Section 2(12)(vi) in Jammu and Kashmir Agrarian Reforms Act, 1976
(vi)Where land has been mortgaged with possession before or during Kharif, 1971 and the mortgage has not been redeemed before the commencement of this Act, the mortgagor shall, subject to the provisions of section 10, be deemed to have been personally cultivating such land in Kharif, 1971.