To your querry, I am giving a very lengthy reply for two reasons - the first reason is that you have several doubts about the exact descripttion of stridhan and also the procedure to recover them from the illegal custody of the husband and/or in-laws. The second reasons is that the predicament you are facing is being faced several other women also and to solve their querries also, I am giving this reply.
The articles you mentioned in your querry are called "stri dhan" and these are the properties of the wife and she is entitled to have custody of them at any point of time during her matrimonial life (at the time of marriage, after the marriage, during separation from husband or after divorce) and she is at liberty to dispose them off or enjoy them as she likes as she is the absolute owner of such property. Some times stridhan includes immovable property also as the relatives from natal home give the girl a landed property, residential houses or agriculture fileds etc.
There are three methods to recover stridhan from the illegal custody of the members of matrimonial home. First I describe the cheapest and expeditious method. That is, to file a domestic violence case before the metropolitan magistrate. In this application, you can file an application for interim relief also. You can engage an advocate for this purpose. If you cannot engage an advocate, after filing the application (or even before filing the application) you can ask the court to provide you an advocate and the court will do it free of cost. As per the existing rules of legal aid, the women, children, labourers and other econimically disadvantaged sections will have a right to get free legal aid and advocate to pursue their cases. You purchase a domestic violoence Act (bare Act with rules) book, which costs less than Rs.100/-. In this book, a schedule is there formating the application to be filed in domestic violence case. Even it appears difficult to you, you can approach any women's welfare organisation and they will provide you their lawyer. In addition to this, under this Act, certain social welfare organisations/women's organisations are given the status of "service provider". Their one of the most important duties is to come to the aid of women like you - prepare application, provide you advocate, take you to the court and help you in all respects. They shall do it free of cost as they are getting grants from the Govt. The proceedings here are quasi criminal (too technical word for you), which means the proceedings will be conducted like in criminal courts but the relief will be provided like in civil courts. I suggest you to follow this method. In this method, the court has got the power to find out the stri-dhan lying in the matrimonial house, bank lockers etc. and recover it and return it to you. You get quicker relief comparing to the other procedures.
The other method is to file Section 406 IPC case as a private complaint before the magistrate. Here, there is a heavy burden lies upon you to prove that actually stridhan was given to you and it is lying with your husband/in-laws etc. This proof also must be "beyond reasonable doubt". Here, in this private complaint, you have to lead evidence twice and is a cumbersome process. The alternative method is to file a complaint under Section 406 IPC listing the stridhan articles and lodge the complaint before the concerned police station. The police will register FIR ( different to earlier FIR u/s 498-A and Section 323 IPC). Here your case will be prosecuted by APP (government advocate) on your behalf. The experience shows that the prosecution and accused connive with each other in the cases under Section 498-A and Section 406 IPC and get the case of wife defeated. That is also one of the reasons why most of the Section 498-A cases, Section 304-B (dowry-death), 376 (rape) cases are going in favour of accused by their acquittal.
There is one more method to recover stri-dhan, i.e., by filing a civil suit. It is very costly affair. So, I will not go into the details of this particular method.
Finally, I suggest you to go for Domestic Violence application for recovery of stri-dhan and a woman with your financial status can afford to fight this case.
wishing you best of luck.