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Forces launch search ops in Kishtwar, Poonch over reports of possible terrorist movement

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Forces launch search ops in Kishtwar, Poonch over reports of possible terrorist movement

Jammu, Dec 30: Security forces on Tuesday launched cordon and search operations along border areas and the mountainous hinterland of Poonch and Kishtwar districts of Jammu and Kashmir as part of heightened anti-terror measures, officials said.

Acting on inputs about the presence of two terrorist groups operating in the Doda-Kishtwar forest areas, security forces launched a cordon and search operation in the Keshwan-Chatroo valley after apprehending terrorist movement, they said.

Troops used drones and other aerial surveillance equipment to monitor the area in a bid to track down the terrorists, they added.

According to reports, two groups of Jaish-e-Mohammad terrorists, with two to three operatives each, are believed to be present in the area, which has witnessed encounters in the past.

The Romeo Force of the Army also conducted search operations at Khanetar Top along the Indo-Pak border in Poonch and adjoining areas following suspected terrorist movement, officials said, adding that the troops were equipped with aerial surveillance support and sniffer dogs.

Additionally, security forces have intensified vehicle checking along the Pathankot-Jammu-Srinagar national highway in Kathua, Samba, Jammu and Udhampur districts as part of heightened alert ahead of the New Year.

The border security grid too has been further strengthened. The police have activated Village Defence Guards and border police along the Indo-Pak border in view of possible infiltration from across the border, officials said.

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Why Smart Goal Planners Are Choosing Them?

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Why Smart Goal Planners Are Choosing Them?

Financial planning is essential to secure your future. With new-age needs, the importance of this planning in 2026 is more important than ever. Individuals are no longer focused solely on short-term savings; they are thinking about how today’s decisions can support their families and future goals. Balancing financial protection with long-term planning has become a key priority for many households.

While insurance and goal-based planning were once treated as separate decisions, preferences are gradually shifting toward more structured and efficient approaches. This shift explains why ULIP plans, as long-term planning options, are gaining attention among those seeking clarity, discipline, and flexibility in their financial journey.

What is ULIP?

A Unit Linked Insurance Plan, or ULIP, is an insurance product that offers you dual benefits in a single policy. It provides life insurance coverage and a market-linked investment component. When you pay the premium, half of it is dedicated to your life insurance coverage, and the remaining amount is invested in market-based funds like equity, debt, and hybrid funds.:

Note: The investment risk in the investment portfolio is borne by the policyholder.

Why are ULIPs Becoming a Preferred Choice?

Goal planners in India are becoming more aware of financial planning. They look for products that offer value and convenience. Here are a few reasons why ULIP plans are becoming popular:

1. Flexibility to Switch Funds

ULIPs allow policyholders to switch between available fund options, such as equity-oriented or debt-oriented funds, in line with changing market conditions or evolving risk preferences. This flexibility helps individuals align their policy with different life stages.

2. Dual Benefit

Buying separate insurance and savings products can be a hassle to manage. A ULIP gives you both in one plan. You get the peace of mind that comes with life cover. At the same time, your money can grow over the long term.

3. Tax Benefits

One of the reasons people choose ULIPs is for tax planning.

  • The premiums you pay are eligible for tax deductions under Section 80C (only under the old tax regime) of the Income Tax Act.
  • The money you receive at maturity is also tax-free under Section 10(10D).

Note: Subject to specific conditions mentioned in the income tax laws.

How ULIPs Differ From Other Options?

It is always smart to compare before you make a financial decision. Let us look at how ULIPs stand against other popular options.

ULIPs vs. Mutual Funds

Mutual funds are pure savings products. They do not offer life insurance cover. If you allocate funds in mutual funds, you need to buy a separate insurance policy to protect your family. ULIPs offer both in one package.

ULIPs vs. Term Life Insurance

Term insurance is a pure protection plan. It offers a high sum assured at a low premium but gives no maturity benefit if you survive the policy term. ULIPs provide life coverage, but they also help you build a corpus for your future goals.

ULIPs vs. Fixed Deposits (FDs)

Fixed Deposits are safe and offer fixed benefits. However, FD returns are often lower than inflation. The interest earned is also taxable. ULIP plans are market-linked, which means they may offer better returns over the long term.

Understanding the Costs Associated with ULIPs

Before you buy a plan, it is important to know the charges. Insurance companies deduct certain fees from your premium or fund value.

  • Premium Allocation Charge: A small fee deducted from your premium before it is allocated. It covers the initial expenses of issuing the policy.
  • Fund Management Charge (FMC): This is a fee charged for managing your funds. It is usually a percentage of the fund value.
  • Mortality Charge: The cost of providing you with life cover. It depends on your age and the amount of coverage you choose.

