In the case of Deepa Joshi v. Gaurav Joshi (2026), the Supreme Court of India enhanced the maintenance awarded to a wife, ruling that voluntary salary deductions for asset-building loans cannot be used to reduce a husband’s primary legal obligation to maintain his spouse.
The following is a summary of the judgment:
Case Background
The parties were married in May 2023, but the relationship deteriorated due to alleged physical and mental harassment. Within a year, the appellant-wife was forced to leave the matrimonial home and return to her parents’ residence. Having no independent source of income, she instituted proceedings for maintenance under Section 144 of the Bharatiya Nagarik Suraksha Sanhita, 2023 (BNSS).
Procedural History
- Family Court: On February 25, 2025, the Family Court at Tanakpur awarded maintenance of ₹8,000 per month, taking into account the respondent’s salary structure and deductions.
- High Court: Upon revision, the High Court of Uttarakhand enhanced the amount to ₹15,000 per month.
- Supreme Court Appeal: The wife appealed to the Supreme Court, arguing that ₹15,000 was grossly inadequate and that the lower courts placed undue reliance on voluntary deductions (such as loan repayments) from the husband’s salary.
Key Findings of the Court
The Supreme Court modified the award based on the following legal and financial determinations:
- Financial Capacity of the Respondent: The respondent is a Manager with Canara Bank, drawing a gross monthly income of ₹1,15,670.
- Treatment of Voluntary Deductions: The Court emphasized that deductions for loan repayments, particularly those that contribute to the creation or acquisition of assets, are voluntary in nature. These partake the character of capital investments and cannot be equated with essential or unavoidable expenditures.
- Primary Duty to Maintain: The Court held that the husband’s duty to maintain his spouse is a primary and continuing obligation that cannot be subordinated to voluntary financial arrangements. Maintenance must be fair, reasonable, and commensurate with the husband’s financial capacity and the standard of living the wife enjoyed during the marriage.
- Purpose of Maintenance: Citing established precedents like Chaturbhuj v. Sita Bai and Shamima Farooqui v. Shahid Khan, the Court reiterated that maintenance provisions are intended to prevent destitution and enable a wife to live with a reasonable degree of dignity.
Conclusion and Final Order
The Supreme Court concluded that a sum of ₹25,000 per month was just and reasonable given the facts of the case. The Court directed the following:
- Enhanced Maintenance: The monthly maintenance is increased to ₹25,000, payable from the date of the original application (September 18, 2024).
- Arrears: Any accumulated arrears must be cleared by the respondent within three months.
- Payment Timeline: Future monthly payments must be made on or before the 7th day of each calendar month.
2026 INSC 370
Deepa Joshi V. Gaurav Joshi (D.O.J. 16.04.2026)




