In 498a,406 chargesheet wife has attached gold bills

consult a lawyer with the complete charge sheet. You will have an opportunity to prove our innocence. 

Gift given to you at the time of marriage is not dowry articles nor it's her istridhan that she can claim it back. Secondly in criminal complaint you are not supposed to give any reply back as in civil cases. Your denial of having taken or holding any dowry articles or demanding it from the wife or her parents etc. is sufficient. At the time of recording your statement u/s 313 Cr. P. C you can state that gold chain was presented as a gift to you not as dowry article nor you demanded it and with her own sweet will the same given as gift and it's not her Istridhan.

also bills attached of her stuff like saaris, gold , shoes , cosmetics which she alleges that I have but in reality i do not have anything so what to do about that