It is wise to check these charges before purchasing. Many modern ULIP plans have reduced these costs to make them more attractive to potential policyholders.

Who Should Invest in ULIPs?

ULIPs are not for everyone. They are best suited for people who:

  • Have Long-term Goals: ULIPs have a five-year lock-in period and work best when continued for longer times, such as 10–15 years. They are suitable for goals such as buying a home or planning for a child’s higher education.
  • Comfort with market movement: Since ULIPs are market-linked, fund values may rise or fall. These plans suit individuals who are comfortable with some market volatility over time.
  • Disciplined saving approach: Regular premium payments help maintain a consistent and structured saving habit.

Conclusion

As digital adoption increases, insurance solutions are becoming easier to manage online, with features such as digital policy servicing and fund monitoring. For those asking what is ULIP, it refers to a life insurance plan that combines insurance coverage with market-linked planning within a single policy structure. ULIPs continue to evolve within the insurance space, offering structured flexibility for long-term planners.

ULIPs are designed to support life insurance needs while enabling market-linked planning within an insurance framework. Individuals are encouraged to review product features carefully and assess suitability based on personal financial goals and risk comfort before making a decision.

Greater Kashmir

Lieutenant Governor unveils J&K Bank calendar-2026

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Lieutenant Governor unveils J&K Bank calendar-2026

Jammu, Dec 30: Lieutenant Governor Manoj Sinha on Tuesday unveiled J&K Bank’s Wall and Table Calendars for the year 2026, at Lok Bhavan.

The Wall Calendar for 2026 is themed “Rivers of J&K and Ladakh”, while the Table Calendar showcases the region’s “Historic Places”, reflecting the diversity of human heritage and natural wonders of UT of Jammu & Kashmir and UT of Ladakh.

The Lieutenant Governor appreciated the J&K Bank for selecting unique themes which will raise awareness about preserving ancient monuments, archaeological sites and traditions for future generations. He said society must come together to safeguard these priceless treasures. The Lieutenant Governor also emphasised on protecting earth’s vital ecosystems. He said rivers in J&K UT are source of fresh water and they are also ensuring food security and supporting biodiversity conservation. The Lieutenant Governor called for community efforts to protect rivers and water bodies to build resilience against climate impacts in the future.

Amitava Chatterjee, Managing Director and CEO, Jammu & Kashmir Bank Limited briefed that the 2026 edition of J&K Bank’s calendars honour the rivers that sustain life across the regions and the historic sites that define their shared legacy.

The calendar also features important public welfare initiatives such as Mission YUVA and PM Surya Ghar Muft Bijli Yojana, alongside J&K Bank’s key products including Housing Loan, Car Loan, Personal Consumption Loan and Online Account Opening, reinforcing the Bank’s role as a development partner and facilitator of people’s aspirations.

Santosh D Vaidya, Principal Secretary, Finance Department; Dr. Mandeep K. Bhandari, Principal Secretary to the Lieutenant Governor; Sudhir Gupta, Executive Director, Sunit Kumar and Imtiyaz Ahmad, Chief General Managers J&K Bank attended the unveiling ceremony.

Greater Kashmir

Man arrested for harassing minor girls using snow spray in Chadoora: Police

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Man arrested for harassing minor girls using snow spray in Chadoora: Police

Srinagar, Dec 30: Police on Tuesday said that Police Station Chadoora received a complaint from two parents alleging that their minor daughters were harassed and attacked by an unknown man while returning home from tuition, who sprayed a chemical substance into their eyes, later found to be snow spray.

“Accordingly, FIR No. 209/2025 under Sections 62 and 137 of the Bharatiya Nyaya Sanhita (BNS) was registered at PS Chadoora, and an investigation was initiated,” police said in a statement to news agency Kashmir Dot Com.

During the course of the probe, police analysed CCTV footage and other technical evidence, which led to the identification of the suspect. “Questioning and searches confirmed that Raja Furqan, S/O Fayaz Ahmad Khan, resident of Gowherpora, Chadoora, carried out the act by spraying snow spray into the eyes of the victims,” police said.

The police further stated that the clothes and footwear worn by the accused at the time of the incident were recovered from his possession, and that the victims identified him during questioning, following which he was formally arrested.

It also emerged during the investigation that the accused had allegedly attempted similar acts in the past, but was let off by locals after being admonished, as no formal police complaint was filed at that time.

“Budgam Police reiterates its zero-tolerance policy towards crimes against women and remains committed to ensuring the safety and dignity of girls and women across the district,” the statement read.

Police advised the general public to report harassment or suspicious incidents to the nearest police station without delay, emphasizing that timely reporting is crucial for prevention and legal action.

