native Kashmiris from the trade created a significant occupational void. Consequently, a large wave of tradespeople from other states migrated to the Kashmir Valley, filling the demand and introducing a brand-new culture of modern unisex salons and beauty parlours for both men and women. While these sleek modern parlours offer contemporary styling and convenience, the memory of the traditional Kashmiri village barberwith his leather pouch, his wicker basket, and his indispensable presence at every birth, marriage, and childhood milestoneremains an irreplaceable chapter in the cultural history of the Valley. (The writer is a former civil servant from the administrative service. Email: nisargilani57748@gmail.com )

RisingKashmir 10 Aug 2026 12:37 am

Health, power, connectivity top our agenda: MLA Kangan

Ganderbal, Aug 9: Several development projects have been sanctioned across the Kangan constituency by MLA Kangan Mian Mehar Ali with government healthcare institutions, electricity infrastructure and local connectivity among the key areas covered under the latest works. MLA Kangan Mehar Ali says the package includes medical equipment for SDH Kangan, MMC Watlar and PHC Wussan, ambulances for health centres at Anderwan and Hari Ganiwan, construction of a new health centre at Chountwilar and a generator for PHC Gund. At SDH Kangan, 16.50 lakh has been allocated for a video endoscope system, while 6.50 lakh has been sanctioned for construction of a ticket counter. MMC Watlar has been provided 25 lakh for a Digital X-Ray machine, along with 9 lakh for CBC, biochemistry and urine analysers. PHC Wussan will also receive a Digital X-Ray machine under an allocation of 25 lakh. For emergency medical transportation, 30 lakh has been sanctioned for a BLS ambulance for PHC Hari Ganiwan, while 9.30 lakh has been allocated for an ECO ambulance for Health Centre Anderwan. The sanctioned infrastructure works also include bridges at Nallah Shutain Gagangair, Satrina and Doga Wangath, along with a number of transformer installations aimed at strengthening electricity supply in different localities. Among the power works are a 100 KVA transformer at Krishan Chountwilar C, a 100 KVA transformer at Awan Pati Mammar, 63 KVA transformers at Rayil Khowur, Thune, Rayil, Kaniwas Sumbal and Ninhama, and a 200 KVA transformer at Arhama. In the education and community sector, 35 lakh has been sanctioned for a library at Kangan. Funds have also been allocated for playgrounds at Burnbugh, Pethpora Chattergul and Prang, besides development of a public park at Bonpora Haripora. Canal fencing works have been sanctioned for the Kullan-Sumbal-BR-Ganiwan stretch and the Mammar-Thune area, with allocations of 15.50 lakh and 25 lakh respectively. The sanctioned projects span multiple sectors and locations, with the stated works aimed at strengthening public facilities and addressing infrastructure requirements in different parts of the Kangan constituency.

RisingKashmir 10 Aug 2026 12:31 am

Baramulla-Uri highway remains closed beyond scheduled time

Srinagar, Aug 9: Commuters on the Baramulla-Uri national highway faced considerable inconvenience on Sunday after the road at Danakha Mode remained closed beyond the scheduled reopening time, despite authorities ordering the restriction only until 5 pm. The highway was closed from 7 am to 5 pm to facilitate hill-cutting work at Danakha Mode and to prevent any untoward incident amid apprehensions of landslides. However, commuters alleged that the road was not reopened even after 5 pm, leaving scores of vehicles stranded along the highway. Several commuters said that the highway continued to remain closed even around 6:30 pm. People were told that the road would be opened at 5 pm, but even after 6 pm the traffic was stranded on the highway. There was no clear information about when the highway would be reopened, Rakib Bhat, a commuter who was travelling towards Uri told Rising Kashmir. Another commuter said that the prolonged closure caused serious inconvenience, particularly to patients, students and elderly passengers travelling between Uri and Baramulla. Patients and elderly people were among those waiting on the road. Students and other passengers also suffered because the closure continued well beyond the time mentioned in the order, he said. As per the order issued by the District Administration, vehicular movement on the Baramulla-Uri National Highway at Danakha Mode was to remain suspended from 7 am to 5 pm on August 9 to facilitate hill-cutting work and ensure the safety of commuters. Commuters questioned why traffic was not restored at the stipulated time and urged the authorities to ensure that such restrictions are strictly adhered to or that the public is informed in advance if the closure needs to be extended. Safety during hill-cutting work is important, but commuters should also be kept informed. If the closure has to continue beyond the scheduled time, authorities should communicate it clearly so that people can make alternative arrangements, another commuter said. The continued closure caused traffic disruption on the busy highway, with commuters urging the administration and agencies concerned to ensure timely reopening of the road and better coordination during such works. An official from the Baramulla administration told Rising Kashmir that the road was temporarily opened in between to facilitate the movement of a patient to Srinagar from Sheeri area. However, it was closed again later to carry out smooth hill cutting work.

