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F ¥ÀÄlÖ ¥ÀĸÀÛPÀzÀ°è Qæ²ÑAiÀÄ£ï zsÀªÀÄðzÀ ªÁgÀ¸ÀÄzÁjPÉAiÀÄ ¤AiÀĪÀÄUÀ¼À£ÀÄß ¸ÀÄ®¨sÀªÁzÀ ¨sÁµÀAiÀÄ°è GzÁºÀgÀuÉUÀ¼ÉÆ0¢UÉ ¤ªÀÄUÁV ªÀtÂð¸À¯ÁVªÉ. KHA Karna House Asset Legal Consultant: Sowmya Lakshmi Bhat, Advocate, Bengaluru sowmyaabhat@gmail.com December 2011 KHAS Karnataka Household Asset Survey Centre for Public Policy (CPP) Legal Literacy Booklet INDIAN INSTITUTE OF MANAGEMENT BANGALOREthe (IIMB) Measuring Bannerghatta Road, Bangalore 560076, Karnataka, India Ph: 91 80 26993323. Fax: 91 80 26994050 Email: genderassetgap@iimb.ernet.in Project website: http://genderassetgap.iimb.ernet.in website: www.iimb.ernet.in Gender Asset Gap Hema Swaminathan Suchitra J. Y. ªÉÄÃj «°AiÀĪÀiïgÀ JgÀqÀ£Éà ºÉAqÀw. CªÀjUÉ E§âgÀÄ ªÀÄPÀ̼ÀÄ. «°AiÀĪÀiïgÀ ªÉÆzÀ®£Éà ¥ÀwßAiÀÄÆ EzÁÝgÉ, CªÀjUÀÆ ªÀÄPÀ̽zÁÝgÉ. FUÀ ªÉÄÃj «°AiÀĪÀiïjAzÀ zÀÆgÀªÁVzÁÝgÉ. «°AiÀĪÀiïgÀ D¹ÛAiÀÄ°è ªÉÄÃj ºÁUÀÆ CªÀgÀ ªÀÄPÀ̼À ºÀPÀÄÌ K£ÀÄ CAvÀ w¼ÉÆ̼ÉÆîÃPÉÌ CªÀgÀÄ ¢Ã¥ÁgÀ §½ §gÀÄvÁÛgÉ ¢Ã¥Á: «°AiÀĪÀiïgÀªÀgÀ D¹ÛAiÀÄ°è ¤ªÀÄUÉ AiÀiÁªÀÅzÉà ºÀQÌ®è. ¤ªÀÄä ªÀÄPÀ̽UÉ PÀÆqÁ CªÀgÀ vÀAzÉAiÀÄ D¹ÛAiÀÄ°è AiÀiÁªÀ ºÀPÀÆÌ E®è. • E°è UÀªÀĤ¸À¨ÉÃPÁzÀ CA±ÀªÉAzÀgÉ, MAzÀÄ ªÉÃ¼É «°AiÀĪÀiïgÀªÀgÀÄ CªÀgÀ ªÉÆzÀ®£Éà ¥Àwß wÃjºÉÆÃzÀªÉÄÃ¯É CxÀªÁ ಅವರಿ೦ದ «ZÉÒÃzÀ£À ತೆಗೆದುಕೊ೦ಡ ªÉÄÃ¯É ªÉÄÃjAiÀĪÀgÀ£ÀÄß ªÀÄzÀĪÉAiÀiÁVzÀÝgÉ, ªÉÄÃjAiÀĪÀjUÉ «°AiÀĪÀiïgÀ D¹ÛAiÀÄ°è ¥Á®Ä ¹UÀÄvÀÛzÉ; CªÀgÀ ªÀÄPÀ̽UÀÆ ¥Á®Ä ¹UÀÄvÀÛzÉ • CAxÁ ¸ÀAzÀ¨sÀðzÀ°è ªÉÆzÀ®£Éà ºÉAqÀw¬ÄAzÀ EgÀĪÀ ªÀÄPÀ̽UÀÆ «°AiÀĪÀiïgÀ D¹ÛAiÀÄ°è ¥Á°zÉ E£ÉÆßA¢µÀÄÖ «µÀAiÀÄUÀ¼ÀÄ: 2 • E°è ¨sÀÆ«Ä, ªÀÄ£É ªÀÄÄAvÁzÀ ¹ÜgÀ D¹ÛAiÀÄ£ÀÄß ºÉÃUÉ ¥Á®Ä ªÀiÁqÀ¯ÁUÀÄvÀÛzÉÆà ºÁUÉAiÉÄà ZÀgÀ D¹Û, ¸ÁªÀiÁ£ÀÄUÀ¼ÀÄ, ¨ÁåAPï£À°ègÀĪÀ ºÀt, MqÀªÉAiÀÄ£ÀÄß PÀÆqÁ ¥Á®Ä ªÀiÁqÀ¯ÁUÀÄvÀÛzÉ • ºÁUÉà M§â£À D¹Û AiÀiÁªÀ jÃwAiÀÄ°è ¥Á¯ÁUÀÄvÀÛzÉÆà CzÉà ¥ÀæªÀiÁtzÀ°è ¸Á®ªÀÇ ¥Á¯ÁUÀÄvÀÛzÉ • Qæ²ÑAiÀÄ£ïgÀ°è ªÀÄPÀ̼À£ÀÄß zÀvÀÄÛ vÉUÉzÀÄPÉƼÀÄîªÀÅzÀ£ÀÄß PÁ£ÀÆ£ÀÄ UÀÄgÀÄw¸ÀĪÀÅ¢®è. ºÁUÁV AiÀiÁªÀÅzÉà ªÀÄUÀĪÀ£ÀÄß £ÉÆÃrPÉƼÀî®Ä ªÀÄ£ÉAiÀÄ°è ¸ÀéAvÀ ªÀÄUÀĪÀAvÉ ElÖPÉÆAqÀgÀÆ D ªÀÄUÀÄ«UÉ ªÁgÀ¸Á ºÀQÌgÀĪÀÅ¢®è © December 2011 Centre for Public Policy Indian Institute of Management Bannerghatta Road, Bangalore 560076, Karnataka, India Ph: 91 80 26993323. Fax: 91 80 26994050 Email: genderassetgap@iimb.ernet.in Project website: http://genderassetgap.iimb.ernet.in Website: www.iimb.ernet.in Design and layout: Communication for Development and Learning 11/A, 7th Cross, 17th Main, Koramangala 6th Block Bangalore 560095, Karnataka, India Ph: 91 80 25503481 Fax: 91 80 41478470 Email: cdlblr@gmail.com Website:www.cdlblr.org PÀ£ÁðlPÀ PËlÄ0©PÀ D¹Û ¸À«ÄÃPÉë (SÁ¸ï – KHAS 2010-11) ¥ÀÄgÀĵÀjUÉ ºÉÆð¹zÀgÉ ªÀÄ»¼ÉAiÀÄgÀ D¹Û ªÀiÁ°ÃPÀvÀé §ºÀ¼À PÀrªÉÄ EzÉ J0zÀÄ E0rAiÀÄ£ï E¤ì÷ÖlÆåmï C¥sóï ªÀiÁå£ÉÃeÉä0mï gÀªÀgÀ KHAS 2010-11 ¸À«ÄÃPÉë¬Ä0zÀ PÀ0qÀħ0¢zÉ. ¥ÀæªÀÄÄR D¹ÛUÀ¼À£ÀÄß UÀªÀĤ¹zÀgÉ, PÀ£ÁðlPÀzÀ UÁæ«ÄÃt ¥ÀæzÉñÀUÀ¼À°è ¥ÀÄgÀĵÀgÀ°è 47% ªÀÄ£É ªÀÄvÀÄÛ 39% ªÀåªÀ¸ÁAiÀÄ ¨sÀÆ«Ä ºÉÆ0¢zÁÝgÉ. 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F ¥Àj¹ÜwAiÀÄ£ÀÄß ¥ÀjºÀj¸À®Ä C£ÉÃPÀ zÁjUÀ¼À£ÀÄß C£ÀĸÀj¸À§ºÀÄzÀÄ. CªÀÅUÀ¼À°è ªÁgÀ¸ÀÄzÁjPÉAiÀÄ ¤AiÀĪÀÄUÀ¼À£ÀÄß, CªÀÅUÀ½UÉ ¸À0§0zsÀ¥ÀlÖ0vÀºÀ PÁ£ÀÆ£ÀÄUÀ¼À£ÀÄß ¥ÀæwAiÉƧ⠪ÀåQÛAiÀÄÆ w½zÀÄPÉÆ0qÀÄ C¼ÀªÀr¸ÀĪÀÅzÀÄ Cw ªÀÄÄRå. ¨sÁgÀvÀzÀ°è F ¤AiÀĪÀÄUÀ¼ÀÄ ªÀåQÛUÀ¼À zsÀªÀÄðzÀ DzsÁjvÀªÁVªÉ. F ¥ÀÄlÖ ¥ÀĸÀÛPÀzÀ°è Qæ²ÑAiÀÄ£ï zsÀªÀÄðzÀ ªÁgÀ¸ÀÄzÁjPÉAiÀÄ ¤AiÀĪÀÄUÀ¼À£ÀÄß ¸ÀÄ®¨sÀªÁzÀ ¨sÁµÀAiÀÄ°è GzÁºÀgÀuÉUÀ¼ÉÆ0¢UÉ ¤ªÀÄUÁV ªÀtÂð¸À¯ÁVªÉ. Legal Consultant: Sowmya Lakshmi Bhat, Advocate, Bengaluru sowmyaabhat@gmail.com December 2011 Centre for Public Policy (CPP) INDIAN INSTITUTE OF MANAGEMENT BANGALORE (IIMB) Bannerghatta Road, Bangalore 560076, Karnataka, India Ph: 91 80 26993323. Fax: 91 80 26994050 Email: genderassetgap@iimb.ernet.in Project website: http://genderassetgap.iimb.ernet.in website: www.iimb.ernet.in Qæ²ÑAiÀÄ£ïgÀ°è D¹Û ºÀPÀÄÌ ªÀÄvÀÄÛ ªÁgÀ¸Á PÁ£ÀÆ£ÀÄ M§â Qæ²ÑAiÀÄ£ï ªÀåQÛAiÀÄ D¹ÛAiÀÄ ªÉÄÃ¯É AiÀiÁjUÉ ºÉÃUÉ ªÀÄvÀÄÛ JµÀÄÖ ºÀQÌgÀÄvÀÛzÉ? CªÀ£À/ CªÀ¼À £ÀAvÀgÀ CªÀgÀ D¹ÛUÉ ¥Á®ÄzÁgÀgÀÄ AiÀiÁgÀÄ? 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DzÀgÉ EzÀgÀ®Æè ¥ÀÄgÀĵÀgÀ ªÀÄvÀÄÛ ªÀÄ»¼ÉAiÀÄgÀ £ÀqÀÄªÉ §ºÀ¼ÀµÀÄÖ ªÀåvÁå¸ÀUÀ½ªÉ. GzÁºÀgÀuÉUÉ UÁæ«ÄÃt¥ÀæzÉñÀUÀ¼À°è ªÀÄ£É ºÉÆ0¢gÀĪÀ ¥ÀÄgÀĵÀgÀ°è 58% vÀªÀÄä vÀ0zÉvÁ¬ÄAiÀÄj0zÀ ¦vÁæfðvÀªÁV ¥ÀqÉ¢zÁÝgÉ DzÀgÉ ªÀÄ£É ºÉÆ0¢gÀĪÀ ªÀÄ»¼ÉAiÀÄgÀ°è EzÀÄ 13% ªÀiÁvÀæ. ªÀåªÀ¸ÁAiÀÄ ¨sÀÆ«ÄAiÀÄ0vÀºÀInheritance M0zÀÄ GvÁàzÀPÀ D¹ÛAiand ÀÄ°è F Succession vÁgÀvÀªÀÄå E£ÀÆß C¢üPÀLaws Christian 85% ¥ÀÄgÀĵÀjUÉ ºÉÆð¹zÀgÉ ¸Àj¸ÀĪÀiÁgÀÄ 14% ªÀÄ»¼ÉAiÀÄgÀÄ ªÀiÁvÀæ vÀªÀÄä vÀ0zÉvÁ¬ÄAiÀÄj0zÀ ¦vÁæfðvÀªÁV ¥ÀqÉ¢zÁÝgÉ. ¨sÁgÀvÀ ¸ÁévÀ0vÀæ ÷å ¥ÀqÉzÀÄ 64 ªÀµÀðUÀ¼ÁzÀªÉÄÃ®Æ £ÀªÀÄä ¸ÀªÀiÁdzÀ°è EµÀÄÖ the Hindu Inheritance and Succession Laws Rights under the ¥ÀæªÀiÁtzÀ °0UÀvÀé-vÁgÀvÀªÀÄåªÀ£ÀÄß PÁtĪÀÅzÀÄ M0zÀÄ UÉÆ0zÀ®zÀ «µÀAiÀÄ. F ¥Àj¹ÜwAiÀÄ£ÀÄß ¥ÀjºÀj¸À®Ä C£ÉÃPÀ zÁjUÀ¼À£ÀÄß C£ÀĸÀj¸À§ºÀÄzÀÄ. CªÀÅUÀ¼À°è ªÁgÀ¸ÀÄzÁjPÉAiÀÄ ¤AiÀĪÀÄUÀ¼À£ÀÄß, CªÀÅUÀ½UÉ ¸À0§0zsÀ¥ÀlÖ0vÀºÀ PÁ£ÀÆ£ÀÄUÀ¼À£ÀÄß Muslim Succession Laws ¥ÀæwAiÉƧâInheritance ªÀåQÛAiÀÄÆ w½zÀÄPÉÆ0qÀÄand C¼ÀªÀr¸ÀĪÀÅzÀÄ Cw ªÀÄÄRå. ¨sÁ gÀvÀzÀ°è F ¤AiÀĪÀÄUÀ¼ÀÄ ªÀåQÛUÀ¼À zsÀªÀÄðzÀ DzsÁjvÀªÁVªÉ. F ¥ÀÄlÖ ¥ÀĸÀÛPÀzÀ°è Qæ²ÑAiÀÄ£ï zsÀªÀÄðzÀ ªÁgÀ¸ÀÄzÁjPÉAiÀÄ ¤AiÀĪÀÄUÀ¼À£ÀÄß ¸ÀÄ®¨sÀªÁzÀ ¨sÁµÀAiÀÄ°è GzÁºÀgÀuÉUÀ¼ÉÆ0¢UÉ ¤ªÀÄUÁV ªÀtÂð¸À¯ÁVªÉ. Rights relating to Marriage and Property Legal Consultant: Sowmya Lakshmi Bhat, Advocate, Bengaluru sowmyaabhat@gmail.com December 2011 Centre for Public Policy (CPP) INDIAN INSTITUTE OF MANAGEMENT BANGALORE (IIMB) Bannerghatta Road, Bangalore 560076, Karnataka, India Ph: 91 80 26993323. Fax: 91 80 26994050 Email: genderassetgap@iimb.ernet.in Project website: http://genderassetgap.iimb.ernet.in website: www.iimb.ernet.in Qæ²ÑAiÀÄ£ïgÀ°è D¹Û ºÀPÀÄÌ ªÀÄvÀÄÛ ªÁgÀ¸Á PÁ£ÀÆ£ÀÄ M§â Qæ²ÑAiÀÄ£ï ªÀåQÛAiÀÄ D¹ÛAiÀÄ ªÉÄÃ¯É AiÀiÁjUÉ ºÉÃUÉ ªÀÄvÀÄÛ JµÀÄÖ ºÀQÌgÀÄvÀÛzÉ? CªÀ£À/ CªÀ¼À £ÀAvÀgÀ CªÀgÀ D¹ÛUÉ ¥Á®ÄzÁgÀgÀÄ AiÀiÁgÀÄ? D¹ÛAiÀÄ°è ªÀÄ»¼ÉAiÀÄ ºÀPÉ̵ÀÄÖ? EªÉ®è «ªÀgÀUÀ¼ÀÄ ªÀÄvÀÄÛ PÁ£ÀÆ£À£ÀÄß CxÀðªÀiÁrPÉƼÀÄîªÀÅzÀPÁÌV F ¥ÀÄlÖ ¥ÀĸÀÛPÀ. E°è, vÀªÀÄä ¥Á®Ä/ ºÀPÀÄÌUÀ¼À£ÀÄß CjvÀÄPÉƼÀî §AiÀĸÀĪÀ ¹°éAiÀiÁ, ¨É£Àì£ï, ¨É¤mÁ, «¯Áä ¹PÉéÃgÁ, ªÉÄÃj ¥ÀAiÀĸï, ¦Ãlgï - EªÀgÀÄUÀ¼ÀÄ ªÀQîgÀ §½ ºÉÆÃV vÀªÀÄä ¥Àæ±ÉßUÀ½UÉ GvÀÛgÀ ¥ÀqÉAiÀÄÄvÁÛgÉ. N¢. CªÀgÀ ¥Àæ±Éß-GvÀÛgÀUÀ¼À ªÀÄÆ®PÀ, ¤ªÀÄä ºÀPÀÌ£ÀÄß Cj¬Äj. 4 PÁ£ÀÆ£ÀÄ w½zÀÄPÉƽî. 