Country Risk Report
India
New Delhi
Hindi and English (official); many regional languages
Indian rupee (INR)
Executive Summary
India is classified as a MEDIUM risk destination, with conditions varying widely across a vast and diverse country. The major cities and established tourist circuits function and host millions of visitors, and the medium rating reflects specific do not travel regions, a terrorism threat, crime including risks to women travellers, and everyday hazards such as road safety and air pollution rather than blanket danger. Several regions carry hard restrictions. The Union Territory of Jammu and Kashmir, excluding Ladakh, faces terrorism, militancy and civil unrest, with sporadic violence in the Kashmir Valley. The India-Pakistan border, including the Line of Control, is volatile, with cross-border gunfire, landmine contamination and the Attari-Wagah crossing closed. Manipur in the north-east has suffered ethnic conflict with recurring curfews, and Maoist, or Naxalite, insurgents remain active in parts of central and eastern India, though 2026 has seen a major state offensive against them. In the main tourist and business areas the everyday risks are petty crime, scams and fraud, road-traffic dangers, severe seasonal air pollution in the north, and heightened precautions advised for women travellers, particularly at night and away from tourist areas. Large religious gatherings carry crowd-crush risk.
Risk Matrix
| Category | Risk Rating | Commentary |
|---|---|---|
| Armed Conflict | Moderate | Militancy in Jammu and Kashmir, Manipur ethnic conflict, a Maoist insurgency and border tension. |
| Terrorism | Moderate | A real threat, including in Jammu and Kashmir and periodic attacks elsewhere. |
| Kidnapping | Low | Kidnapping of travellers is uncommon outside Jammu and Kashmir and conflict areas. |
| Crime | Moderate | Petty crime, scams and fraud; risks to women travellers require particular care. |
| Civil Unrest | Moderate | Protests, communal tension and curfews can occur and disrupt movement. |
| Health & Medical | Moderate | Excellent private care in major cities; variable elsewhere. Air pollution is a hazard. |
| Internal Travel | Moderate | Road safety, rail and air variability, and restricted regions affect travel. |
| Digital / Cyber | Moderate | Fraud and scams are common; internet shutdowns occur during unrest. |
Essential Precautions
Security Situation
India's security varies widely, with functioning cities and tourist circuits alongside specific restricted regions. The medium rating reflects Jammu and Kashmir, the Pakistan border, Manipur and the Maoist belt, plus everyday crime and hazards, rather than blanket danger.
Delhi and the North
Mumbai, Goa and the West
Jammu and Kashmir and the Pakistan Border
The North-east and the Maoist Belt
Detailed Risk Assessment
Armed Conflict
India faces militancy in Jammu and Kashmir, ethnic conflict in Manipur, a Maoist insurgency in parts of the centre and east, and volatile tension along the Pakistan border with sporadic cross-border fire. The main cities are outside armed conflict.
Terrorism
There is a real terrorism threat, most acute in Jammu and Kashmir, where groups target security forces and have attacked tourist areas, and periodic attacks occur elsewhere. Crowded places, transport and religious sites warrant vigilance.
Kidnapping and Detention
Kidnapping of travellers is uncommon outside Jammu and Kashmir and conflict-affected areas, where terrorists have abducted foreigners. Express kidnapping and abduction linked to scams occur rarely, and normal caution suffices in the main areas.
Crime and Lawlessness
Everyday crime is mainly petty theft, scams, fraud and overcharging in tourist areas, with lower violent crime against visitors overall, but risks to women travellers, including harassment and assault, require particular care, especially at night and in less-touristed areas.
Internal Travel
Road-traffic accidents are a leading hazard, rail and domestic air travel vary in safety, and the restricted regions constrain movement. Distances are large, and travel is best planned with reputable operators and internal flights.
Health and Disease
Excellent private healthcare is available in the major cities and is a medical-tourism destination, but care is variable elsewhere. Severe seasonal air pollution in the north, food and water illness, and mosquito-borne diseases are the main health concerns.