RisingKashmir 10 Aug 2026 12:27 am

Court acquits two in 2022 Budgam NDPS case

Srinagar, July 29: The Special Court for NDPS Cases, Srinagar, has acquitted two accused in a 2022 narcotics case registered at Police Station Budgam, holding that the prosecution failed to establish their conscious and exclusive possession of the alleged contraband beyond reasonable doubt. Special Judge (NDPS Cases) Vinod Kumar pronounced the judgment on July 29, acquitting Shahnawaz Qadir Ganie of Hyderpora and Mohd Ayoub Sofi of Channa Mohalla, Hyderpora, presently residing at Narkarah, Budgam. The case arose from FIR No. 207/2022 registered under Sections 8/20, 21 and 29 of the Narcotic Drugs and Psychotropic Substances Act. According to the prosecution, police received information on June 23, 2022, about the alleged involvement of the accused in the trade of charas and contraband medicinal preparations. A search was subsequently conducted at the house of the first accused in the presence of an Executive Magistrate and other officials. The accused, Shahnawaz Qadir Ganie of Hyderpora and Mohd Ayoub Sofi of Channa Mohalla, Hyderpora, currently residing at Narkarah, Budgam, were represented by a defence team comprising Advocates Anil Raina, Mir Urfi, Waheed Dar, Zia-Ul-Rehan, Aqib Farooq and Bushra. Police claimed to have recovered a charas-like substance, 15 bottles of an unlabelled medicinal preparation allegedly containing codeine and 1.39 lakh in cash. However, the court found several gaps in the prosecution case, including discrepancies regarding the recovery, identification, weighing, sealing and transportation of the seized material. The court noted that the supervising Magistrate had disowned the alleged recovery from the persons of the accused. It also pointed to an unexplained six-day delay in sending samples to the laboratory and deficiencies concerning the carrier and receipt. Significantly, only two of the 15 bottles allegedly recovered were tested, while the remaining 13 were not subjected to examination. The court held that while individual discrepancies might not have been fatal, their cumulative effect created serious doubts about the prosecution case. It also found that the identity of the case property and an unbroken chain of custody from seizure to the laboratory had not been established. Relying on Supreme Court judgments, including Noor Aga and State of Punjab v. Baldev Singh, the court stressed that statutory safeguards under the NDPS Act must be strictly followed. The court also held that the alleged conspiracy under Section 29 of the NDPS Act had not been proved. Accordingly, Ganie and Sofi were acquitted of the charges by extending to them the benefit of doubt and were discharged from their bail bonds. The court directed that the seized material and samples be preserved until expiry of the appeal period and thereafter dealt with in accordance with law. The seized cash of 1.39 lakh was also ordered to be dealt with according to law after the appeal period.