7 11 14 KHA Karna House Asset Rights under the Christian Inheritance and Succession Laws 4 Who has rights over a Christian individual’s assets? Who are the successors to her/his property? How does her/his property get partitioned? What rights does a woman have in such property? The following pages help you get the answers to all these questions and the laws related to them. Read them. Here, Sylvia, Benson, Benita, Vilma, Mary and Peter approach a lawyer in order to understand their rights to property. Through their conversations, you may get to know about your rights. Know what the law says. Sylvia has some property that she has inherited from her father. Recently her husband passed away. She now wants to know how her husband’s property will be divided and also wants to know how she can bequeath her own assets. Therefore she goes to a lawyer, Deepa. Deepa: How many children do you have? Had your husband written a will? Sylvia: I have two children – a daughter and a son. My husband has not left behind a will. 5 Deepa: In that case, you will get 1/3 share in your husband’s property, and the remainder of it will get equally divided between your two children, i.e., 1/3 to your son and 1/3 to your daughter. Now regarding your own property, you can prepare a will specifying in it who should be the recipients of your property upon your death. In the event that you don’t write a will, after your death, your property will be equally divided between your son and daughter. Benson and Benita are siblings. Their father, John, died when they were very young. Their grandparents had two other children besides their father – another son, Vincent and a daughter, Rita. Now, their grandfather has died and they come to Deepa wanting to understand how his property is to be divided. Deepa: Since your grandmother is alive, she will receive 1/3 share in your grandfather’s property. In what remains, three equal divisions have to be made – one each for your father, Vincent and Rita. Since your father is not alive, both of you have equal shares in his share, i.e., each of you will get 1/9 of the property. Some important points: • The Christian laws of inheritance and succession are the same for both men and women. • All property owned by an individual, no matter what the mode of acquisition, is treated as her/his selfacquired property. • During the individual’s life-time, no one can lay any claims on her/his property. She/he can sell it, will it or gift it away to anyone. • If the property is not willed, then upon the death of the individual, it will devolve to her/his successors. Mary Pais has a son and a daughter. The son is no more and is survived by his widow. Recently Mary’s husband died and she approaches Deepa. She wants to know how her husband’s property will be divided and specifically wants to know if she can help her daughter-in-law by giving her some of this property. Deepa: Since your husband has not written a will, you will receive 1/3 share in your husband’s property and your daughter will get the remaining 2/3. Your daughter-in-law does not have a share in your husband’s property – she has a share only in her husband’s property. If your son and daughter-in-law had had children, the children would have had a share in their grandfather’s property since children of a predeceased child have rights to property. However, the spouse of a pre-deceased child does not have any rights. Vilma Sequira is 60 years old and does not have any children. Her husband died recently. His other relatives are a brother and a nephew (son of a deceased sister). Vilma comes to Deepa asking about the division of her husband’s property. Deepa: You will receive 1/2 of your husband’s property. Of the remaining half, his brother and nephew will get equal shares, i.e., each of them will get 1/4 of the property. Points to note: • If the deceased individual has a wife and children, then the wife gets 1/3 share of his property and all the children have equal shares in the remaining 2/3. If any of the children of the deceased individual have predeceased him, and they have children, then the children of the individual’s pre-deceased children will get equal shares in the share that their parent would have received. • If the deceased individual has a wife and no children, but has other blood-relatives, then the wife gets 1/2 of his property and the blood relatives get equal shares in the remaining half. • If the deceased individual has a wife but no children, grand-children, great-grand-children or any other blood relatives, then the wife gets his entire property. • If the deceased individual’s wife is pre-deceased and they are survived by children, then his property is divided equally among the children (and grand-children in the case of pre-deceased children). If the individual has no children or grandchildren, then the property will go to his other blood relatives. • When an individual has surviving direct descendents, i.e., children, grand-children, greatgrand-children, then other blood relatives, i.e., father, mother, brother, sister, niece, nephew, etc., do not have a right to the property. Julian D’ Souza’s husband died a few years ago. She does not have any children. She has two sisters and two brothers. One of her brothers is also no longer alive and is survived by three children. When Julian D’ Souza dies, her nephew (brother’s son), Peter, approaches Deepa asking her what to do with Julian’s property. 6 Deepa: Julian’s property has to be divided into four equal shares – one for each of her four siblings. You and your two siblings will get equal shares in the 1/4 that your father would have received. Peter also asked her to explain to him the process of willing property. Deepa: A will comes into effect only upon the death of the person writing it. Therefore, we can change a will as many times as we want during our lifetime, and can also cancel it if we so want. We can will only property that belongs to us, and can give it to anyone we desire. Law does not prescribe a format of a valid will. However, certain points need to be kept in mind while drafting a will. A will should be as clear as possible and the writing should not give way to any doubts or misconceptions. Besides stating who will receive how much, it is also good to spell out in the will the reasons for such division. It is not necessary to write a will on stamp paper and have it registered but it is desirable to do so since it will have greater legal standing in case it is contested. Two witnesses are mandatory for a will whether it is on stamp paper or ordinary paper. Points to note regarding devolution of property to other blood relatives: • Only when the deceased individual is not survived by a spouse and direct descendents does the property go to other blood relatives. • Among the other blood relatives, if the father of the deceased individual is alive, then all the property will go to the father. • If the father of the deceased individual is not alive but the mother is, the entire property will go to her only when other blood relatives including siblings, nieces and nephews are also not alive. • If the father of the deceased individual is not alive but the mother is, and there