जम्मु-कश्मीरनि जुथाइ हायुं आवथायाव मोन्नै खोन्दो दं: जम्मु खोन्दो आरो कश्मीर खोन्दो आरो बिखौ 20 जिल्लायाव बोखोवनाय जादों।
The union territory of Jammu and Kashmir consists of two divisions: Jammu Division and Kashmir Division, and is further divided into 20 districts.