That is the whole premise of this argument.
You are an Indian, you can't believe it, there are millions of Pakistanis who do find it believable and they want to address Indian Army is terrorists as well.
The point is what the organization is doing, there are many people who can point out terrorist like activities of the Indian Army, from bombings, to rapes, to arson - which is why we also repeatedly say "lets not go there" and lets have cleaner discussion. Terrorist is one of the more nicer words Pakistanis are going to say for Indian Army. When the point is to offend they can be as capable as Indians when they refer to Kashmiri separatists as "bastards, pigs, dogs and sons of bitches".
Technically there should not be any name-calling at all, especially if you know there are people in the audience who support them, this forum is not a ridicule your enemy forum, its a discussion forum about the events and the going ons of the topic. I simply called Bhatkal a militant but there was an objection from the Indian side to insist on calling him terrorist. Such an obsession for name-calling is ridiculous. I didn't mean any praise for him either when I called him militant, I prefer to use neutral terms as much as I can.
When I have to ridicule someone, you'll know it.