How to lower settlement amount

My wife stayed in my house only four days. After that she went to her maternal home permanently. She demanded me 20 lacs rupees by selling my parents house. She took money from me by blackmailing me. She once asked me to kiss on her belly and she took my pics by her phone camera and her face was not captured in photo. In April 2018 she file fake case of 498a. We just received a call from IO and said your wife has filed FIR of 498a. No counseling before case registered directly. And allegations of keeping her ornaments in our home which is false all her ornaments with her , we have photos proof that she wear jewellery in her maternal home. We have her chatting record with her boyfriend. We have photo and video of her she was giving suicide threat . And call recording and voice message she abused me and threatened to send me behind the bars. She demande me to buy a new house in uncrowded area And asked me to do my own life insurance so that she can get money In of her chat her boyfriend asked her that "Mila kya room". Her father asked me to include her name to nominee of my bank account and my provident fund account. In January 2020 she filed 125 and dv.