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1891 Sep 16. . born Northwich, Cheshire. His father was a commercial traveller.

1901 Census at Chester Rd, Northwich

1911 census in Denbeighshire

I am not sure why he was in Indian Army. I suspect it is because he was the chap of this name went to Burma on business in Sep 1914, and presumably signed up there. He does not appear to have been seconded from a British regiment.
I cannot find MC gazetted but he certainly had it.
1915 Feb 26 Commissioned 2nd Lt in IARO
1916 May 11. 28 Punjabis. Second Lieutenant J. W. Gray Indian Army Reserve of Officers, attached, to be Captain
1918 Feb 1. 85th Burman Rifles . Lieut. J. W.Gray, M.C., I.A.R.O., attd., to be actg. Capt. (additional), from 29th Oct.1917 to-31st Jan. 1918 inclusive, and to retain his actg. rank while comdg. a Coy
1918 Feb 24, Staff Lt 2nd Class HQ unit. Maj. E. C. 0. Ross, Merwara Inf., Ind. Army, vice Lt. J. W. Gray, M.C., Ind. Army Res. of Off.
1919 Feb 26. Indian Army Reserve of Officers. Lts to be Capts. J. W. Gray, M.C.
1919 Dec 7. Special Appointment attached to HQ Units. Comdts. (Cl. BB).—Capt. J. W. Gray, M.C., Ind. Army Res. of Off. , and to be temp. Maj. whilst so empld.
1920 May 16 Married to Emily Darlington

1920 Jan 27 Joined RIC as a Black & Tan Constable He resigned 3 days later "Life unsuitable". It is same man with same DoB
1920 Nov 6. Joined ADRIC with service no 981. Posted to H Coy
1921 Mar 11. Resignation accepted.
1921 census at 64, North Lonsdale Street, Stretford, Lancashire. James Wilkinson Gray Head Male 1891 29 Northwich, Cheshire, England - Engineer Labourer Emily Gray Wife Female 1891 30 Knutsford, Cheshire, England
1921 Jun 15. Commts. (CL BB).—And relinquish the temp, rank of Maj . : — Capt. J. W. Gray, M.C., Ind. Army Res. of Off.
1921 Oct 24. The KING has approved the resignation of
the following officers, with effect from the dates
specified and the grant of the retention of rank
as shown below: —
INDIAN ARMY RESERVE OF OFFICERS.
Captain, and is granted the rank of Major.
J. W. Gray, M,C.
1939 Register. He is at Northwich, Cheshire, England Occupation Bus Conductor. With wife Emily and mother Jane
1971 Jul 30 Died Crewe Cheshire
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