• Blog
  • Calculators
  • Quiz
  • Sample Financial Plan
MoneyChai
  • Blog
  • Forum
  • Android App
  • Blog
  • Calculators
  • Quiz
  • Sample Financial Plan

House Rent Allowance Rules and Regulations – HRA 2020-21

By:MoneyChai Tax Last Updated: 27 Feb, 2021

If you go through the break-up of your CTC statement, you will find a term HRA, which stands for House Rent Allowance. It is paid to compensate the employee for the rent he is paying in the absence of a company quarter.So is “House Rent Allowance (HRA)” a taxable income for you? The answer is ‘yes’ and ‘no’ because a portion of House Rent Allowance (HRA) is tax-free for you. Then how to calculate the tax-free portion of House Rent Allowance (HRA) in your salary?

house rent allowance rules and regulations hra 2020-21

House Rent Allowance (HRA) meaning

House Rent Allowance means, if you are a salaried person and staying in a rented accommodation, then you can claim tax exemption for the rent paid. The rent can be partially or fully tax exempt.

Who can claim HRA exemption?

Self-employed and salaried people can claim HRA exemption, though under a different section of Income-tax as explained in the article.

HRA Exemption Section

House Rent Allowance (HRA) is exempted under section 10(13A) of the Income Tax Act.

Also Read – How to download LIC premium Receipts Online

House Rent Allowance rules and regulations

Under House Rent Allowance rules and regulations, you will get exemption up to a minimum of the following 3 amounts:

  1. Actual House Rent Allowance (HRA) received by the employee in the year.
  2. Rent paid by the employee for his accommodation in excess of 10% of his salary.
  3. 50% of the salary, if he stays in any of the 4 metro cities of Delhi, Mumbai, Kolkata or Chennai; otherwise, 40% of the salary.

The salary for this calculation means the basic salary which includes dearness allowance if the terms of employment provide for it and commission based on a fixed percentage of turnover achieved by the employee.

Please note that if the employee is staying in his own house or not paying any rent, he will not be eligible for the above tax exemption.

HRA Calculation in Excel 2020-21

You can click on the below link and download HRA calculation in Excel for 2020-21

HRA Calculation in Excel 2019-20

House Rent Allowance (HRA) – Factors Deciding Exemption

From the above rules, it is clear that there are 4 factors which decide your eligibility for House Rent Allowance (HRA) exemption. They are:

  1. Actual HRA received by you
  2. Actual Rent paid by you
  3. Your city of residence
  4. Your salary (Basic Pay & DA)

HRA Calculation in Excel – Exemption Calculator for AY 2021-22

Let us see an example of how you can do HRA calculation in Excel. The Excel can be used as HRA exemption calculator for AY 2021-22.

Suresh is getting a Basic Pay of Rs. 50,000 per month and House Rent Allowance (HRA) of Rs. 20,000 per month. He is staying in rented premises in Chennai and is paying a monthly rent of Rs. 22,000.

How is HRA calculated?

HRA is calculated as per the 3 formulas given below:

  1. Actual HRA received in a year = 12 x 20,000 = 2,40,000
  2. Rent – 10% of the salary in a year = 12 x (22,000 – 10% of 50,000) = 2,04,000
  3. 50% of the salary in a year = 50% of 12 x 50,000 = 3 Lakhs

Suresh is eligible for a deduction of Rs. 2,04,000 from his actual HRA of Rs. 2,40,000. So, he needs to pay tax for the balance of Rs. 36,000 only.

House Rent Allowance (HRA) Tax Benefits – Lose without Landlord’s Pan

The Circular (08/2013) states that “…an employee claiming exemption from tax with respect to House Rent Allowance received is now required to report the PAN of the landlord to the employer, if the rent paid by the employee to the landlord exceeds Rs. 1 Lakh per annum, along with the rent receipt.”

In simple words, if the annual rent is above Rs. 1 Lakh, then the employee must report the PAN details of the landlord to the employer. If the landlord is not having a PAN,then the landlord must submit a declaration to this effect along with his name and address.