Greater Kashmir

Unclaimed bag sparks bomb scare at Jammu bus stand; nothing suspicious found

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Unclaimed bag sparks bomb scare at Jammu bus stand; nothing suspicious found

Jammu, Dec 30: An unclaimed bag at a crowded bus stand here on Tuesday afternoon triggered a bomb scare, but it was later found that it contained clothes and had been apparently left behind by a passenger, officials said.

A police team along with the Bomb Disposal Squad (BDS) cordoned off the bus stand immediately after getting information about an unclaimed bag lying near one of the concrete pillars, an official said.

The BDS team inspected the bag and found nothing suspicious, the official said, adding that the bag was later taken to the local police station and efforts are on to identify its owner.

Normal activities resumed after police left the scene.

Officials said security has been beefed up across Jammu region to ensure peaceful New Year celebrations, while a massive anti-terrorist operation is going on in the higher reaches of Kishtwar, Doda, Poonch and Rajouri districts.

Greater Kashmir

Two children killed, one critically injured in tractor accident in Karnah

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Two children killed, one critically injured in tractor accident in Karnah

Srinagar, Dec 30: At least two children were killed and another critically injured after a tractor hit them at Taad village in Karnah area of Kupwara district, officials said on Tuesday.

An official said that the tractor, bearing registration number JK09B-4871, was being driven by Azhar Ahmad, a resident of Taad, when it struck the children.

Locals immediately rushed the injured to Sub-District Hospital (SDH) Tangdhar, where two of the children were declared brought dead, while the third child is undergoing treatment and is stated to be in a critical condition.

The deceased have been identified as Arzoo Bashir (7) and Azan Sajad Qureshi (8), both residents of Taad village. The injured child has been identified as Shahnaz Ahmad Mughal (9).

Police have taken cognisance of the incident and initiated further investigation to ascertain the circumstances leading to the accident.—(KNC)

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PM Modi concerned over targeting of President Putin’s residence, stresses diplomatic end to Russia-Ukraine hostilities

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PM Modi concerned over targeting of President Putin’s residence, stresses diplomatic end to Russia-Ukraine hostilities

New Delhi, Dec 30: Prime Minister Narendra Modi stated on Tuesday that he is “deeply concerned” by reports of the targeting of Russian President Vladimir Putin’s residence and stressed that the ongoing diplomatic efforts are the most viable path towards ending hostilities and achieving peace.

“Deeply concerned by reports of the targeting of the residence of the President of the Russian Federation. Ongoing diplomatic efforts offer the most viable path toward ending hostilities and achieving peace. We urge all concerned to remain focused on these efforts and to avoid any actions that could undermine them,” PM Modi posted on X.

PM Modi’s statement comes after Russian Foreign Minister Sergei Lavrov accused Ukraine of launching unmanned aerial vehicles at the state residence of Putin in the early hours of December 29. He stated that Russia will respond to Ukraine’s attack, news agency Tass reported.

On the night of December 28-29, “the Kiev regime launched a terrorist attack using 91 long-range strike unmanned aerial vehicles on the state residence of the president of the Russian Federation in Novgorod Region”, the Foreign Minister said.

All drones were destroyed by Russian air defences, and there were no reports about casualties or damage, he said, noting that the development comes amid intense negotiations to resolve the conflict between Russia and Ukraine.

On Sunday, US President Donald Trump said that he had a “good” and “very productive” telephonic conversation with his Russian counterpart, prior to his meeting with Ukrainian President Volodymyr Zelensky in Florida over the latest draft of a peace plan aimed at ending the Ukraine conflict.

Kremlin spokesperson Dmitry Peskov confirmed the telephonic conversation between Putin and Trump on Sunday, Xinhua news agency reported.

Trump said that peace negotiations aimed at ending the war in Ukraine were “very close” following what he described as a “terrific meeting” with Zelensky at his Mar-a-Lago residence in Florida.

Speaking to reporters, Trump said: “We’ve done very well. We’ve had discussions on just about every subject”, adding that the two sides had “made a lot of progress on ending that war”.

Greater Kashmir

Kashmir reports 202 road deaths, over 3 lakh challans issued, Rs 11.24 crore revenue generated in 2025

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Kashmir reports 202 road deaths, over 3 lakh challans issued, Rs 11.24 crore revenue generated in 2025

Srinagar, Dec 30: Senior Superintendent of Police, Traffic Rural Kashmir, Ravinder Paul Singh on Tuesday said that the Traffic Police will continue its enforcement and awareness drive with the same zeal in 2026, reiterating that the core objective of traffic policing is to save human lives and reduce road accidents.

Speaking to media persons, as per news agency Kashmir News Corner (KNC), SSP Traffic Rural said that the deployment of traffic police is aimed at ensuring strict compliance with traffic laws and taking action against violators strictly as per the provisions of law.