RisingKashmir 10 Aug 2026 12:25 am

Huge relief in sight for flood-hit rural families

Srinagar: The Department of Rural Development and Panchayati Raj has sought detailed information on houses damaged due to flash floods and cloudbursts in rural areas of Jammu and Kashmir during July and August 2026. An official of the Department told Rising Kashmir that recent flash floods and cloudbursts had caused damage to a large number of residential houses in various rural areas across Jammu and Kashmir. We have asked both the Directors of Rural Development of Jammu and Kashmir divisions, along with all Assistant Commissioners Development (ACDs), to submit details of houses damaged due to flash floods and cloudbursts during July and August 2026, the official said. According to the official, the information is being sought district-wise and beneficiary-wise. The report will include details such as the name of the head of the household, type of house (kutcha or pucca), extent of damagefully, severely or partially damagedand whether the affected household has already availed any housing assistance. The official said the exercise has been undertaken to assess the extent of damage caused by the recent natural calamities and identify the affected families eligible for government assistance. Once we receive the reports from all the districts of Jammu and Kashmir, the consolidated report will be submitted to the Government of India, the official said. The move is expected to facilitate the provision of appropriate compensation and other government assistance to families whose houses have been damaged in the recent flash floods and cloudbursts.

RisingKashmir 10 Aug 2026 12:22 am

Pathania seeks focus on quality education in J&K

Udhampur, Aug 9: MLA Udhampur East Ranbir Singh Pathania has called for greater focus on quality basic education in rural and far-flung areas of Jammu and Kashmir, highlighting staff shortages, inadequate infrastructure and the need for a comprehensive transfer policy. Speaking during a series of programmes across his constituency, Pathania said areas including Dudu, Bastangrah, Pancheri, Garh Samnabanj, Chore Panjian and Moungri were facing shortages of teachers and other staff, affecting educational activities. He urged the government to review the transfer policy and introduce a transparent mechanism that takes into account the requirements of schools in difficult and remote areas. Pathania also highlighted the shortage of subject-specific teachers in schools upgraded under the erstwhile RMSA, saying students in several upgraded high schools were being deprived of proper instruction in key subjects. He stressed that quality education required more than classrooms and textbooks, calling for functional toilets, playgrounds, boundary walls and clean drinking water in every school. We need to focus on the grim realities affecting learning and education on the ground. Jammu and Kashmir also needs more model schools so that students in rural and remote areas get access to quality education, he said. During his visit, Pathania dedicated the newly constructed building of Government Middle School (GMS), Mand, to students. He said the school, which was earlier in a dilapidated condition, had been provided with a new building and that remaining works, including the boundary wall and kitchen, would be completed soon. He said Government High School Johnu and Government High School Chore Panjian were now functioning as PM SHRI schools, while Government Degree College, Majalta, had also developed modern infrastructure. Pathania also flagged off the 23rd annual Charri Yatra from Battal to Machail. The yatra was welcomed by devotees at several locations, including Darssoo, Roundmail, Thill Kali Mata Mandir and Chandi Mata Mandir. He said such pilgrimages promoted faith, unity and social harmony and called upon people to work collectively for the welfare of society.

RisingKashmir 10 Aug 2026 12:19 am

Apni Party leaders visit Nanga Baji shrine

Srinagar, Aug 9: Apni Party President Syed Mohammad Altaf Bukhari, along with several senior party leaders, on Sunday paid obeisance at the revered shrine of Syed Ghulam Rasool Shah, popularly known as Hazrat Nanga Baji Sahib, in the Malangam area of north Kashmirs Bandipora district. On the occasion, the Apni Party leaders prayed for lasting peace, prosperity, and harmony in Jammu and Kashmir. During their visit, Altaf Bukhari and the accompanying party leaders were warmly received by the shrine management and local residents. It is pertinent to mention that the annual Urs is currently being observed at the Nanga Baji Sahib shrine, with devotees thronging the shrine to offer prayers and pay obeisance. The prominent party leaders who accompanied Syed Mohammad Altaf Bukhari during this visit included the party's Senior Vice President Ghulam Hassan Mir, General Secretary Rafi Ahmed Mir, Chief Coordinator & District President Kulgam Abdul Majeed Paddar, Chief Spokesperson & State Secretary Muntazir Mohiudin, District President Kupwara Raja Manzoor, District President Bandipora Syed Shafat Kazmi, Constituency In-charge Sonawari Imtiyaz Paray, Nasir Ahmed Mir, Sameer Iqbal, Basharat Najar, Abdul Rashid Ashna, and others.