The step is to plug 2 loopholes in the system:

  1. To stop the abuse of House Rent Allowance (HRA) claims
  2.  Furnish the correct rent income information by the landlord

These are the basics of House Rent Allowance exemption; In addition to the basics, now let us answer a few common questions asked by the readers…

Can you claim HRA if you own a house?

The answer to this question is both – Yes and No.

  • You cannot claim house rent allowance (HRA) if you are staying in your own house.
  • You can claim HRA if you are staying on rent, not in your own house.

Can you claim both HRA and Home Loan for Tax Exemption?

If you are paying the loan for your own house and staying in a rented accommodation, you can claim the tax benefits for both, HRA as well as the Loan property.

Can HRA be claimed by both the husband and wife?

Yes, HRA can be claimed by both the husband and wife if:

  • Both husband and wife, are paying rent to the landlord.
  • Husband and wife are giving separate receipts for the rent paid to the landlord

The husband and wife can claim HRA exemption proportionately but both can not claim the entire rent paid to landlord.

Is HRA compulsory?

No, HRA is not compulsory because it depends upon your employer to make house rent allowance as a part of your salary.

Can husband pay rent to wife and claim HRA?

Yes, the husband can pay rent to wife and claim HRA in case the wife owns the house. The same would be clubbed into the wife’s income under the head (Income from House Property) and taxed accordingly.

But if the wife is not having any income and the house has been bought by you for her, the income will be clubbed in your income and taxed accordingly.

Can I pay rent to my mother/brother/parents and claim HRA?

Yes, you can claim HRA if you are paying rent to your mother, brother or parents but they need to show the income as Income under House Property.

Is rent agreement mandatory for HRA exemption?

No. Rent agreement is not mandatory for HRA exemption but it is better to have one as your CA can demand it for lower TDS.

Is rent receipt mandatory for HRA exemption?

If you are paying rent up to Rs. 3,000, rent receipt is not mandatory for house rent allowance exemption, but for rent above Rs. 3,000, rent receipt is mandatory for HRA exemption. Also, rent above Rs. 1 lakh per annum will require a PAN card of the landlord.

What is 80GG claim deduction for HRA?

Section 80GG applies for HRA claim deduction under the following conditions:

  • If your employer does not include HRA in your salary, and
  • Self employed people

You can still claim deduction under 80GG.

Read this article

HRA rent receipt format in India

There is no particular HRA rent receipt format in India, You can add following details in the rent receipt:

  • Landlord’s Name
  • Address
  • Duration
  • Rent amount
  • PAN card number, if annual rent is more than Rs. 1 Lakh

Probably I have included all points in this article, but if I have missed any point please let me know. I would be happy to include them in the article.

Also please feel free to ask any question on house rent allowance exemptions.

9 Shares
Share9
Tweet
Share
WhatsApp

Filed Under: Tax

MoneyChai

Hi, I am Ajay Pruthi, an alumnus of NIT Jalandhar and K.J. Somaiya Institute of Management Studies. I have over 10 years of experience in the field of insurance and have worked with top two private insurance players in the country. I am a Certified Financial Planner and currently working as a Paraplanner with Mr. Melvin Joseph, founder of Finvin Financial Planners. If you liked my blog and want to discuss further on comprehensive fee only financial planning, feel free to get in touch by visiting Finvin Financial Planners.

You May Also Like

  • Tax on PF Interest – New PF Rules 2021 with Example

    Tax on PF Interest – New PF Rules 2021 with Example

  • Deductions under Section 80C for FY 2020-21 – Tax Benefits

    Deductions under Section 80C for FY 2020-21 – Tax Benefits

  • Deduction under Section 80D – Tax Benefits for 2020-21

    Deduction under Section 80D – Tax Benefits for 2020-21

  • Should You Purchase Capital Gain Bonds from NHAI & REC to Save Tax?

    Should You Purchase Capital Gain Bonds from NHAI & REC to Save Tax?

