Found this incredible rare old photograph of Kashmiri pandit woman in a travelogue 'Topee and turban, or, Here and there in India' (1921) by Newell, H. A. (Herbert Andrews, b. 1869 ). The photograph by R.E. Shorter was used as the frontispiece for this book..
Bedecked by jewels quaint of form
In pherans robed, whose soft folds show
Tints dyed by rays of sunset warm
Flame, crimson, orange, rose aglow!
- lines from poem 'Panditanis' by Muriel A.E. Brown
(Chenar Leaves: Poems of Kashmir, 1921)
I have previously posted old photographs of Kashmiri Pandit women Here and Here
Update [Thanks to Avi Raina]
The tight bracelet around the neck was known as 'Tulsi' and long teethy necklace was known as 'Chapkali'.