In maintanence yes the EMI's would be considered as a liability .
Liabilities (deductions from net take home not CTC) which are considered by Civil / Criminal Courts under maintenance laws are as follows;
- Dependent unmarried sister(s).
- Dependent brother(s)
- Dependent parent(s)
- Food and lodging (self)
- Loan if any.
- Statutory PF / EPF deductions if any.
- Insurance premiums (self) if any.
- Mediclaim premiums (self) if any.
- Mediclaim and medical treatment for dependent parent(s)
- Mediclaim and medical treatment for dependent sister(s) and/or brother(s)
- Maids salary for household work if any.
- EMI’s on properties / car (self) if any.
- Higher Education / Tuition Fees (self) if any.
- Rent payment of accommodation (self) if any.
- Rent payment of accommodation for dependent parent(s) if any.
- Maintenance charges payments on rented premises such as elevator maintenance, security, gardener, club memberships, generator maintenance, and electricity and water bills which are part of many a RWA’s now-a-days are all statutory deductions.
And as the property is registered on your mother's name your wife would have no rights over the property . Only problem in case a DV case is filed than she can seek Right to residence for which your mom has to disown you and kick you out of the house .
