Gift to wife by paying ppf

Yes income will be clubbed to husband’s income.

If you are planning to do so then make PPF A/c in name of your children.

Will help in tax planning

When u give money to your wife.Show it as loan to her .Gifting to wife adds clubing.
 

If u give as a loan keep interest rate as per market ...is a good tax planning..........

Naa.Just get consent form which states i am giving loan to my wife interest free for mutual affection?

Interest need to be paid if its not family matter.For family matters this excuse can work.

Obviously you can state you need to stay in house if  you start charging interest.

yes in that case clubbing shall be applicable.