RisingKashmir 10 Aug 2026 12:17 am

Dozens of PDP workers join NC in Gool

Banihal, Aug 9: Dozens of Peoples Democratic Party (PDP) workers and activists from Gool joined the National Conference (NC) in Banihal on Sunday, with senior party leader and MLA Banihal-Gool Sajjad Shaheen welcoming them into the party fold. Shaheen said the growing support for the NC reflected peoples faith in its politics of development, secularism and protection of the rights of Jammu and Kashmir. He alleged that the PDPs 2014 alliance with the BJP had contributed to the political circumstances that eventually led to the erosion of J&Ks special constitutional position. Those who promised to safeguard the interests and special status of Jammu & Kashmir ultimately joined hands with the BJP, Shaheen said, accusing the PDP of compromising its political position for short-term power. He said the people of J&K were still paying the price for the political misjudgements and compromises of those who had betrayed their trust. Shaheen said the NC, in contrast, had consistently stood for the political, constitutional and democratic rights of the people of J&K. He attributed the recent political shift in Gool to what he described as growing appreciation for the Omar Abdullah-led governments development agenda. Shaheen said infrastructure, roads, education, healthcare, power, water supply, tourism and sports were receiving attention across the region, including remote and mountainous areas of Banihal-Gool. Welcoming the new entrants, he said their decision reflected a desire among political workers for a platform based on principles, public service and inclusive development. He called upon NC workers to strengthen grassroots mobilisation and remain connected with people across the constituency.

RisingKashmir 10 Aug 2026 12:14 am

For Jharkhands Adivasi youth, competitive exams are about finding a voice in the system that governs them

The choice for the aspirants is stark: continue tilling the land that provides enough to sustain a family but little surplus or spend years studying for an examination that can change the familys future

The Hindu 10 Aug 2026 12:13 am

Chatbot launched to access police services

The Hindu 10 Aug 2026 12:12 am

Claim Settlement Ratio: What It Tells You About an Insurer

While buying health insurance , most people focus on the premium, the coverage, and the list of hospitals. But one important detail often goes unnoticed is the claim settlement ratio. This number tells you how likely it is that your claim will be settled. The claim settlement ratio gives you a clearer picture of how the insurer handles situations in real life, not just what is written in the document. What is Claim Settlement Ratio in Health Insurance? Claim settlement ratio, often called CSR, is the percentage of claims an insurer has settled compared to the total number of claims received in a year. For example, if an insurer receives 1,000 claims and settles 950 of them, the claim settlement ratio is 95%. This means 95 out of every 100 claims were paid. This ratio is usually published every year in official reports. It is based on past data and gives you an idea of how the insurer has performed over time. Why Does Claim Settlement Ratio Matter to You? Health insurance is useful only when claims are settled smoothly and on time. A high claim settlement ratio shows that the insurer has a strong track record of honouring claims. No insurer can approve every claim, but a high ratio often shows that claims are handled more smoothly and with fewer issues. For anyone buying health insurance Plan , CSR is an easy way to check how dependable an insurer is. It may not guarantee your claim will always be approved, but it increases confidence that genuine claims are likely to be settled. How is Claim Settlement Ratio Calculated? Here is how it is done: Claim settlement ratio = (Number of claims settled Number of claims received) 100 Only the number of claims is considered, not the value of claims. This means CSR shows how many claims were settled, not how much money was paid out. Also, the ratio usually includes all types of claims, such as cashless and reimbursement. Does a High CSR Mean All Claims Are Paid? A high claim settlement ratio does not mean every claim is approved. Claims can still be rejected if they do not meet policy conditions. Common reasons for claim rejection include: The treatment is not covered under the policy Waiting periods are not completed Important documents are missing Pre-existing conditions are not disclosed Should You Choose Health Insurance Only Based on CSR? Claim settlement ratio is important, but it should not be the only factor you look at. You should also consider: Coverage and sum insured Hospital network Waiting periods Sub-limits and exclusions Customer support and digital services The goal is to find a balance between good coverage and an insurer you can rely on for smooth claim settlement. Conclusion Claim settlement ratio helps you understand how reliable an insurer has been when it comes to settling claims. It helps you quickly understand how they have performed in the past and makes it easier to trust your choice. In health insurance , the real value of a policy shows up during a medical emergency. A strong CSR, along with clear policy terms and good coverage, makes it more likely that your insurance will support you during medical emergencies.

