Tripta, her daughter Jasmeen (6) and son Bablu (5) drowned in the Kali Beini rivulet. They were residents of Sultanpurlodhi.
Police said the victims had gone to Nirmal Kutiya to take medicines from a charitable mobile van in the morning. When Tripta did not return home, her family members started looking for them and found the boy's body floating in the rivulet.
Divers recovered the other two bodies later, they said.
Sultanpurlodhi DSP Piara Singh said Tripta was mentally upset and might have committed suicide by jumping into the rivulet.
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