Abstract: The settler colonial project of India in occupied Kashmir operates through a sustained project of domination, cultural erasure and demographic engineering. While India’s political, military, and demographic interventions in Kashmir are well-documented, their profound and enduring impacts on individuals, particularly the 1989 Kashmiri refugees, remain underexplored. This study addresses this gap by drawing on the ethnographic accounts of the Kashmiri refugees to examine India’s settler colonial project. Drawing on an interpretative phenomenological approach, this research examines how the refugees narrate their displacement and resistance and the long-term impacts of India’s settler colonial logic on their identity, history, culture, and psychological well-being. Situated within a settler colonial and postcolonial theory, this study argues that India’s state governance in occupied Kashmir is an enduring project of territorial occupation, demographic engineering, and cultural erasure. It examines the role of collective agency and the resilience of Kashmiris in shaping their identities in exile. By amplifying the narratives of Kashmiri refugees, this study seeks to articulate a framework that connects the macro-structures of power that view Kashmir as a security issue and an interstate conflict to the micro-texture of lived experiences, repositioning subaltern testimony and indigenous agency within postcolonial/decolonial literature.