Voluntary financial commitments and loan repayments cannot be deducted to reduce maintenance obligations.

The Petitioner No. 1 (wife) and Respondent No. 2 (husband) were married on June 24, 2014. Following allegations of dowry harassment and cruelty, the wife left the matrimonial home with her minor daughter (Petitioner No. 2).

In 2016, she filed a petition under Section 125 of the Cr.P.C. seeking maintenance. An ad-interim order in 2018 granted ₹20,000 per month.

However, in the final impugned judgment dated September 14, 2023, the Family Court reduced the total maintenance to ₹13,000 per month.

The Family Court arrived at this figure by deducting the husband's home and vehicle loan EMIs from his gross salary of ₹99,914 and further reduced the wife's share based on her "earning capacity" as a highly educated woman.

Whether the Family Court erred in calculating the respondent's disposable income by deducting non-statutory voluntary liabilities like housing and vehicle loans.

Whether the "earning capacity" or educational qualification of a wife is a sufficient ground to reduce the quantum of maintenance when she is not actually earning.

Whether the maintenance awarded was disproportionate to the actual financial status of the respondent.

The court applied Section 125 of the Cr.P.C. regarding the obligation to maintain dependents.

It relied on Jasbir Kaur Sehgal v. District Judge, Dehradun, establishing that only statutory and involuntary deductions should be considered for maintenance.

It further cited the Division Bench in Subhash v. Mamta @ Raksha, holding that voluntary loan repayments cannot override the primary obligation to maintain a spouse.

Regarding earning capacity, the court cited Rajnesh v. Neha and Shailja & Anr. v. Khobbanna, which mandate that a wife’s capability to earn is not a substitute for actual earning and cannot be a ground to deny maintenance.

Finally, it followed Annurita Vohra v. Sandeep Vohra for the apportionment of income shares.

The High Court found the Family Court’s reasoning legally flawed on three counts. First, it held that deductions for home and vehicle loans are voluntary "non-statutory" commitments that create assets for the husband and cannot be deducted to reduce maintenance liabilities.

Second, the Family Court incorrectly treated the husband's mother as a full dependent without accounting for her independent pension.

Third, the court rebuked the reduction of maintenance based on the wife’s "earning capacity." Integrating Rajnesh v. Neha, the court noted that being highly educated (M.A. Sociology) does not equate to self-sufficiency, especially after years of matrimonial absence.

The court found that the Family Court’s speculative conclusion that the wife was "deliberately" not working lacked evidentiary support and ignored the standard of living she was entitled to.

The court set aside the judgment dated September 14, 2023. It remanded the matter back to the Family Court for a fresh determination of maintenance, with directions to exclude voluntary loan deductions and re-evaluate dependency within one month.