u/Kumar139

Husband 55yr , no source of income,

only 3cr in savings acc and FDs ,

3 land plots worth 2cr.

wife 50yr , home maker, no source of income

To build capital for my wife 50yr

I have 3cr in account , I loan my wife 2cr @ 4% , she puts it in fd at 7%

I invest remaining 90 Lkh in Arbitrage fund for 3+ years , rest 10lkh for expenses (enough for 2 year expense)

will the the 4% be picked up for scrutiny . loaning to my wife at 4-5% interest justifiable