I have read in different forums that one can give a loan to his wife (who is not earning) and make investments in her name to avoid clubbing of income. I also understand so long as wife pays regular intrest and the same is declared as income in her husband's return there is no issue. Is the understanding correct. If so 1) What is the minimum amount intrest that should be charged for this ? 2) What are the documentation needed to legalize this process?