Jammu and Kashmir
From World travel guide
Jammu and Kashmir is the northernmost state in India. It's part of the historic Princely State of British Imperial India, of the same name. The state is now divided between India and Pakistan, but both countries lay claim to the whole state. While some Kashmiris hope for an independent and unified Kashmir, the majority seem to simply want peace.
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The inhabitants of J&K belong to three religions, with Kashmir being mainly Muslim, Jammu being mainly Hindu and the Ladakhis divided almost equally between Buddhists and Muslims.
Jammu is safe, however it does not offer much other than being a transit point to Srinagar, Kashmir valley was a popular tourist destination till the start of the unrest 16 years ago.
Kahsmir region is still under a separationist insurgency, although the violence in recent years has been reducing. Srinagar itself is not very safe, and not worth the risk unless you have a special reason to go or an interest in the area. The Kashmiri touts that are all over north India, especilly Delhi are absolutely not to be believed as to the safety of the situation in Kashmir. Even if you decide independently that you are comfortable with the level of safety, it is a bad idea to book accommodation without seeing the houseboat. If you do decide to go be sure to take precautions such as avoid crowded places, not going out after dark, and don't stay long. The country-side of Kashmir should be passed through as directly as possible without stopping. Trekking would be very unwise.
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The language spoken is Kashmiri. You might also hear Hindi/Urdu and Punjabi
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