are other blood relatives such as brothers, sisters, nieces and nephews, then all such blood relatives including the mother share equally in the property. Mary is William’s second wife and they have two children. William has children through his first wife too, who is also alive. A few days back, William died suddenly in an accident. Mary comes to Deepa asking if she would have any rights to William’s property. Deepa: Neither you nor your children have any rights to William’s property. Only his first wife and her children have rights to inherit their father’s property. • What is to be noted here is that if William had married Mary upon the death of or after getting divorced from his first wife, then both Mary and her children would have had a share in William’s property. In such an event, the children of William’s first wife would have also had equal shares in the property as Mary’s children. A few more important issues: • Just as immoveable property such as land, house, etc., are partitioned as described here, moveable assets including bank deposits, jewellery, furniture, vessels, etc., are also similar divided. • The liabilities of the deceased individual are also divided in the same ratio as the assets. • Christianity does not recognise adoption legally. Therefore, an individual can only be the guardian of a child that she or he adopts and not the parent. Such an adopted child (ward) does not have any legal inheritance and succession rights in the property of the guardian. Rights under the Hindu Inheritance and Succession Laws 7 Who has rights over a Hindu individual’s assets? Who are the successors to her/his property? What is ancestral property? How does self-acquired property get partitioned? What rights does a woman have in such property? The following pages help you get the answers to all these questions and the laws related to them. Read them. Here, Mangala, Ramakka and Vidya approach a lawyer in order to understand their rights to property. Through their conversations, you may get to know about your rights. Know what the law says. 8 Mangala lives in the city with her husband and three daughters. She has two brothers, Shekhar and Murthy. Their parents live with Shekhar and his family in their native place, where they have 10 acres of land and plantations. Murthy and his family also live in the city, where he has a good factory job. Recently, Murthy went to his father and asked for his share in the property, and this led to strife within the family. Shekhar maintained that since he is the one who has been tending to the lands for all these years, he should get a higher share in it. Mangala, aware that daughters also have a share in parental property, also went and sought her share in it. Her brothers, however, turned her down saying that they had spent an enormous amount of money on her wedding, and therefore they would now give her Rs. 50,000 and nothing more. Feeling somewhat unsure about the situation, Mangala consulted a lawyer, Susheela. Susheela: The main factor that determines how the property should be partitioned is whether this is your father’s ancestral property or self-acquired. Ancestral property refers to that which has been inherited by him from his father, grandfather or other ancestors. Selfacquired property is that which he has acquired himself with his own efforts. Mangala: Of the total 10 acres, 8 acres is ancestral lands. The remaining 2 acres were acquired by my father himself. Susheela: While your father is alive, only his ancestral property can be partitioned. That will be divided into 4 equal parts – one each for you, Shekhar, Murthy and one for your father himself. This means that each of you will get 2 acres of land. Your mother does not have any share in this ancestral property. Mangala: How about my father’s self-acquired property? Susheela: His self-acquired property would now be the sum of the 2 acres he receives as a result of the partitioning of the ancestral property and the 2 acres that he had himself acquired earlier. It is up to him to decide what he wants to do with these 4 acres. He is free to sell it, gift it or will it to anyone that he pleases. To will means to put down in writing to whom this property will belong upon his death. Your father is free to will it to anyone including a non-family member as well. In case he chooses not to will his property, upon his death, that will be partitioned equally among your mother, yourself and your two brothers. Therefore, the four of you will receive 1 acre each. Mangala: So I have an equal share as my brothers? All the expenses they claim were made on me are then not relevant in this context? Susheela: Yes, you have a share equal to that of your brothers. Didn’t your parents incur any expenses on your brothers? Don’t all parents incur expenses on both sons and daughters? There is no connection between any such expenses and share in property. • Ancestral property can be partitioned during the lifetime of the head of the household. • The coparceners in ancestral property are the head of the household and all his children irrespective of sex. All these coparceners have equal shares in the property. The spouse of the head of the household does not have any coparcenery share. • If the ancestral property is partitioned during the lifetime of the head of the household, his share in it becomes akin to his self-acquired property and he has complete rights over it. • If the head of the household does not will away his share in ancestral property, upon his death, this share will devolve equally to his successors namely his widow, mother, daughters and sons. • If the ancestral property is not partitioned during the lifetime of the head of the household, then upon his death, the surviving coparceners can partition it or allow it to remain in status quo. If they decide to partition it, then it will be done as explained above – first the property is partitioned among the coparceners, i.e., the head of the household and his children; and second, in the deceased head’s share, his successors, i.e., his widow, mother and children, will get equal shares. • The self-acquired property of an individual can be alienated, i.e., willed, sold or gifted by him or her in any manner he or she so pleases. If none of these are done during their lifetime, then upon their death, this property will devolve equally to their successors. • If any of the successors of the deceased individual is a pre-deceased child, then the spouse and children of this pre-deceased child have equal shares in the share of their spouse/ parent. 