Reader Interactions

Comments

  1. Adamshafi says

    March 9, 2018 at 10:00 am

    I am govt employee I have my won house and I live in. But that is project area I am not taking free rent quarter. Can I claim hra

    Reply
    • MoneyChai says

      March 10, 2018 at 12:48 pm

      Hi Adamshafi

      No, You can claim hra for exemption

      Reply
    • GHANASHYAMA PRADHAN says

      July 30, 2019 at 12:29 pm

      I am working in Central Govt and gettting HRA in my salary. I live in the house which is my wife’s name in the same city. Can I entitled to get HRA in my salary.

      Reply
      • MoneyChai says

        July 30, 2019 at 11:21 pm

        Is your wife working?

        Reply
      • Ram sasi Banerjee says

        August 26, 2019 at 9:56 am

        I have been serving in northeast but hra is not provide by the department why

        Reply
        • MoneyChai says

          August 27, 2019 at 8:24 pm

          Hi Ram sasi

          You need to ask this from your HR department.

          Reply
  2. V.D.Dhamdhere says

    April 2, 2018 at 11:14 am

    Hello .. I am working in MDL. We are going to sign Chartered of Demand (COD) with MDL in coming days. The said COD will be effective from JAN-2017. Employees will get benefit from JAN 2017 till the date of signing Memorandum of Settlement (MOS) including Wage revision and various allowances.

    *My query is regarding the amount of ‘Arrears of HRA’ which is going to increase w.e.f. JAN-17 – Are we liable to get Arrears of HRA w.e.f.JAN-17 till the date signing the MOS’

    Please give your comments/remarks on my above query.

    Reply
    • MoneyChai says

      April 2, 2018 at 4:46 pm

      Hi Vikram

      Thanks for your comments but I am really not sure about this.

      Reply
  3. Murugan,j says

    April 24, 2018 at 7:07 pm

    Hi sir, pls clarify my doubt , one of my central government official is not claimed her HRA from 2014 now she is claiming, can we pay her HRA from that date or not , if not from which date I can pay to her, is any rules is there to pay HRA from back date, if yes , wat is the duration pls let me know, thank u

    Reply
    • MoneyChai says

      May 9, 2018 at 7:07 pm

      Hi Murugan

      HRA is a part of CTC every year. Backdate, i doubt it is possible.

      Reply
    • Monika says

      January 13, 2020 at 3:51 pm

      Im a central govt employee and was on maternity leave for six month w. e. f July 2018 to Dec. 18. After that I applied child care leave. Is there any ruling that HRA can be stopped after six month if u availed leave for more than 6 month

      Reply
  4. Pradeep Kumar Agrawal says

    May 14, 2018 at 7:35 am

    I am working in state Govt Educdtion Deptt and gettting HRA in my salary. I live in the house which is my wife’s name in the same city. Can I entitled to get HRA in my salary.

    Reply
    • MoneyChai says

      May 14, 2018 at 4:23 pm

      Hi Pradeep

      Yes, you are entitled to get HRA in your salary. Whether you take tax deduction on it or not, depends on you.

      Reply
  5. j paul says

    May 17, 2018 at 9:40 pm

    I am private organization employ 30 years staying in there staff quarters is it any law to claim this house

    Reply
    • MoneyChai says

      May 18, 2018 at 3:31 pm

      Please consult your lawyer.

      Reply
      • j paul says

        May 18, 2018 at 8:53 pm

        thanks for the information

        Reply
  6. Samir says

    June 1, 2018 at 5:54 pm

    Hello
    Myself and my wife had taken house in joint name .My wife earlier was working and contributed her money in taking house presetly she is house wife can i show rent given to her for my tax exemption

    Reply
  7. Vineel Chandra says

    June 23, 2018 at 9:22 pm

    Hello,

    I need your advise on this peculiar case –
    I pay Rs.14,000 as monthly rent in total – out of which Rs.12,000 goes to the house owner as rent, and Rs.2,000 goes to the Broker (who is also relative to the owner – a PoA) – he calls them as Furniture charges. He also says the rent receipt will be given for Rs.14,000 in total (while in reality only Rs.12,000 is going to the house owner)

    What should I need to declare as the rent – for income tax exemption?

