You should keep an eye on your wife's spending if you send money to her bank account each month for personal or home costs. According to indian tax regulations, you may be liable for taxes on some uses of this money. This is how it operates:
 

When Does a Tax Liability Arise?

If the Money is Invested:

If your wife invests the money you transfer into schemes like SIPs or mutual funds, the income generated from these investments is treated as your income under the clubbing provisions of the Income Tax Act.
As a result, any tax liability on this income will fall on you, not your wife.
When Tax is Not Applicable to Your Wife:

If the income from such investments is not reinvested, your wife is not required to file an income tax return (ITR) for this income. It remains clubbed with your income.

When Your wife Has to Pay Tax:

If the Earnings are Reinvested:

If your wife reinvests the earnings generated from the initial investments (e.g., dividends, interest, or capital gains), the income from these reinvestments is treated as her income.
This secondary income is calculated on a year-to-year basis and is considered her taxable income.
Depending on her tax slab, she may be required to pay income tax and file an ITR.

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