9 Chikkanna died one year ago, leaving 8 acres of land done in both your names jointly, then you and two houses, all his self-acquired property. His would have been an equal owner in it as your widow, Ramakka, has 2 acres of property which she husband. Now, you will only receive that share inherited from her father. They have two daughters of the property you are entitled to as one of the and a son. All the children are married and have successors. children of their own, and they all live independently in separate households. One month back, the son Ramakka: Alright. Then what about my own property? How would that be partitioned? died in an accident. His widow who works in a bank comes to Ramakka seeking her share in the family property. Ramakka approaches Susheela to find out Susheela: Now, your property includes the 2 acres that you received from your father and the 2 acres that you how the property should be partitioned. will get from the partitioning of your husband’s property. This is now like your self-acquired Susheela: Had your husband left behind a will? property and you can will it to anyone that you Ramakka: He has willed the two houses one to please or you can sell it or gift it. However, if you each of our daughters. But the will is do not do any of these, then upon your death, it not on any stamp paper and has not will be devolve in equal shares to your children. been registered either. Susheela: It is not necessary to have a will registered. It suffices if it is clearly spelt out. So now, the 2 houses have been bequeathed. Let us see how the rest of the property will be divided. The 8 acres of your husband’s self-acquired property must be divided into 4 equal parts – one each for you and your three children. That means each of you will receive 2 acres. The 2 acres that should have gone to your son will now be equally divided between his widow and son. Ramakka: If it is my husband’s property, should it not belong to me too? I have also worked hard to earn and purchase it. Shouldn’t half the property come to me? Susheela: No, it cannot be done in that manner. There is no law that says that half the husband’s property goes to the wife. Only what is there in your name belongs to you. However, when the property was registered, if it had been Some details about a will: • Whatever is put down on a will comes into effect only after the death of the person writing the will. Therefore, during one’s lifetime, one is free to change the contents of the will as many times as one pleases. An individual can even cancel a will that has been written. • One can will only one’s self-acquired property. One cannot will any property that does not belong to her or him – such a will would fail any legal scrutiny. • One is free to will one’s property to anyone she or he so desires. • Law does not prescribe a format of a valid will. However, certain points need to be kept in mind while drafting a will. • A will must be spelt out as clearly as possible. In addition to stating who would receive what share of the property, it is also desirable to describe why the sharing is to be done in this manner. • A will should always be signed by two witnesses. While a will can be written out on plain paper and not necessarily on any stamp paper to be registered, it is desirable to do so. This would make it easy to provide it as evidence in court. Note: A Hindu man’s successors include his widow, children and mother. However, a Hindu woman’s successors include only her widower and children. Thereby: • If a woman dies without willing her self-acquired property (acquired through her own efforts), upon her death, this property will devolve to her successors namely her husband and children. In the event that she does not have any such successors (or their children), then this property will devolve to her husband’s successors. Only if her husband also does not have any successors, then it will devolve to her own parents. If her parents are not alive, then it will devolve to her father’s successors which would include her siblings, nieces, nephews and so on. • However, if a woman dies without making a will, having no direct successors (i.e., husband and children), and if the property left behind by her was inherited by her from her husband, then, this property will devolve to her husband’s successors. In a similar circumstance, if that property was inherited by her from her natal home, then it will devolve back to her natal home. Vidya is 18 years old now. She lives in a joint family which constituted her parents, her grandparents (father’s parents) and her uncle’s (father’s brother) family. Her parents died when she was very young. She has since been brought up by her uncle and aunt, who have 2 sons. All these members of the joint family live together in the same house and farm the family’s agricultural lands and plantations. Vidya also has an aunt (father’s sister), who is married and lives in the neighbouring village. Vidya’s grandparents are also currently no more. Her uncle now wants to sell the family land, and she is struck by the doubt that she too has a share in this land. She goes to Susheela. 10 Susheela: Do you know what the total extent of the property is and how it was acquired? Vidya: Currently, including the lands and the plantations, there is 15 acres. Of this, 13 acres has been there for several years, and my father and uncle had been tending to it together. About 10 years ago, my uncle added 2 acres to the property. These 2 acres are adjacent to the 13 acres. Susheela: Of the total 15 acres, three equal divisions are to be made. One each for your father, your uncle (father’s brother) and aunt (father’s sister), i.e., each one will get 5 acres. The 5 acres that should have gone to your father will now become your property. What about the house? Whose is it? Who built it? Vidya: The house was constructed by my grandfather and the documents are still in his name. My uncle has spent some amount on repairs and maintenance over the years, and he has also added one extra room to the house. Susheela: Does your uncle have any other source of income? Vidya: No, he doesn’t have any other income sources. Susheela: The house is then undivided family property or joint family property. The three of you – you, your uncle (father’s brother) and your aunt (father’s sister) are coparceners in it. When it is partitioned, the three of you will receive equal shares in it. Therefore, you have a share in the house as well. • There is the concept of joint family property under Hindu succession laws. This refers to the property/ business that is jointly owned and/or worked on