    Please guide.

    Reply
    • MoneyChai says

      July 5, 2018 at 9:06 pm

      Hi Vineel

      Get the pan card of the house owner. Are you transferring the entire amount to house owner or paying it separately?
      You would not be able to claim Rs. 14000 if you did not get the pan card. Without pan card the limit is Rs. 1 Lakh per annum.

      Reply
  8. PARVEEN says

    June 26, 2018 at 1:18 pm

    Sir I am employed in defence , and my wife in paramilitary force and posted at different stations, both not availing govt quater. Can we both claim HRA?

    Reply
    • MoneyChai says

      July 5, 2018 at 9:01 pm

      Hi Parveen

      Yes , you both can claim HRA if you are at different locations.

      Reply
  9. M Ramakrishna says

    July 9, 2018 at 1:17 pm

    Hi!
    I inadvertently missed submitting my HR receipt to my employer for appropriate deduction in income. How do I make amends and set the same right during IT return submission

    Reply
  10. 2013rme9046 says

    July 9, 2018 at 10:00 pm

    I am working in private organization in Mumbai. I am having my salary in the scale of 15600-39100 (AGP-8000). According to scale my HRA is Rs. 11000. In month of Feb 2018, I was rented a accommodation outside the employer premises. And my employer is paid me me HRA of Rs. 11000 for month of Feb 2018.
    Now from March 2018, I am shifted to accommodation provided by employer. The employer dicided the rent (Rs.8000) for accommodation facility provided. The employer is not giving me HRA from march 2018 and additionally employer is asking me to pay rent for accommodation provided. So effectively rent for accommodation I am paying is Rs. 19000 [Rs. 11000 (HRA) + Rs. 8000 (Rent)]. Is it according to rules that the employee is not entitled for HRA have to pay additional amount for rent for accommodation provided?

    Reply
  11. sanjeev sharma says

    August 19, 2018 at 8:27 pm

    Hi, I pay Rs.25000 to my mother as Rental for the Flat, which she owns. She gives me the rent receipts.
    do I need to keep a record of how I pay the rent to her , like RTGS detials or Cheques etc

    also in the FY 2018-19 can I still claim HRA if paying rent to my mother

    kindly advice. Best Regards

    Reply
    • MoneyChai says

      September 4, 2018 at 1:53 pm

      Hi Sanjeev

      Its better if you keep the records.

      Yes, you can claim if the house is in your mother`s name and she will have to show it in her ITR.

      Reply
  12. PRIYANGKA REANG says

    December 12, 2018 at 5:22 pm

    Hello,
    I PRIYANGKA, staying in quarters with my husband and He also doing govt.Job in another department more than 15 km far, Can he claims HRA because I am deducting HRA ,,

    Reply
    • MoneyChai says

      December 15, 2018 at 10:46 pm

      Hi Priyanga

      Are you staying in govt quarters or on rent?

      Reply
  13. Vivekanandan says

    December 16, 2018 at 8:16 pm

    am govt employee and working in different locations.my wife living in different place in rent .she not a govt employee.am paying rent for her.shall I show the rent bill where my wife living for tax exemption.

    Reply
    • MoneyChai says

      December 16, 2018 at 8:27 pm

      Hi Vivekanandan

      Is she working and claiming HRA?

      Reply
  14. Elangovan says

    December 28, 2018 at 5:53 pm

    My wife is a govt employee, stays in quarters she gets HRA which is deducted from salary as rental for quarters. Can she claim HRA exemption.

    Reply
  15. Sharath says

    January 8, 2019 at 11:06 am

    Hi, I am salaried employee, my employer pays me HRA, I stay in the quarters provided by company, but I live alone here and my wife and daughter stays in a rented house in another city in other state, so can I claim HRA tax exemption?
    Please advise. Thanks in advance.

    Reply
  16. Abbas says

    January 17, 2019 at 3:26 pm

    I have my own house and have rented the same. I am living in a rented house.

