1. Can i sue him for adultery? criminal or family?
You, by now, might be knowing that there are two types of cases-criminal cases and civil cases. Divorce case, Restituion, Hindu Adoption and maintenance cases fall within the area of civil cases. Section 498-A case, Section 304-B dowry death case, Section 406 IPC (recovery of istridhan), Section 420 (forcing /cheating the wife to sign on property papers) etc. fall in criminal cases category. The domestic violence Act cases, S.125 Cr.P.C.maintenance cases fall in quasi-criminal proceedings, broadly it means that those are semi-civil and semi-criminal, the reliefs are civil in nature and the proceedings are criminal in nature.
If you want divorce, you can use his adultery as a ground to get the decree. His adultery is a ground for seeking the reliefs under domestic violence Act as well as Section 125 maintenance.
2. Can i sue him for domestic violence?
Definitely. His acts you described in your post come within the purview of physical, mental and economic abuse. The reliefs you get once you invoke domestic violence Act are - maintenance for you and your children, educational and medical expenses for both you and your children, separate residential accommodation if you do not want to live with him under the same roof due to his adulterous and cruel behaviour AND MOST IMPORTANTLY FOR YOU, YOU CAN SEEK THE INDULGENCE OF THE COURT TO GIVE HIM DIRECTION TO PAY THE EQUAL MONTHLY INSTALMENTS WITHOUT FAIL TO THE BANK UNDER HOUSING LOAN ACCOUNT.
3. If i ask for maintainance and pray to court to direct him to pay emi, can i sue him later for adultery and dv, coz i will be homeless if i dnt prioritise the house problem.
For getting maintenance under Section 125 cr.p.c. you have to prove that he is negligent towards you, you are not capable to maintain yourself and he is in a position to pay maintenance. But for seeking maintenance under DV Act and for seeking a direction to him to pay EMI under DV Act (This relief you can get only under DV Act or by filing a separate Civil Suit, which is a costly and cumbersome procedure), you have to prove to the court of violence as defined under Domestic Violence Act (Keeping a concubine, not paying you money for your expenses and physically abusing are violent Acts as per DV Act). You will get relief about house problem by invoking DV Act.
4. How can i charge the concubine for abetting dv?
You cannot charge her for abetting DV. But if you know her name and address and if you file divorce case for adultery, she will be co-respondent along with your husband.
5. Should i ask for restitution fo conjugal rights? If i do then again does my claim to adultery and dv be lost?
I suggest that do not go for restitution, because once you file this petition, it means you are condoning his cruel acts and in you future proceedings for divorce or DV Act, it will be difficult for you to raise the ground of cruelty.