by all members of a household. A single individual cannot alienate (sell, will or gift) such property as he or she pleases. • Even if one of the members of the joint family has put in greater efforts in maintaining such property, he or she is not entitled to a greater share in it. • Even if one of them has added to the joint family property through the income he has earned from the existing property (and not through other income sources), the additional property would not become his self-acquired property. It would become part of the joint family property, which when partitioned would devolve to all the coparceners in equal shares. Daughters are also coparceners in joint family property. • However, it is worth noting here that in any joint family property, the spouse of any of the coparceners does not have any ownership nor any share. Only when a coparcener dies without leaving a will, his share in the joint family property will devolve equally to all his successors, which includes his widow. Some more important issues: • All immoveable property (house, land, buildings) and moveable property (vessels, jewellery, bank deposits, cash, etc.) follow the same rules of inheritance and succession. • The jewellery and other items given to a woman at the time of marriage irrespective of who it is given by, is called her ‘Stridhan’ and remain her own property. • The deceased individual’s liabilities are partitioned in the same manner as her or his assets. • Hindu personal laws recognise adoption legally. All adopted children are treated as equals of the biological children of parents when it comes to inheritance and succession. Adopted children will not be entitled to a share in the assets of their biological parents or ancestors. Rights under the Muslim Inheritance and Succession Laws 11 Who has rights over a Muslim individual’s assets? Who are the successors to her/his property? How does her/his property get partitioned? What rights does a woman have in such property? The following pages help you get the answers to all these questions and the laws related to them. Read them. Here, Usman, Rabia, Nazira Banu and Mumtaz Banu approach a lawyer in order to understand their rights to property. Through their conversations, you may get to know about your rights. Know what the law says. Mohammad Usman and Rabia Begum are a couple living in the city with their children. Usman works as a contractor. His father Ismail lives in the village with Usman’s brother Saliluddin and his family. They have 5 acres of land and plantations in the village. Recently, Usman approached his father seeking a share in his father’s property and this led to quarrels among the brothers. Saliluddin said that he is the one who has borne the responsibility of tending to the property, and that if their father now gives Usman a share in it, he would feel cheated. Usman and Rabia decide to find out what their legal rights to the property are and approach a lawyer, Abdul Shakeer. Abdul Shakeer: To whom does this property belong? 12 Usman: Can you please tell us how the property will be partitioned then? Abdul Shakeer: Partition of the property would happen after your father’s death. You have only one brother, right? Is your mother alive? How about any sisters? Usman: Listening to this, now Rabia Begum also wanted to know what rights she would have in her own parents’ property. Rabia: It belongs to our father. Abdul Shakeer: Your rights to your father’s property will come into effect only upon your father’s death, not while he is alive. Therefore, whether or not to give a share of his property during his lifetime is entirely his decision. Your brother does not have a right to object. Usman: Main points to note: Abdul Shakeer: As I said earlier, you will have a right to their property only upon their death. It will be partitioned in the following manner: • Your mother will first receive 1/8 share in your father’s property. In what is remaining, your brother will get 2/3 and you will get 1/3 shares. • If your mother predeceases your father, then upon his death, in his entire property, your brother will get 2/3 and you will get 1/3 shares. • In your mother’s property, your father will receive 1/4 share. In what is remaining, your brother will get 2/3 and you will get 1/3 shares. • If your father predeceases your mother, then upon her death, in her entire property, your brother will get 2/3 and you will get 1/3 shares. Our mother is not alive. We have three sisters. Abdul Shakeer: In that case, you and your brother will get 2/7 share each while each of your sisters will get 1/7 share. Essentially, sisters will get a half of what the brothers get in parents’ property. Sir, we are two siblings – my brother and me. Both our parents are alive and live in the neighbouring village. Our father has some property, and our mother also has some property which she received from her father. What share would I have in these? • The Muslim personal laws are applicable to all matters of inheritance and succession among Muslims. • Property here includes both immoveable (land, house, site, etc.) and moveable (jewellery, vessels, furniture, bank deposits, etc.) • Upon the death of an individual, his money/property is first kept aside to pay for his final rites, other related expenses and repay any small borrowings he might have made. • After all this is done, as per the individual’s will (if there is one), a maximum of 1:3 is given to the recipients as written in the will, and then the rest of the property is partitioned among the successors. • All successors bear the liabilities of the deceased individual in the same ratio that they receive their shares in his assets. Fathima’s father died 10 years ago. She lives with her mother Nazira Banu. Her grandfather (father’s father), who owns 15 acres of land, has two other children – another son and a daughter. Upon Fathima’s grandfather’s death, Nazira Banu approaches Abdul Shakeer to find out if she or her daughter would get any share of her father-in-law’s property. Abdul Shakeer: Is your mother-in-law alive? Who are your father-in-law’s other close relatives who are alive? Nazira Banu: My mother-in-law is not alive. My father-inlaw’s father is still alive. Abdul Shakeer: In that case, your father-in-law’s father will first receive 1/6 of his son’s property. In what remains, 2/3 will go to your brotherin-law (husband’s brother) and 1/3 will go to your sister-in-law (husband’s sister). Neither you nor your daughter will get any share in his property. As you can see, your father-in-law’s father has a share in his property, and his