    Rent is taxable in my account. I am a salaried person.

    My question is whether I can claim HRA benefit???

    Reply
    • MoneyChai says

      January 17, 2019 at 4:57 pm

      Hi Abbas

      Yes, you can claim HRA benefit.

      Reply
  17. Farook shaikh says

    January 24, 2019 at 11:52 am

    IS HRA appliacble in Central Sites Like Oil & GAS company ,We have not mentioned HRA in our cost breakup of employees and our contact employers wants it to pay arrears of HRA. Please send any notification or circular or gazette on my mail ID

    Reply
  18. Balakumar says

    February 14, 2019 at 10:36 am

    Hi
    staying in rented government quarters can i have HRA exemption or not ?

    Reply
  19. Sunder Pacherwal says

    February 18, 2019 at 11:01 am

    Dear Sir,
    please advice, A person working in Gurugram(HR) and having his own house in Calcutta (WB) which is borrowed by SBI and also paying house rent for another house in same city.
    Can he claim both (HRA and interest on house property).
    Early reply will be appreciated.

    Reply
    • MoneyChai says

      February 18, 2019 at 7:58 pm

      Hi Sunder,

      Yes, You can claim both HRA and interest paid on House Property.

      Reply
  20. Ajay says

    February 20, 2019 at 9:26 pm

    Hi sir, I am working with a company. i am getting HRA 20000 pm . My actual rent is below Rs 1 lac Per anum. For claiming HRA consuption my eployer is asking for rent agreement copy. is it necessary if i m paying 8300 pm . please advise. regards

    Reply
    • MoneyChai says

      February 22, 2019 at 8:58 am

      Hi Ajay

      Yes, the employer can ask for rent agreement copy.

      Reply
  21. DS Kankal says

    February 26, 2019 at 6:42 pm

    I have received rs 77 thousands of arrears of salary of previous year in this year. This includes basic + da as arrears. Should I add this amount in 10 % of basic + da for calculation of hra exemption.?
    Please reply.

    Reply
  22. Suvra Ranjan Ray says

    April 8, 2019 at 3:08 pm

    hello sir, I am staying in a Government quarter. Wheather my quarter rent will be deducted from my income or it will be under 80GG. please informed me.

    Reply
  23. Suransh says

    April 17, 2019 at 11:36 am

    My wife is state govt.employ and she is residing in govt. Qtrs.of course she is not getting HRA but my self PSU employ and residing with my wife. Can I avail HRA from PSU.

    Reply
    • MoneyChai says

      April 17, 2019 at 6:02 pm

      Hi Suransh

      Are you talking about tax exemption?

      Reply
  24. Manpreet Singh says

    May 19, 2019 at 10:19 am

    Suppose an employee lives in x city and pays rent and his parents live in y city and pays rent. Can this employee claim hra on both house rents i.e- for his own rent and his parents rent as well ?

    Reply
    • MoneyChai says

      May 30, 2019 at 4:54 pm

      Are both the rent agreements on your name?

      Reply
  25. Ram says

    June 5, 2019 at 1:32 pm

    Hi,

    I am a defence employee. Me and my wife stay in a govt provided accommodation here at our place of work. She pays rent for a house (in different city) for her parents by transferring money every month. But the rental agreement for her parents house is in her father’s name. Can she claim this rent as part of HRA for income tax purposes? If so can you also help me out with relevant rules?

    Reply
    • MoneyChai says

      June 6, 2019 at 7:33 pm

      No, She can not claim.