RisingKashmir 10 Aug 2026 12:10 am

High Court stays FIR direction against Petitioner

Srinagar : The High Court of Jammu & Kashmir and Ladakh at Srinagar has granted interim relief to a petitioner staying the operation of an order dated 30 July 2026 passed by the Judicial Magistrate 1st Class (City Judge), Srinagar, directing registration of an FIR against him. The matter came before the High Court before a Bench comprising Justice Sanjay Dhar. The petitioner, represented by Adv. Mujeeb Andrabi and Adv. Mustahsun Mattu, challenged the Magistrates order on various grounds including that the Magistrate had earlier, after obtaining a police report concerning the complaint, decided to treat the matter as a private complaint and had issued a pre-cognizance notice to the petitioner.The Ld. Counsels argued that the magistrate, having adopted that course, was not open to subsequently reverting to the earlier position and directing registration of an FIR. A bench of Justice Sanjay Dhar issued notice to the respondents and directed that the impugned order passed by City Judge Srinagar dated 30-07-2026 shall remain in abeyance. The Court further directed that if an FIR had already been registered pursuant to the said impugned order passed by City Judge Srinagar, the investigation in the same shall not proceed ahead.

RisingKashmir 10 Aug 2026 12:09 am

Leh Police seize 2 lakh assets of drug offender

Leh: Aug 9: In a significant action against drug trafficking and illicit proceeds, the District Police Leh has initiated proceedings under Section 68F of the Narcotic Drugs and Psychotropic Substances (NDPS) Act, 1985, leading to the seizure of movable properties worth approximately 2 lakh belonging to a habitual drug offender. The action was carried out by Police Station Leh against Kundan Sah, son of Ban Bari Sah, a resident of Village Mahadha in Banka district of Bihar, presently residing at Chuchot Yokma, Leh. Police said the accused has been found involved in multiple cases registered under the NDPS Act. According to police, Kundan Sah was named as an accused in FIR No. 162/2025, registered under Sections 8/20 of the NDPS Act at Police Station Leh, in which 960 grams of ganja was recovered from his possession. In another case, FIR No. 01/2026, registered under Sections 8/20 of the NDPS Act at Police Station Khaltsi, around 955 grams of ganja was recovered from a co-accused who was allegedly transporting the contraband to Kundan Sah. During the course of the investigation and inquiry into the financial activities of the accused, police established that certain movable assets had allegedly been acquired from the proceeds of illicit drug trafficking. Acting under the provisions of Section 68F of the NDPS Act, Police Station Leh seized two motorcycles and six push carts used for selling golgappas, with the total value of the seized properties estimated at around 2 lakh. Police said the action is aimed at not only apprehending individuals involved in the illegal trade of narcotic substances but also identifying and disrupting the financial assets generated through drug trafficking. The seizure marks another step by District Police Leh towards dismantling the network and financial infrastructure supporting the illegal drug trade in the region. Police maintained that strict action will continue against individuals involved in the possession, transportation, supply and trade of narcotic substances. District Police Leh reiterated its commitment to protecting the community from the growing threat of drug abuse and trafficking and urged the general public to extend cooperation to law enforcement agencies by sharing information about drug-related activities. Police appealed to citizens to join the collective effort to prevent the spread of drugs and contribute towards building a drug-free Ladakh.

