Srinagar streets display visible prosperity at every turn. Tile-covered mansions line localities, their gates gleaming, cars parked outside like trophies. Gold glitters at weddings, smartphones fill every pocket, and designer clothes mark every occasion. But behind these polished doors, another reality sits at dinner tables. 

Parents count cash for school fees while youth worry about jobs and tomorrow. Families fear one medical emergency, one closed road, one bad season that stops the cash. 

Houses look rich, but hearts feel heavy with tiredness and tension. This contradiction defines the modern Kashmiri financial condition.

Many families own property worth crores, plus land, gold, perhaps a small shop. Relatives praise their success, neighbours see full settlement and whisper blessings, but the monthly bills tell a completely different story. 

Electricity, gas, tuition, medicine, repairs, and social obligations await payment every thirty days. The house stands beautiful, but it generates zero income. The gold shines, but it produces zero interest. 

Families remain rich in property, poor in cash flow and peace of mind. Social pressure demands display, while practical wisdom demands liquidity.

One shop, one government job, one small business feeds entire households across the valley. When situation heads south, or tourism slows, or seasons turn harsh, that single thread snaps immediately. 

EMIs continue, school fees demand payment, basic expenses continue........

© Kashmir Observer