      Reply
  26. MURA says

    June 7, 2019 at 5:18 pm

    I am working in Central Govt. organisation. i was applied for allotment the Govt accommodation in the month of April 2019. But from the concern authority (Qtr allotting officer), i have not received any allotment letter so far (jun 2019). Now i am staying outside with my family in monthly rent basis (Own expense). i requested to quarter allotment officer for issue “Non Availability Certificate” , but he is denying because at present Qtrs are vacant. Now i am not interested, to stay in Govt accommodation. The problem is after submitting the “Non Availability Certificate (NAC)” I will get HRA (Home rent allowance).
    Question 1. Govt employee compulsory stay in Govt accommodation if qtrs are vacant?
    2. How will draw my HRA without NAC?
    Pl upload policy if any

    Reply
  27. RUPAL PATEL says

    July 2, 2019 at 12:05 pm

    I AM STAYING WITH MY SISTER WITH HER GOVT. COLONY… I AM A GOVT. SALARIED PERSON… HOW CAN I GET MY HRA

    Reply
  28. Vikas says

    July 7, 2019 at 7:19 am

    Can I claim HRA tax benefit if I have my own house in same city which is rented for 30000rs per month but I am staying in a bigger rented Accomodation for 50000rs per month ?

    Reply
    • MoneyChai says

      July 8, 2019 at 8:37 pm

      Yes, You can.

      Reply
  29. Anurag says

    July 12, 2019 at 11:10 pm

    Hey. I need this information urgently. I am a research scholar receiving my fellowship through GATE in central govt. institute X. My spouse is also receiving the same in central govt. Institute Y. We are NOT CENTRAL GOVT. EMPLOYEES. If I live with my spouse in her institute married hostel, am I eligible to receive HRA? Please share any official document regarding this query.

    Reply
    • MoneyChai says

      July 12, 2019 at 11:14 pm

      Hi Anurag

      Do you come under taxable income? If yes, how much is the taxable income?

      Reply
  30. NARESH KUMAR says

    July 23, 2019 at 2:29 pm

    I have occupied government accommodation at Delhi. I have transferred to N.E. region. Please clarify that whether I can draw HRA in N.E. region at same time i.e. while still in occupation of government accommodation at delhi

    Reply
    • MoneyChai says

      July 23, 2019 at 5:53 pm

      Hi Naresh

      You can not.

      Reply
  31. Gaurav Das says

    July 23, 2019 at 5:33 pm

    I have lost the rental agreement of last year and now I want to claim HRA exemption.
    Can I generate a new Rental agreement on today’s date showing the rent paid for past year and show it as a proof of HRA exemption?

    Reply
    • MoneyChai says

      July 23, 2019 at 5:52 pm

      Hi Gaurav

      Your landlord must be having copy of agreement. Normally, rental agreement is not required untill the company asks you. I hope, you are having proof of paying the rent and not paying in cash.

      Reply
  32. LKK says

    July 26, 2019 at 5:52 pm

    Hi,
    I am paying rent 19000/Month is another city and getting 13500 rent/month for my own house.
    How much HRA exemption is allowed?
    How to show the same in ITR 1

    Reply
    • MoneyChai says

      July 27, 2019 at 1:26 pm

      Hi

      You ca claim HRA according your your limits as mentioned in the article. Rent received would be added to your income and taxed accordingly.

      Reply
  33. Malkit singh says

    August 8, 2019 at 3:14 pm

    I am centre govt employe ,I am living in my own house 1 km far from my working place where the govt QTR are available can I entitled for HRA

    Reply
  34. Jayant Naik says

    August 19, 2019 at 3:00 pm

    Hi sir
    I am a PSU employee, receiving HRA, leaving in rented accomodation but I have not submitted documents to my employer hence it is not reflected in Form-16. Can I still claim TAX benefit? Whether I need to submit Hard copy of ITR-1 alongwith necessary documents while filling IT returns?

    Reply
    • MoneyChai says

      August 19, 2019 at 9:21 pm

      Hi Jayant

      You can still claim HRA in your ITR.

      Reply
      • Jayant Naik says

        August 24, 2019 at 11:09 am

        thanks… please guide, whether online ITR-1 (mentioning rent paid) submission is enough or I have to submit hard copy of online ITR-1 with necessary documents.

        Reply
        • MoneyChai says

          August 27, 2019 at 8:26 pm

          Hi Jayant

          You can verify it through your netbanking or send a hard copy to their bangalore office.