RisingKashmir 10 Aug 2026 12:07 am

J&K still awaits justice for 1953 rupture: NC

Srinagar, Aug 9: National Conference General Secretary Haji Ali Muhammad Sagar on Sunday described August 9, 1953, as one of the darkest chapters in the countrys democratic history, saying the dismissal and arrest of then Jammu and Kashmir Prime Minister Sheikh Mohammad Abdullah damaged the relationship between J&K and New Delhi. In a statement issued from the party headquarters, Nawa-e-Subha, Sagar said the arrest of Sheikh Abdullah represented an assault on democratic values and the political aspirations of the people of Jammu and Kashmir. He said the events of 1953 had created a political wound that was never fully healed, with successive developments deepening the sense of alienation among the people. Sagar said the decisions of August 5, 2019, further aggravated those sentiments and weakened whatever trust remained between J&K and the Centre. He said despite their grievances, people of Jammu and Kashmir demonstrated faith in democracy by participating in elections and electing their representatives. Sagar said the people had been assured that delimitation, parliamentary and legislative elections would pave the way for restoration of statehood, but the promise remained unfulfilled nearly two years after the formation of the elected government. How many more elections must the people participate in? How many more assurances must they hear? he asked, describing the continued denial of statehood as a matter of democratic dignity, political confidence and constitutional trust. He said restoration of full-fledged statehood must be the first concrete step towards healing the political wounds of Jammu and Kashmir. Sagar maintained that the people of J&K had repeatedly demonstrated their faith in democracy by choosing the ballot and deserved respect, dignity and restoration of their constitutional rights.

RisingKashmir 10 Aug 2026 12:05 am

Jammu State Movement renews separate statehood demand

Jammu, Aug 9: The Jammu State Movement held a meeting in Bishnah on Saturday, reiterating its demand for separate statehood for Jammu and alleging that the region has faced discrimination in employment, development and policy decisions. The meeting was addressed by Shri Rashtriya Rajput Karni Sena J&K president Arjun Singh, who said the people of Jammu had continued to seek justice, equal rights and fair representation over the years. Singh alleged that the abrogation of Article 370 had not addressed the concerns of Jammu and claimed that successive policies had often favoured Kashmir over the Jammu region. He appealed to people to unite and pursue the demand for separate statehood through peaceful and democratic means. Deepak Singh, founder of the Jammu State Movement, also addressed the gathering and said the movement was not against any individual or community but aimed at raising issues concerning the rights, dignity and development of Jammu. He alleged that the region had faced prolonged challenges, including terrorism, separatism, corruption and drug trafficking, and said concerns over Jammus social, cultural and demographic identity also needed to be addressed. Deepak Singh said the movement would continue to seek greater political and developmental rights for Jammu and take its campaign to villages and different sections of society. Participants at the meeting expressed support for separate statehood and appealed to the Centre, Prime Minister Narendra Modi and Union Home Minister Amit Shah to address what they described as long-standing political, administrative and developmental concerns of the region.

RisingKashmir 10 Aug 2026 12:02 am

Nine injured in steel plant blast in Jharkhands Ramgarh

Two critically injured workers have been referred to a private hospital in Ranchi.

The Hindu 9 Aug 2026 11:57 pm

Congress urges NCP (SP) to press PM Modi for immediate roll out of Womens Reservation Act

Implementation of womens quota should not be linked to delimitation, says Congress leader Sachin Sawant