He said the mission launched in 2025 will be carried forward in 2026 with equal seriousness and commitment.

SSP said public awareness regarding traffic rules has improved significantly, and people are actively contributing towards safer roads.

“People are becoming more educated and cooperative. We hope that in the future they will continue to abide by all traffic rules and regulations,” he said.

He added that the department will further intensify awareness programmes by organising pledge drives at schools, colleges, sumo stands and other public places. “We will also involve NCC cadets and other stakeholders, hold consultations, and strengthen traffic infrastructure wherever required to reduce road accidents,” he said, adding that every possible step will be taken to prevent mishaps.

Comparing data from previous years, SSP Ravinder Paul Singh said a notable improvement has been observed.

He said that in comparison to 2024, 279 fatalities were reported, while the year 2025 witnessed a decline in fatalities, with 202 road deaths reported so far.

He added that over three lakh challans were issued during the year, generating revenue of more than ₹11.24 crore, besides several vehicle seizures carried out during enforcement drives.

“The sole purpose of these measures is to ensure that precious human lives are saved,” the SSP said, reiterating that traffic enforcement is not about penalties alone, but about building a culture of road safety and responsible driving. (KNC)

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My statement misrepresented, never said MP Ruhullah is against CM: MP Ramzan

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My statement misrepresented, never said MP Ruhullah is against CM: MP Ramzan

Srinagar, Dec 30: Member of Parliament (Rajya Sabha) Chowdry Mohammad Ramzan on Tuesday issued a clarification, stating that he had never said that Aga Syed Ruhullah Mehdi was against the Chief Minister of Jammu and Kashmir, Omar Abdullah.

MP Ramzan said, “At no point did I state that the Hon’ble Member of Parliament, Aga Syed Ruhullah Mehdi, is against the Hon’ble Chief Minister of Jammu and Kashmir.”

Blaming certain media outlets for misrepresenting his statements, he said, “It is unfortunate that some media portals have misreported and distorted my statement, creating an entirely false narrative.”

He said the distortion appeared to have originated from a Facebook page named ‘Kashmiristan’, which, he said, is neither a credible nor a reliable source of news.

He regretted that several media portals picked up content from the Facebook page and circulated the “misleading version” without verification.

Clarifying his remarks, Ramzan said the actual context of his statement was related to differences in approach on certain issues, which he said is a natural and healthy aspect of any democratic and political process. “To project this as opposition to the Hon’ble Chief Minister is factually incorrect, misleading and irresponsible,” he added.

Ramzan urged media persons and the public to rely on authentic sources. “My complete and original statement can be clearly heard on the KNS media portal, where there is no mention whatsoever of the Hon’ble MP being against the Hon’ble Chief Minister,” he said.

He strongly advised media outlets to refrain from such misrepresentation and to report statements responsibly, accurately and in their true spirit.

Greater Kashmir

VPN services suspended on mobile phones in Budgam for two months, cites security, law and order concerns

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VPN services suspended on mobile phones in Budgam for two months, cites security, law and order concerns

Srinagar, Dec 30: The District Administration Budgam has ordered the immediate suspension of all Virtual Private Network services on mobile phones across Budgam district for a period of two months, citing concerns related to public safety, law and order, and data security.

The directive was issued by the District Magistrate Budgam under Section 163 of the Bharatiya Nagarik Suraksha Sanhita 2023 following a communication received from the Senior Superintendent of Police Budgam. The police report highlighted an unprecedented rise in the use of VPN services over the past few days across various parts of the district.

According to the official order, authorities observed that a significant number of internet users were accessing VPN platforms, which raised apprehensions about their possible misuse for unlawful and anti national activities. The administration noted that VPNs allow encrypted data transmission, conceal IP addresses, and enable users to bypass website restrictions and firewalls, making monitoring difficult.

The order states that such capabilities could be exploited for inciting unrest, circulating inflammatory content, and coordinating activities prejudicial to the maintenance of law and order. It further mentions that encrypted communication may expose sensitive information to cyber threats, thereby posing risks to data and information security.

In view of these concerns, the District Magistrate exercised statutory powers to suspend all types of VPN services on mobile devices within Budgam district. The suspension shall remain in force for two months from the date of issuance unless withdrawn earlier by the competent authority.

The administration clarified that the order has been passed ex parte as it was not feasible to serve individual notices to all concerned. The directive is being publicised through the district website, leading newspapers, electronic media, and by affixing copies on official notice boards of key district offices.

The Senior Superintendent of Police Budgam has been instructed to ensure strict implementation of the order in letter and spirit. Copies of the order have also been circulated to senior civil and police officials for information and necessary action.

The order was issued under the seal and signature of the District Magistrate Budgam on Dec 29, 2025. [KNT]

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