Section 10(2)(a) in Jammu and Kashmir Agrarian Reforms Act, 1976
(a)the mortgagor may apply for restitution of such land to the Collector, having jurisdiction in the area in which it is situate. The Collector shall, on receipt of such application give an opportunity to.the,mortgagor and the mortgagee of being heard and make such further enquiry as may be necessary.