The Hindu 9 Aug 2026 11:55 pm

Collateral vs Non-Collateral Study Funding: Which Route Suits You

When you start planning to study abroad or pursue a postgraduate degree in India, the conversation inevitably turns to money. Tuition fees, living expenses, books, travel. It adds up fast. Most families can't cover the full cost out of pocket, so borrowing becomes part of the plan. The first real fork in the road is whether to go with a collateral-based loan or a non-collateral one. That choice shapes everything from how much you can borrow to what your monthly repayments look like for years after graduation. What Collateral Actually Means Here A collateral loan requires you to pledge an asset to the lender. This is usually property, a fixed deposit, insurance policies, or other financial instruments with a clear market value. The lender holds a lien on that asset for the duration of the loan. If you default, they have legal recourse to seize the asset and recover their money. Because the lender's risk drops significantly when an asset backs the loan, collateral loans tend to come with lower interest rates. For education loans in India, the difference can be meaningful. Collateral-backed loans from public sector banks often carry interest rates between 8% and 10.5%, while non-collateral options from private lenders or NBFCs may charge anywhere from 11% to 14%. That gap of even two or three percentage points, stretched over a seven-to-ten-year repayment period, translates into a substantial difference in total cost. Running the numbers through an emi calculator education loan tool before committing to any offer is worth the ten minutes it takes. You'll see the monthly outflow clearly, and you'll understand how much of each payment goes toward interest versus principal in the early years. The Non-Collateral Path Not every family owns property they can pledge. Some do, but the property is already mortgaged. Others simply don't want to put a family home at risk over a degree. Non-collateral loans exist precisely for these situations. Without an asset to fall back on, lenders rely more heavily on the borrower's academic profile, the university they've been admitted to, the course's employment prospects, and sometimes a co-applicant's income. The approval process for non-collateral loans often involves more scrutiny of these factors. Lenders like Prodigy Finance, Incred, and HDFC Credila have built their models around this kind of risk assessment, though each has its own eligibility criteria and rate bands. The trade-off is straightforward. You don't risk a family asset, but you pay more in interest. You may also face a lower borrowing ceiling. Most non-collateral education loans in India cap out around 40 to 50 lakhs, while collateral-backed loans from SBI or Bank of Baroda can go well beyond that, sometimes up to 1.5 crores for top-ranked foreign universities. Loan Amounts and Where You're Studying The destination matters more than people realize. If you're heading to the US, UK, Canada, or Australia for a master's program, total costs including living expenses can easily cross 30 to 40 lakhs. A collateral loan becomes almost necessary at that level, unless you qualify for one of the higher non-collateral limits offered by select private lenders. For domestic programs, including MBA courses at IIMs or top private universities, the math is different. Fees might range from 10 to 25 lakhs. A student education loan without collateral can often cover this range, especially if the institution has strong placement records that reassure the lender. Interest Rates and Repayment Flexibility Collateral loans generally offer more flexible repayment structures. Many public sector banks provide a moratorium period that covers the course duration plus six months to a year after completion. During this time, you don't pay the principal, and some banks let you defer simple interest payments as well. Non-collateral loans sometimes offer moratorium periods too, but the terms are often tighter. Some lenders capitalize the interest during the study period, which means your loan balance grows while you're still in school. By the time repayment starts, you owe more than you originally borrowed. This isn't a trick or a hidden fee. It's standard practice, but you need to understand it before signing. Tax Benefits Apply Either Way Under Section 80E of the Income Tax Act, the interest paid on an education loan is deductible from your taxable income. This applies to both collateral and non-collateral loans, and there's no upper limit on the deduction amount. The benefit is available for up to eight years from the start of repayment. This doesn't change the fundamental economics of the loan, but it reduces the effective cost, especially in the early years when interest payments are highest. Making the Decision If your family has property or fixed deposits that can be pledged without creating financial stress, a collateral loan will almost always cost less over its lifetime. The interest rate advantage is real, and the higher borrowing limits provide a safety margin if costs run over. If pledging assets isn't feasible or feels too risky, non-collateral loans are a legitimate alternative. You'll pay more, and you may need to be more strategic about which universities and programs you target to stay within borrowing limits. Neither path is inherently better. The right choice depends on your family's financial position, your risk tolerance, and how much you need to borrow. Get specific quotes from at least three lenders, compare the total repayment amounts rather than just the interest rates, and make sure you understand every fee before you commit.

