This is the single most misunderstood area of Indian matrimonial law, largely because of how divorce works in other countries. There is no automatic 50-50, and no concept of matrimonial property that is pooled and divided.
The governing principle: title and contribution
Property belongs to whoever owns it. If the flat is in the husband's sole name, it is his; if in the wife's, it is hers. A spouse claiming a share of property held in the other's name must establish a proprietary claim, usually by proving financial contribution to its purchase, and must prove it with money trails: bank transfers, loan EMIs paid, sale proceeds of their own earlier asset.
Jointly held property
Where the property is genuinely in joint names, each is a co-owner, and the remedy where they cannot agree is a suit for partition or sale and division of proceeds. Note that being a co-borrower on a home loan is not automatically the same as being a co-owner; look at the sale deed.
Because property is not divided, the financial adjustment is made through permanent alimony under Section 25 of the Hindu Marriage Act, which allows the court to order a gross sum or periodic payments and, importantly, to secure it by a charge on the paying spouse's immovable property. In practice, a lump-sum settlement that reflects the value of the home is far more common than a transfer of the home itself.
The three claims that are separate from all of this
- Streedhan, which is the wife's absolute property and must be returned in full
- The right to residence in the shared household under the Domestic Violence Act, which is a right to reside, not a right of ownership
- The wife's share in her own family's property, which the marriage does not touch at all
Hidden assets
The Rajnesh v. Neha affidavit of disclosure is the main tool. Courts can draw adverse inferences from non-disclosure and can look at lifestyle rather than declared income. If you suspect assets are being concealed, raise it early and seek discovery, because it is much harder after evidence has closed.