grandfather, if alive, would have also had a share in it. However, since he also has a daughter who will get her share and you do not have a son, your daughter will not receive anything in that property. To note: • • 13 • In the situation described above, if Nazira Banu’s husband had been the only son of his father and hadn’t had a sister either, then Fathima would have received 1/2 share of her grandfather’s property. The concepts of ‘sharers’ and ‘residuaries’ are important in understanding Muslim succession laws. A deceased individual’s property will always first devolve to the sharers. When there are no sharers, or if there are some portions of the property remaining after the distribution among the sharers, then the property will go to the residuaries. • If Shahina’s mother had been alive, then her mother would have first received 1/6 share in her son’s property and Shahina would have received 1/2 of the remaining property. Mumtaz Banu has some property in her name. Her husband is alive, and they have a daughter. They don’t have any sons. She approaches Abdul Shakeer to understand how her property will be divided upon her death. Abdul Shakeer: You can will a maximum of 1:3 of your property. In what remains, your husband will get 1/4 share and your daughter will get 1/2. If your husband predeceases you, you will get 1/8 in his property and your daughter will get 1/2. Some important issues to note: • A widow is entitled to 1/8 share in her deceased husband’s property. If the man has more than one wife, they share equally in that 1/8 share. • A widower is entitled to 1/4 share in his deceased wife’s property. • Parents are entitled to 1/6 share in children’s property. • A daughter is entitled to half of what her brother would receive in their parents’ property. If she doesn’t have any brothers, then she will receive half of the entire property. • If the deceased individual has only a pre-deceased son and no other children alive or deceased, then the daughter of the pre-deceased son will receive 1/3 share and the son of the pre-deceased son will receive 2/3 share in the deceased individual’s property. • If the deceased individual has a pre-deceased son as well as a daughter, and the pre-deceased son has a son and a daughter, then the deceased individual’s daughter will receive 1/2 share of his property, and in the remaining half, the son of the pre-deceased son will receive 2/3 and the daughter of the pre-deceased son will receive 1/3. Who the sharers and residuaries are, and what shares they will get typically differs based on each case. Shahina Parvin is married and lives with her husband and children. Two years ago, when her father died, she received 1/3 share in his property while her only brother received 2/3 share in the same. Now, her brother has died. He was neither married nor had any children. Shahina thus received a 1/2 share in her deceased brother’s property. • • Under the Muslim laws, a woman has rights to her parents’, grandparents’, children’s and even siblings’ property. However, whether or not she has a right and if so, what her share is, is dependent on who the sharers in each case are, and whether the woman is a sharer or a residuary. In the case above, Shahina received half of her deceased brother’s property only because he did not have any surviving wife or child. If he had had a wife and children, then they would have been entitled to his property first and only if there were some portions of the property left, then she might have received some share in it. o Note that this would have been the case with Fathima if she had had a brother. However, since she did not have a brother, she did not receive any share in her grandfather’s (father of her pre-deceased father) property. • Islam does not recognise adoption legally. Therefore, an individual can only be the guardian of a child that she or he adopts and not the parent. Such an adopted child (ward) does not have any legal inheritance and succession rights in the property of the guardian. Rights Relating to Marriage and Property What rights does a woman have in the household’s assets? 14 Does a married woman automatically have rights over her husband’s property? What is maintenance and who can claim it? The following pages help you get the answers to all these questions and the laws related to them. Read them. Here, Shubha, Pavana, Mala, Mumtaz and Sabina approach a lawyer in order to understand their rights to property. Through their conversations, you may get to know about your rights. Know what the law says. 15 Shubha and Ravi have been married for 8 years and live in their own house. Ravi has a good business enterprise in the city and also has 5 acres of land in the nearby village. Shubha takes care of all the agricultural operations. For some reason, Shubha and Ravi have decided to get divorced now. Shubha wonders what share she will get in the family’s assets. Therefore, she approaches a lawyer, Sheela. • Maintenance and share in husband’s property are very different sets of rights. • A divorced woman does not have any rights to the assets of her husband and his family. She has claims over only those assets which are in her name. This rule is the same across the personal laws of all religions. Sheela: Is the house registered in your name? Or is it jointly registered in both your names? How about the agricultural land? Is at least some portion of it registered in your name or is it jointly registered? • For instance, a wife may be equally responsible for looking after the house, lands and businesses. Any number of years into the marriage and no matter how intense her role in managing the assets, she will not become an owner of these assets unless they are also registered in her name. • However, if a divorced couple has children, the children have a right to their father’s property and also have rights to maintenance from the father. Shubha: No, they are all registered in Ravi’s name only. Sheela: In that case, you will not get any share of either the house or the land. Shubha: How can that be the case? I am the one who looks after the cultivation and everything to do with the land. I have also contributed to the building of the house. How come I don’t get anything now? Sheela: Yes, that is how the law is. There is no law that says that once you get married, you are automatically entitled to any rights over your husband’s property. It is also not the case that after a few years after marriage, you get such an entitlement because you have been looking after and managing all the assets. You are entitled only to whatever assets are in your