          Reply
    • MoneyChai says

      August 27, 2019 at 8:28 pm

      Yes Jayant, you can still claim.

      Reply
  35. Nawal SIngh says

    September 3, 2019 at 1:11 pm

    Is HRA is authorized to unmarried Officers residing single in government accommodation at duty station, if dependents of the Officer residing in their own house at home town?

    Reply
  36. Nischith says

    September 9, 2019 at 11:15 am

    Hi Sir,
    Is it possible to claim HRA without a rental agreement?
    2 are staying in an apartment, but the landlord is not ready to add 2 names in the rental agreement, so how can the second person claim HRA?

    And the rent per individual is less then 1Lack per annum(8250 per head) so assume no PAN card is required.

    Can you help me out?

    Thanks in advance

    Reply
    • MoneyChai says

      September 9, 2019 at 7:56 pm

      Hi Nischit

      Untill your HR department asks for it, rent agreement is not required.

      Reply
      • Nischith says

        September 10, 2019 at 2:17 pm

        This is with respect to the office.
        If we have to claim TSD, how will it work?

        Reply
        • MoneyChai says

          September 10, 2019 at 5:42 pm

          Which TDS?

          Reply
  37. Shan says

    September 25, 2019 at 11:18 pm

    I am SBI employee my husband police department we are staying in quarters HRA is deducted in husband salary. Can I get HRA?

    Reply
  38. AMIT KUMAR BANSAL says

    January 26, 2020 at 7:01 pm

    Sir Unable to download the sheet

    Reply
  39. bhaska says

    January 30, 2020 at 3:12 pm

    I stay in mysore and my in laws stay in another city (mangaloe).I pay them 10k per month as rent , Can I claim it, my work location is mysore

    Reply
  40. Gnanabharathi says

    February 11, 2020 at 1:30 pm

    I am working in different locations . My wife and daughter is living in different place with rent house. She is house wife and my daughter is studying. I am paying rent for them. Shall I show the rent receipt where my wife and daughter living for HRA tax exemption.

    Reply
    • MoneyChai says

      March 8, 2020 at 11:41 pm

      Hi

      Yes, you can show the receipt and claim HRA. I hope, the agreement is in your name.

      Reply
  41. Kumar says

    February 28, 2020 at 9:58 pm

    Sir, How to claim HRA in case for 6 months rent is Rs 12000pm (72000) and for 4 months rent is Rs 8000pm (32000),i have PAN of first landlord and Second landlord is not giving his PAN stating that rent paid to him is less than 1 lakh. Now What is Remedy in this case.

    Reply
    • MoneyChai says

      March 8, 2020 at 11:39 pm

      Hi Kumar

      Check the rent agreement, PAN number should be mentioned there.

      Reply
  42. Himanshu srivastava says

    February 28, 2020 at 10:07 pm

    In this FY the salary arrear (7th pay) is credited in my account.For the purpose of HRA exemption,will I have to add this arrear in BASIC PAY+ DA for calculation of HRA exemption amount?

    Reply
    • MoneyChai says

      April 7, 2020 at 10:44 am

      Hi Himanshu

      yes, you have to include both.

      Reply
  43. Gk says

    March 2, 2020 at 11:47 am

    HI
    I missed to declare the HRA for 2019-2020 financial year, so the deduction has been made, is it possible to accrue the same while submitting the form 16 for returns, with all necessary documents.

    Reply
    • MoneyChai says

      March 8, 2020 at 11:37 pm

      Hi GK

      Declare the same while filing your IT returns. You will get back the additional amount paid as tax.

      Reply
  44. jyoti says

    October 31, 2020 at 12:33 pm

    hi i am a paramilitary worker i am living in govt alloted qtr but my family living in other state on rented accomadation .can i claim double HRA?I am paying rent for my parents approx 11k.

    Reply
  45. SUNIL DHINGRA says

    November 4, 2020 at 4:17 pm

    My basic salary Rs.55,000/- per month + DA in the financial year 2019-2020, I have paid Rs.20,000/- per month house rent in Delhi. Now I get what tax exemption for the year.