Cultural and Religious Sensitivities
India is exceptionally diverse across religion, language and custom, and communal and political topics can be highly sensitive. Modest dress at religious sites, respect for local customs, and care around religious and political discussion are advisable.
LGBT Travellers
Same-sex relations were decriminalised in 2018 and urban attitudes are increasingly open, but same-sex marriage is not recognised and social attitudes remain conservative in many areas. Discretion is advisable, particularly outside major cities.
Landmines and Unexploded Ordnance
Landmine and unexploded-ordnance contamination is present along parts of the India-Pakistan border and Line of Control. The risk is concentrated in border areas, which are restricted, and travellers must not enter uncleared border ground.
Diplomatic and Government Situation
India is a stable democracy and major power with functioning institutions and good consular access, though communal and political tensions and periodic large protests occur. Governance is robust and the main risks to visitors are regional and everyday rather than systemic.
Digital and Cyber Threats
Online fraud, scams and card cloning are common, and the authorities impose internet shutdowns during unrest, among the most frequent in the world. Travellers should guard financial data and expect disruption in unrest-affected areas.
Vaccinations & Health Hazards
Strongly Recommended
- Hepatitis A and Typhoid
Recommended due to contaminated food and water.
- Hepatitis B and Tetanus
Recommended for many travellers.
- Japanese Encephalitis
Consider for rural or long stays.
- Rabies
Consider given a high rabies burden.
Other Health Hazards
- Air pollution: Severe seasonal smog affects Delhi and the north; those with respiratory conditions should take care.
- Food and water hygiene: Travellers' stomach is common; drink sealed water and eat freshly cooked food.
- Mosquito-borne illness: Dengue, malaria and Japanese encephalitis are present; take bite-avoidance measures.
- Road safety: Traffic accidents are a leading hazard; use reputable transport.
Choosing the Right Insurance
Cover for India is available on a specialist basis, with Jammu and Kashmir, the Pakistan border and Manipur typically excluded. The main cities and tourist circuits are manageable with standard precautions, while the restricted regions require specialist advice, and cover should include medical and evacuation provisions.
Annex A - Key Risk Dynamics
Checkpoints and Detention Triggers
Security checkpoints are common near borders, in Jammu and Kashmir and during unrest; cooperate calmly. Some areas, including Ladakh and parts of the north-east, require permits. Carry ID and a clear travel purpose. Do not photograph military, borders or sensitive sites.Kidnapping and Detention Dynamics
Terrorists have abducted foreigners in Jammu and Kashmir. Kidnapping is uncommon in the main areas. Be alert to scams that can escalate. Harassment and assault risks require particular care.High-Risk Travellers
Jammu and Kashmir and border travellers face terrorism and cross-border risk. North-east and Maoist-belt travellers face insurgency and ethnic-conflict risk. Women travellers should take heightened precautions. Large-gathering attendees face crowd-crush risk.Annex B - Key Preparation & Checklists
Essential Preparation and Medical
Avoid Jammu and Kashmir, the Pakistan border and Manipur. Hold medical and evacuation cover. Plan transport and accommodation with safety in mind. Prepare for smog and food and water risks.Digital Security and Checkpoints
Guard against fraud and card cloning. Plan for internet shutdowns in unrest areas. Consider a local eSIM. Limit public location sharing.Movement and Operational Security
Avoid the restricted regions and reconsider the Maoist belt. Use reputable operators and internal flights. Take particular care in traffic. Avoid crushes at large gatherings.Conduct and Legal Compliance
Dress modestly at religious sites and respect customs. Be careful with communal and political topics. Never photograph military or borders.This report is provided for information only and does not constitute travel or security advice. Ratings are indicative and subject to change without notice. Confirm current conditions with Hotspot Cover before any deployment.
hotspotcover.com © Hotspot Cover - Country Risk Report