RisingKashmir 9 Aug 2026 11:39 pm

Suspected cartel boss Kinahan lands in Ireland after extradition from Dubai

Kinahan had been held in custody in Dubai since his arrest there in April after Ireland issued a warrant for alleged serious organised crime offences

The Hindu 9 Aug 2026 11:37 pm

News from the world of Education: August 9, 2026

Information on admissions, scholarships, competitions for students, events for educators and more

The Hindu 9 Aug 2026 11:32 pm

Luxury car gutted, another damaged in fire at apartments basement parking

Timely action by the Fire and Rescue Service helped contain the fire that could have spread to more cars

The Hindu 9 Aug 2026 11:19 pm

90-year-old Co-optex gets a Gen Z makeover

The Hindu 9 Aug 2026 11:18 pm

KFDC to launch Athma brand of tea, coffee

The new products will hit the market in September

The Hindu 9 Aug 2026 11:12 pm

Humanitarian Atom Fest concludes in Thiruvananthapuram

The fest featured a series of programmes highlighting India-Russia cooperation in the peaceful use of nuclear energy and was held to mark the 55th anniversary of the Indo-Soviet Treaty of Peace, Friendship and Cooperation

The Hindu 9 Aug 2026 11:08 pm

Letters to The Editor August 10, 2026

The Hindu 9 Aug 2026 11:01 pm

Agricultural Extension Education department at Vellayani Agri College celebrates golden jubilee

The celebrations featured a two-day programme Samanwaya - Uniting Academia on August 6 and 7

The Hindu 9 Aug 2026 11:00 pm

Watch: Rahul to Amit Shah on police brutalities against students: You will have to answer for this crime

Congress leader Rahul Gandhi on Sunday, August 9, questioned Home Minister Amit Shahs silence over alleged police brutalities against protesting students.

The Hindu 9 Aug 2026 10:59 pm

Awareness programme on cleanliness held

The Hindu 9 Aug 2026 10:56 pm

Watch: Pakistan, Saudi Arabia and Turkiye sign mutual defence pact

Pakistan, Saudi Arabia and Turkiye have signed a new defence pact, under which an armed attack on one country will be treated as an attack on all three.

The Hindu 9 Aug 2026 10:51 pm

Youth have buried Congress completely: UP CM Yogi Adityanath

Addressing a public rally, Uttar Pradesh Chief Minister Yogi Adityanath criticized the Congress party, asserting that its downfall serves as a warning against the dangers of power intoxication and neglecting national revolutionaries.

The Hindu 9 Aug 2026 10:24 pm

Indian, American Navies to hold bilateral exercise in Kochi from August 10

The exercise will enhance the ability of the participating teams to respond to complex challenges in explosive ordnance disposal in the maritime domain

The Hindu 9 Aug 2026 10:14 pm

Congress to strongly oppose FCRA Bill, warns against repeating 2023 mass suspension episode

The warning came alongside a reminder that the government had used the absence of a large part of the opposition to push through a slew of major legislation in 2023. It has asked all Opposition MPs to be present in Parliament from August 10 to 12

The Hindu 9 Aug 2026 10:13 pm

CM Vijay likely to move resolution in Assembly emphasising on mandatory rendition of Tamil Thai Vazhthu first

The move comes against the backdrop of a letter from the Union Ministry of Home Affairs on July 9, asking the States and Union Ministries to strictly comply with its January 28 directive that the National Song, Vande Mataram, be played before the National Anthem at official events

The Hindu 9 Aug 2026 10:11 pm

Telangana digitised 71.14% of enumeration forms ahead of August 10 deadline for electoral roll revision

Telangana completes 78.14% of enumeration forms digitization with one day left for August 10 deadline

The Hindu 9 Aug 2026 10:00 pm

What does Netanyahus rejection of Trumps Gaza plan mean for the conflict?

Israeli Prime Minister Benjamin Netanyahu has rejected US President Donald Trumps 15-point plan for Gaza, saying Israel will not withdraw until Hamas is genuinely disarmed. The move follows weeks of disagreement between Israel and the Trump administration over the plan.

The Hindu 9 Aug 2026 9:48 pm

Iran Guards say won't reopen Hormuz without U.S. meeting Tehran's demands

Iran's security chief Mohammad Bagher Zolghadr had laid out on Saturday a list of conditions for reopening the strait, including an end to the war and aggression against Iran and its allies in Lebanon, Palestine, Yemen and Iraq

The Hindu 9 Aug 2026 9:44 pm