    Reply
  46. Balvir Singh says

    March 17, 2021 at 12:25 pm

    Hi Mam,
    I’m serving in indian army as a JCOs rank. Can I claim HRA, if I living at my duty station in house those owner is my wife. Please reply and help me.
    Thanks.

    Reply
  47. Raja KH Mohamed says

    May 27, 2021 at 2:23 pm

    My HRA limit is 20000 per month. Can I use it for a total of only six months instead of 12 months (40000 per month x 6)?

    Reply
  48. Tapas says

    July 2, 2021 at 7:58 am

    I am employee of Central Govt. and availing quarter. My wife working at State Govt. and staying different place but not more than 200 km.can she claim HRA From her Department.

    Reply
  49. Tapas Patra says

    July 2, 2021 at 8:39 am

    I am serving in central government and availing quarter. My wife serving in State government and staying in different place in a district. Can she claim HRA from her department. Please reply and help me.

    Reply

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Primary Sidebar

  • Retirement
  • Retirement
  • PF Accumulation at Retirement
  • NPER
  • Child`s Goals
  • Higher Education
  • Marriage
  • Investments
  • HRA
  • PPF Accumulation
  • PMVVY
  • SIP
  • Lumpsum Investment
  • Fixed Deposit
  • Recurring Deposit
  • Present Value of Money
  • Future Value of Money
  • Increasing SIP calculator
  • Compound Annual Growth Rate
  • Monthly SIP Required for Any Goal
  • SCSS
  • Term Insurance
  • Life Insurance Need

Newsletter

Popular posts

  • House Rent Allowance Rules and Regulations – HRA 2020-21

  • Gratuity Formula – Rules, Limit, Eligibility & Calculation 2020

  • Gift Tax Rate in India – Limits, Exemptions and Rules 2020-21

  • NRI PPF Rules – Account and Notification 2019

  • GST Rate on Real Estate – Under Construction & Completed Property

  • Should I Surrender My Jeevan Anand Policy from LIC?

  • Cost Inflation Index Calculation for FY 2020-21 & AY 2021-22

  • Early Retirement in India -How to Retire Early like Suresh ?

  • Bank Locker Rules and Regulations – Charges & RBI Guidelines

  • Financial Advisor Fees Structure, Cost & Charges in India

Recent Posts

  • Is It Wise to Mix Insurance and Investment – Never

  • Types of Risk in Debt Mutual Funds –Interest Rate, Credit and Liquidity

  • Tax on PF Interest – New PF Rules 2021 with Example

  • Calculating Returns And Lazy You

  • Deductions under Section 80C for FY 2020-21 – Tax Benefits

  • ICICI Pru Guaranteed Income for Tomorrow Review – 4%-5%Returns

  • Deduction under Section 80D – Tax Benefits for 2020-21

  • LIC Bima Jyoti Review, Returns and Tax – New LIC Plan 860 Details

  • Should You Purchase Capital Gain Bonds from NHAI & REC to Save Tax?

  • Chemist Vs Biased Doctor Vs Unbiased Doctor

Footer

About Us

Hi,
I am Ajay Pruthi, an alumnus of NIT Jalandhar and K.J. Somaiya Institute of Management Studies. I have over 10 years of experience in the field of insurance and have worked with top two private insurance players in the country.

I am a Certified Financial Planner and currently working as a Paraplanner with Mr. Melvin Joseph, founder of Finvin Financial Planners.

If you liked my blog and want to discuss further on comprehensive fee only financial planning, feel free to get in touch by visiting Finvin Financial Planners.

 

Newsletter

Help Links

  • Contact Us
  • Write for moneychai
  • Sitemap
  • Disclaimer
  • Advertise
  • Archive

Categories

  • Banking
  • Financial Planning
  • Insurance
  • Investment
  • Mutual Funds
  • Retirement
  • Tax
  • Chai Pe Charcha
  • Blog
  • Forum
  • Android App
Copyright ©2017 MoneyChai. Designed by Mount Moriah Infotechs