The Floodplain Fallacy: Why Building Near Himalayan Rivers is Financial Suicide: Santa lays out a premium riverside commercial resort right inside an active river flood channel, ignoring municipal restrictions. Banta uses a high-resolution GIS hazard zonation map to expose the geomorphic realities of the 2013 Uttarakhand and 2021 Melamchi disasters, explaining why land-use zoning is our only defense against man-made river tragedies.