On the question of a post-nuptial agreement in India, the legal position is nuanced. Unlike some jurisdictions, Indian law (especially under the Hindu Marriage Act, 1955) does not formally recognize post-nuptial agreements as binding contracts that automatically determine alimony or rights. So, even if you sign such an agreement today, it is not strictly enforceable like a commercial contract.
However, that does not make it useless. Courts do take such documents into consideration as:
evidence of mutual understanding,
proof of prior settlement discussions, and
conduct of parties.
If properly drafted, voluntary, and without coercion, it can carry persuasive value, especially in mutual consent matters. But in a contested divorce, the court is not bound by it and can override it if it finds the terms unfair or circumstances have changed.
Judges generally do not treat such agreements as “suspicious” per se, but they do examine:
whether there was pressure or imbalance,
whether full financial disclosure was made, and
whether the terms are fair at the time of enforcement.
So yes, drafting a settlement memorandum/affidavit is a good idea, but it should be positioned as a record of understanding, not a final binding waiver of rights.
Now coming to your second concern regarding inheritance:
If you inherit money during the period before divorce, courts can consider your overall financial capacity while deciding alimony. Inheritance is not automatically divided, but it does increase your paying capacity, which may influence the quantum.
There is no fixed formula like “X% of ₹1 crore.” Alimony depends on:
length of marriage (12 years is significant),
standard of living,
wife’s financial condition (unemployed in your case), and
your income/assets.
In such a situation, courts may grant either lump sum or monthly maintenance, and the amount can vary widely depending on facts. It is discretionary, not formula-driven.
Regarding property in your parents’ name, you are correct—your wife has no legal claim over assets that are still in your parents’ name. Those are not considered your assets unless and until they devolve upon you (e.g., through inheritance).
In conclusion, a post-nuptial understanding is useful but not conclusive. It can help anchor future negotiations but cannot completely prevent claims. If your goal is certainty, the most legally secure route remains a properly structured mutual consent divorce settlement recorded before the court.