What percent of the water on our planet is freshwater (found in glaciers, snow, ice, groundwater, rivers, and lakes)

the answer is d read the article

northern hill zone (nhz)

western himalayan regions of j& k (except jammu and kathua distt.); h.p. (except una and paonta valley); uttaranchal (except tarai area); sikkim and hills of west bengal and n.e. states

north western plains zone (nwpz)

punjab, haryana, delhi, rajasthan (except kota and udaipur divisions) and western up (except jhansi division), parts of j& k (jammu and kathua distt.) and parts of hp (una dist. and paonta valley) and uttaranchal (tarai region)