Voters queue outside a polling station in Srinagar, in India-administered Kashmir, in 2019. AP
Voters queue outside a polling station in Srinagar, in India-administered Kashmir, in 2019. AP

Indian-administered Kashmir to hold first regional elections in a decade



India-administered Jammu and Kashmir will hold local elections for the first time in a decade, the country's election commission announced on Friday.

The vote for the legislative assembly will take place from September 18 to October 1, with ballots to be counted on October 4.

The disputed Muslim-majority region is divided between India and Pakistan since the subcontinent gained independence from British colonial rule in 1947 and both nations claim it in its entirety.

An armed rebellion against New Delhi has been waged since late 1980s, with tens of thousands of people, mostly civilians killed in the conflict, amid regular poll boycott campaigns by separatists.

The last local election in the region was held in December 2014, with the popular government stepping down in 2018 when Prime Minister Narendra Modi’s Bharatiya Janata Party pulled out of an alliance with a local party.

The region has been devoid of an elected government since 2018 and was brought under federal rule by Mr Modi’s government.

But Mr Modi’s Hindu nationalist government in a shock decision in August 2019 stripped the disputed territory of its limited autonomy, downgrading and dividing the state into federally administered regions of Jammu, Kashmir and Ladakh.

“We have seen long queues of people in Jammu and Kashmir during Lok Sabha polls, which showed they want to be part of the democratic process and preferred ballot over the bullet,” said election commissioner Rajiv Kumar, at the briefing on Friday.

A total of 8.7 million voters, around 4.5 million lakh males and 4.2 million females will exercise their right to franchise in these polls, Mr Kumar said, adding the polls will take place in the 90 assembly constituencies in three phases.

The elections will take place after the delimitation process – redrawing boundaries for assembly constituencies depending on religious voter share—in Hindu-dominated Jammu region and Muslim-dominated Kashmir.

The new government will have decision-making powers only limited to region's civic affairs and administration public, with Mr Modi’s government having absolute powers on the federal territory's law and order.

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Whole-of-life insurance: as its name suggests, this type of life cover is designed to run for the rest of your life. You pay regular monthly premiums and in return, get a guaranteed cash lump sum whenever you die. As a result, premiums are typically much higher than one term life insurance, although they do not usually increase with age. In some cases, you have to keep up premiums for as long as you live, although there may be a cut-off period, say, at age 80 but it can go as high as 95. There are penalties if you don’t last the course and you may get a lot less than you paid in.

Critical illness cover: this pays a cash lump sum if you suffer from a serious illness such as cancer, heart disease or stroke. Some policies cover as many as 50 different illnesses, although cancer triggers by far the most claims. The payout is designed to cover major financial responsibilities such as a mortgage or children’s education fees if you fall ill and are unable to work. It is cost effective to combine it with life insurance, with the policy paying out once if you either die or suffer a serious illness.

Income protection: this pays a replacement income if you fall ill and are unable to continue working. On the best policies, this will continue either until you recover, or reach retirement age. Unlike critical illness cover, policies will typically pay out for stress and musculoskeletal problems such as back trouble.

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THE BIO

Ms Davison came to Dubai from Kerala after her marriage in 1996 when she was 21-years-old

Since 2001, Ms Davison has worked at many affordable schools such as Our Own English High School in Sharjah, and The Apple International School and Amled School in Dubai

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UPI facts

More than 2.2 million Indian tourists arrived in UAE in 2023
More than 3.5 million Indians reside in UAE
Indian tourists can make purchases in UAE using rupee accounts in India through QR-code-based UPI real-time payment systems
Indian residents in UAE can use their non-resident NRO and NRE accounts held in Indian banks linked to a UAE mobile number for UPI transactions

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