name. However, what you can get from your husband is maintenance. Shubha: What is maintenance? What are my rights associated with that? Sheela: Maintenance is the right that every married woman can claim of her husband – it is the right to be looked after by the husband. This means that while married or even if separated or divorced, the law says that the husband or ex-husband as the case may be, must ensure that the wife or ex-wife is provided for adequately in order to lead her life and meet her expenses. The money thus given by the husband is called the maintenance amount. This amount will vary depending on the economic circumstances and lifestyle of the couple. In case the woman is capable of taking care of herself or if the divorced woman gets remarried, then the ex-husband need not pay the maintenance any longer. Thereby, a married woman can get a protection order from the court saying that her husband cannot evict her from the house. And a separated/divorced woman can get maintenance so that she can set up her own house and support herself. However, you must remember that none of this is the same as having a share in the husband’s property. Pavana and Lokesh are a married couple and have a daughter, Vibha. Upon Lokesh’s death, Pavana married Nitin. Pavana decides to find out whether she and her daughter would have any rights to Lokesh’s and Nitin’s assets and thus comes to Sheela. Sheela: Both you and Vibha have rights in Lokesh’s property to the extent specified under the laws. Now, the responsibility of maintaining both of you lies with Nitin. If Nitin does not will away his assets, then you, being his lawfully wedded wife will have a right to it as one of his successors. While Vibha has a share in Lokesh’s assets, she will not have any rights to Nitin’s assets. She might get something from him if and only if he chooses to give her. • If the second marriage is a lawful one upon the death of the first husband, then the wife is entitled to her share in the assets of her deceased husband as well as her second husband. • Children have rights only to the assets of their biological parents. • These rules are true of both Hindu and Christian laws. Mala is Ramesh’s second wife and they have two children. Ramesh and his first wife also have children. Recently, Mala and Ramesh decided to get separated. Mala approaches Sheela to find out what share of Ramesh’s property she and her children would get. Sheela: Firstly, you do not have any rights to any of Ramesh’s property. Your children also do not have coparcenary rights to Ramesh’s ancestral property and joint family property. However, if Ramesh has any self-acquired property and does not will it, then your children will be successors to that property. 16 Now let us look at the question of maintenance. You do not have the right to seek maintenance either from Ramesh since your marriage is not recognized by the law. However, Ramesh is responsible for looking after your children and therefore has to provide maintenance for them. Children have the right to get maintenance from their father even if they are born outside a legal marriage. • Since bigamy is not legal as per Hindu law, in the situation described above, a second wife does not have any rights to her husband’s property. • However, if the second marriage had taken place upon the death of or divorce from the first wife, then the second wife will have a share in her husband’s property; and her children will also have exactly the same rights as the children of the first wife to all the property of the husband. • While the above-mentioned is true in the Hindu laws, in a similar situation among Christians, neither the second wife nor her children have any rights to the husband’s property. However, the children do have the rights to get maintenance from the father. Mumtaz is Shakeer’s fifth wife and they have a son. Mumtaz comes to Sheela to ask her what rights she and her son have to Shakeer’s assets. Sheela: A fifth marriage is not considered legal under the Muslim personal laws. Therefore, neither you nor your child will have any rights to Shakeer’s property. Your son will get a share only in your property. However, until your son attains the age of 18, Shakeer has to pay for his maintenance as mandated under Section 125 of the Criminal Procedure Code (CrPC). This law is common for every citizen of the country irrespective of their religion. Points to note here: • Mehr refers to the money or gift items that the husband is supposed to give or set aside for the wife upon marriage. • This amount strictly belongs to the wife and in the event of divorce, it will have to be made over to her. • Besides the Mehr, the husband also has to pay her maintenance until she gets remarried. • If the husband fails to give either the mehr amount or maintenance, the wife can get a maintenance order from the court under Section 125 of the CrPC. Sabina and Amjad are a married couple and have two children. Amjad decides to get divorced (talaq) from Sabina, and she comes to Sheela to find out what her rights regarding her share in his assets and maintenance would be. Sheela: You do not have any rights to Amjad’s property. However, your Mehr entirely belongs to you. Besides this, as under Section 125 of the CrPC, you can claim maintenance from Amjad. Your children are also entitled to maintenance from Amjad as well as have a share in his assets. Even if you get married again, your children will have a right to inherit from Amjad. KHAS ªÉÄÃj «°AiÀĪÀiïgÀ JgÀqÀ£Éà ºÉAqÀw. CªÀjUÉ E§âgÀÄ ªÀÄPÀ̼ÀÄ. «°AiÀĪÀiïgÀ ªÉÆzÀ®£Éà ¥ÀwßAiÀÄÆ EzÁÝgÉ, CªÀjUÀÆ ªÀÄPÀ̽zÁÝgÉ. FUÀ ªÉÄÃj «°AiÀĪÀiïjAzÀ zÀÆgÀªÁVzÁÝgÉ. «°AiÀĪÀiïgÀ D¹ÛAiÀÄ°è ªÉÄÃj ºÁUÀÆ CªÀgÀ ªÀÄPÀ̼À ºÀPÀÄÌ K£ÀÄ CAvÀ w¼ÉÆ̼ÉÆîÃPÉÌ CªÀgÀÄ ¢Ã¥ÁgÀ §½ §gÀÄvÁÛgÉ ¢Ã¥Á: «°AiÀĪÀiïgÀªÀgÀ D¹ÛAiÀÄ°è ¤ªÀÄUÉ AiÀiÁªÀÅzÉà ºÀQÌ®è. ¤ªÀÄä ªÀÄPÀ̽UÉ PÀÆqÁ CªÀgÀ vÀAzÉAiÀÄ D¹ÛAiÀÄ°è AiÀiÁªÀ ºÀPÀÆÌ E®è. PÀ£ÁðlPÀ PËlÄ0©PÀ D¹Û ¸À«ÄÃPÉë (SÁ¸ï – KHAS 2010-11) ¥ÀÄgÀĵÀjUÉ Household ºÉÆð¹zÀgÉ ªÀÄ»¼ÉAiÀÄgÀ D¹Û Asset ªÀiÁ°ÃPÀvÀé §ºÀ¼À PÀrªÉÄ EzÉ Karnataka Survey Qæ²ÑAiÀÄ£ïgÀ°è D¹Û ºÀPÀÄÌ ªÀÄvÀÄÛ ªÁgÀ¸Á PÁ£ÀÆ£ÀÄ J0zÀÄ E0rAiÀÄ£ï E¤ì÷ÖlÆåmï C¥sóï ªÀiÁå£ÉÃeÉä0mï gÀªÀgÀ KHAS 2010-11 ¸À«ÄÃPÉë¬Ä0zÀ PÀ0qÀħ0¢zÉ. ¥ÀæªÀÄÄR D¹ÛUÀ¼À£ÀÄß UÀªÀĤ¹zÀgÉ, Qæ²ÑAiÀÄ£ï ªÀåQÛAiÀÄ D¹ÛAiÀÄ ªÉÄÃ¯É AiÀiÁjUÉ ºÉÃUÉ ªÀÄvÀÄÛ JµÀÄÖ rights. In India, rules The Karnataka Asset Survey 2010-11 undertaken by the they are aware of and can effectively seek theirM§â • E°è UÀªÀĤ¸À¨ÉÃPÁzÀ CA±ÀªÉAzÀgÉ, Household MAzÀÄ ªÉÃ¼É PÀ£ÁðlPÀzÀ UÁæ«ÄÃt ¥ÀæzÉñÀUÀ¼À°è ¥ÀÄgÀĵÀgÀ°è 47% ªÀÄ£É ªÀÄvÀÄÛ 39% ºÀQÌgÀÄvÀÛzÉ? CªÀ£À/ CªÀ¼À £ÀAvÀgÀ CªÀgÀ D¹ÛUÉ ¥Á®ÄzÁgÀgÀÄ AiÀiÁgÀÄ? of inheritance and succession are based on the religion to which each Indian Institute of Management Bangalore with funding from the «°AiÀĪÀiïgÀªÀgÀÄ CªÀgÀ ªÉÆzÀ®£Éà ¥Àwß wÃjºÉÆÃzÀªÉÄÃ¯É D¹ÛAiÀÄ°è ªÀÄ»¼ÉAiÀÄ ºÀPÉ̵ÀÄÖ? ªÀåªÀ¸ÁAiÀÄ ¨sÀÆ«Ä ºÉÆ0¢zÁÝgÉ. DzÀgÉ ªÀÄ»¼ÉAiÀÄgÀ°è 17% ªÀÄ£É ªÀÄvÀÄÛ individual belongs. This booklet describes these rules pertaining to MDG3«ZÉÒÃzÀ£À fund ತೆಗೆದುಕೊ೦ಡ under the Dutch Affairs has found CxÀªÁ ಅವರಿ೦ದ ªÉÄÃ¯É Ministry of Foreign 9% ªÀiÁvÀæ ªÀåªÀ¸ÁAiÀÄ ¨sÀÆ«ÄAiÀÄ£ÀÄß ºÉÆ0¢zÁÝgÉ. £ÀUÀgÀ ¥ÀæzÉñÀUÀ¼À°è EªÉ®è and «ªÀgÀUÀ¼ÀÄ ªÀÄvÀÄÛ PÁ£ÀÆ£À£ÀÄß CxÀðªÀiÁrPÉƼÀÄîªÀÅzÀPÁÌV F ªÉÄÃjAiÀĪÀgÀ£ÀÄß ªÀÄzÀĪÉAiÀiÁgender VzÀÝgÉ, ªÉÄÃjAi ÀĪÀjUÉ «°AiinÀĪÀiasset ïgÀ ownership in the state. Examining Hinduism, Islam and Christianity by providing cases illustrations. substantial disparities ¥ÀÄgÀĵÀgÀ°è 28% ªÀÄ£É ªÀÄvÀÄÛ 10% ªÀåªÀ¸ÁAiÀÄ ¨sÀÆ«ÄAiÀÄ£ÀÄß, ªÀÄ»¼ÉAiÀÄgÀ°è ¥ÀÄlÖ ¥ÀĸÀÛPÀ. D¹ÛAiÀÄ°è ¥Á®Ä ¹UÀÄvÀÛzÉ; CªÀgÀthe ªÀÄPÀ̽UÀÆ ¥Á®Ä ¹UÀÄvÀÛzÉ the key assets, survey finds that in the rural areas13% of the ªÀÄ£Éstate, ºÁUÀÆwhile 2% ªÀåªÀ¸ÁAiÀÄ ¨sÀÆ«ÄAiÀÄ£ÀÄß ºÉÆ0¢zÁÝgÉ. It is also important to understand what rights one has within the CjvÀÄPÉƼÀî §AiÀĸÀĪÀ ¹°éAiÀiÁ, E°è, vÀªÀÄä ¥Á®Ä/ ºÀPÀÄÌUÀ¼À£ÀÄß 47% men own housesEgÀĪÀ and 39% of men own agricultural land, the • CAxÁ ¸ÀAzÀ¨s ÀðzÀ°èofªÉÆzÀ®£Éà ºÉAqÀw¬ÄAzÀ institution of marriage. The survey finds that the majority of men and ¨É£Àì£ï, ¨É¤mÁ, «¯Áä ¹PÉéÃgÁ, ªÉÄÃj ¥ÀAiÀĸï, ¦Ãlgï comparable respectively. ªÀÄPÀ̽UÀÆ «°Ai ÀĪÀiïgÀ D¹ÛAinumbers ÀÄ°è ¥Á°zÉ for women are only 17% and 9% ªÀåQÛUÀ¼ÀÄ ªÀÄ£É ºÁUÀÆ In d«ÄãÀÄUÀ¼À£ÀÄß ¥ÀqÉAiÀÄĪÀ ªÀÄÄRå ªÀÄÆ® women across areas, religious, social and economic groups think - EªÀgÀÄUÀ¼ÀÄ ªÀQîgÀthat §½ ºÉÆÃV vÀªÀÄä ¥Àæ±ÉßUÀ½UÉ GvÀÛgÀ the urban areas of the state, while 28% of men own¦vÁæ houses, only 13% fðvÀ¢0zÀ ªÁgÀ¸ÀÄzÁgÀgÁV J0zÀÄ F ¸À«ÄÃPÉëAiÀÄ°è PÁtÄvÉÛêÉ. ¥ÀqÉAiÀÄÄvÁÛgÉ. when they get married, the assets that they own and those that their of women has a higher E£ÉÆßA¢µÀÄÖ «µÀAi ÀÄUÀ¼ÀÄ: do so. Across the areas, the only asset which DzÀgÉ EzÀgÀ®Æè ¥ÀÄgÀĵÀgÀ ªÀÄvÀÄÛ ªÀÄ»¼ÉAiÀÄgÀ £ÀqÀÄªÉ §ºÀ¼ÀµÀÄÖ spouses own now become jointly owned by them. While this could ownership rate by women as compared to men is jewellery. N¢. • E°è ¨sÀÆ«Ä, ªÀÄ£É ªÀÄÄAvÁzÀ ¹ÜgÀ D¹ÛAiÀÄ£ÀÄß ºÉÃUÉ ªÀåvÁå¸ÀUÀ½ªÉ. GzÁºÀgÀuÉUÉ UÁæ«ÄÃt¥ÀæzÉñÀUÀ¼À°è ªÀÄ£É ºÉÆ0¢gÀĪÀ certainly be true as per their perceptions, from the legal point of view, in ¥Á®Ä ªÀiÁqÀ¯ÁUÀÄvÀÛzÉÆà ºÁUÉAiÉÄà ZÀgÀ D¹Û, ¥ÀÄgÀĵÀgÀ°è 58% vÀªÀÄä vÀ0zÉvÁ¬ÄAiÀÄj0zÀ ¦vÁæfðvÀªÁV ¥ÀqÉ¢zÁÝgÉ CªÀgÀ ¥Àæ±Éß-GvÀÛgÀUÀ¼À ªÀÄÆ®PÀ, ¤ªÀÄä ºÀPÀÌ£ÀÄß Cj¬Äj. One ¨ÁåAPï£À°ègÀĪÀ of the reasons suchÀÄ£ÀÄß a large gender asset gap is that men and India, under the personal laws of no religion does marriage automatically ¸ÁªÀiÁ£ÀÄUÀ¼ÀÄ, ºÀt,for MqÀªÉAi DzÀgÉ ªÀÄ£É ºÉÆ0¢gÀĪÀ ªÀÄ»¼ÉAiÀÄgÀ°è EzÀÄ 13% ªÀiÁvÀæ. ªÀåªÀ¸ÁAiÀÄ PÁ£ÀÆ£ÀÄ w½zÀÄPÉƽî. confer property rights to individuals. If and only if the couple decides women have unequal opportunities for asset acquisition. TheM0zÀÄ main PÀÆqÁ ¥Á®Ä ªÀiÁqÀ¯ÁUÀÄvÀÛzÉ ¨sÀÆ«ÄAiÀÄ0vÀºÀ GvÁàzÀPÀ D¹ÛAiÀÄ°è F vÁgÀvÀªÀÄå E£ÀÆß C¢üPÀ to register property jointly in their names does it confer both of them mode of asset acquisition is inheritance, and this is also characterized 85% ¥ÀÄgÀĵÀjUÉ ºÉÆð¹zÀgÉ ¸Àj¸ÀĪÀiÁgÀÄ 14% ªÀÄ»¼ÉAiÀÄgÀÄ ªÀiÁvÀæ vÀªÀÄä • ºÁUÉà M§â£À D¹Û AiÀiÁªÀ jÃwAiÀÄ°è ¥Á¯ÁUÀÄvÀÛzÉÆà with ownership rights. As much as one would like to consider marriage by a bias against women. To illustrate, among the home owning men in vÀ0zÉvÁ¬ÄAiÀÄj0zÀ ¦vÁæfðvÀªÁV ¥ÀqÉ¢zÁÝgÉ. CzÉà ¥ÀæªÀiÁtzÀ°è ¸Á®ªÀÇ ¥Á¯ÁUÀÄvÀÛzÉ rural areas, 58% inherited their houses from their natal families while to be a sacred and lasting institution, it is still extremely important to • Qæ²ÑAiÀÄ£ïgÀ°è ªÀÄPÀ̼À£ÀÄß zÀvÀÄÛ vÉUÉzÀÄPÉƼÀÄîªÀÅzÀ£ÀÄß suchEµÀÄÖ as death, divorce, separation and desertion only 13% of home owning women in rural areas acquired their ÷houses ¨sÁgÀvÀ ¸ÁévÀ0vÀæ å ¥ÀqÉzÀÄ 64 acknowledge ªÀµÀðUÀ¼ÁzÀªÉÄîÆthat £ÀªÀÄäevents ¸ÀªÀiÁdzÀ°è PÁ£ÀÆ£ÀÄ UÀÄgÀÄw¸ÀĪÀÅ¢®è. ºÁUÁV AiÀiÁªÀÅzÉà can affect any marriage at any through natal inheritance. These disparities take alarming proportions ¥ÀæªÀiÁtzÀ °0UÀvÀé-vÁgÀvÀªÀÄåªÀ£ÀÄß PÁtĪÀÅzÀÄ M0zÀÄ UÉÆ0zÀ®zÀ «µÀAiÀÄ.time F because it is during these points in ªÀÄUÀĪÀ£ÀÄß £ÉÆÃrPÉƼÀî®Ä ªÀÄ£ÉAiÀÄ°è ¸ÀéAvÀ ªÀÄUÀĪÀAvÉ time that the questions around when we examine acquisition of agricultural land,¥Àj¹ÜwAi the most critical ÀÄ£ÀÄß ¥ÀjºÀj¸À®Ä C£ÉÃPÀ zÁjUÀ¼À£ÀÄß C£ÀĸÀj¸À§ºÀÄzÀÄ. CªÀÅUÀ¼À°è property rights arise prominently. This ElÖPÉÆAqÀgÀÆ D ªÀÄUÀÄ«UÉ ªÁgÀ¸Á ºÀQÌgÀĪÀÅ¢®è describes rights that individuals have when such events productive asset in rural areas – compared to 85% ofªÁgÀ¸ÀÄzÁjPÉAi land owning ÀÄ ¤Aimen ÀĪÀÄUÀ¼À£ÀÄß,booklet CªÀÅUÀ½UÉalso ¸À0§0zs À¥ÀlÖ0vÀºÀ the PÁ£ÀÆ£ÀÄUÀ¼À£ÀÄß occur in their lives providing who inherited the land, a mere 14% of land owning¥Àæwomen inherited wAiÉƧ⠪ÀåQÛAi ÀÄÆ w½zÀÄPÉÆ0qÀÄ C¼ÀªÀr¸ÀĪÀÅzÀÄ Cw by ªÀÄÄRå. ¨sÁgÀvÀzÀ°ècases and illustrations. their land from natal homes. F ¤AiÀĪÀÄUÀ¼ÀÄ ªÀåQÛUÀ¼À zsÀªÀÄðzÀ DzsÁjvÀªÁVªÉ. F ¥ÀÄlÖ ¥ÀĸÀÛPÀzÀ°è AllÀÄthe cases presented booklet are easy to identify with and the Qæ²ÑAiÀÄ£ï zsÀªÀÄðzÀ ªÁgÀ¸ÀÄzÁjPÉAi ¤AiÀĪÀÄUÀ¼À£ÀÄß ¸ÀÄ®¨sÀªÁzÀ in ¨sÁthis µÀAiÀÄ°è language used is simple and layperson friendly. This booklet has been It should be of concern that such inequities continue to exist more GzÁºÀgÀuÉUÀ¼ÉÆ0¢UÉ ¤ªÀÄUÁV ªÀtÂð¸À¯ÁVªÉ. than six decades after the country’s attaining independence. Several conceptualized and written by Sowmya Lakshmi Bhat, Advocate, and measures can be undertaken to bridge these inequities. In the context the illustrations in it have been drawn by M. B. Suresh Kumar. To find Consultant: Sowmya Bhat, Advocate, Bengaluru outLakshmi more about this project, please get in touch with the project team at of asset acquisition, it is critical that every individual isLegal well-conversant sowmyaabhat@gmail.com the contact details provided below. with the inheritance and succession legislations governing them so that December 2011 Centre for Public Policy (CPP) INDIAN INSTITUTE OF MANAGEMENT BANGALORE (IIMB) Centre for Public Policy (CPP) Bannerghatta Road, Bangalore 560076, Karnataka, India INDIAN INSTITUTE OF BANGALORE (IIMB) Ph:MANAGEMENT 91 80 26993323. Fax: 91 80 26994050 Email: genderassetgap@iimb.ernet.in Bannerghatta Road, Bangalore 560076, Karnataka, India. Ph: 91 80 26993323. Fax: 91 80 26994050 website: http://genderassetgap.iimb.ernet.in Email: genderassetgap@iimb.ernet.in ProjectProject website: http://genderassetgap.iimb.ernet.in website: www.iimb.ernet.in website: www.iimb.ernet.in KHA Karna House Asset