HRA Calculator
House Rent Allowance ka kitna hissa tax se exemption paata hai, wo teen amounts mein se sabse kam hota hai. Yahan apna HRA exemption turant nikalein (old tax regime).
How HRA exemption is calculated
Aapka HRA exemption in teen amounts mein se sabse kam (least) hota hai — monthly basis par:
Metro cities (Delhi, Mumbai, Kolkata, Chennai) ke liye 50%, baaki sab cities ke liye 40% of Basic + DA lagega. Ye exemption sirf OLD tax regime mein milti hai — new regime mein HRA exemption nahi milti. Yearly figure monthly exemption × 12 hota hai.
Example: Basic + DA ₹50,000, HRA ₹20,000, rent ₹18,000 (non-metro): MIN(20,000, 18,000 − 5,000, 40% of 50,000) = ₹13,000/month = ₹1,56,000 exempt per year.
FAQ
New tax regime mein HRA exemption milti hai?
Nahi. HRA tax exemption sirf old tax regime mein claim ki ja sakti hai. Agar aap new regime chunte hain to HRA fully taxable rehti hai. Isliye compare karein ki kaunsa regime aapke liye better hai — hamara Income Tax Calculator use karein.
Ghar loan wale ghar ke liye rent claim kar sakte hain?
Haan, agar aap kisi doosre sheher mein rehte hain aur apne khud ke ghar ko rent par dete hain to claim possible hai — lekin rent income taxable hogi aur proper documentation (rent agreement, receipts, landlord PAN) chahiye. CA se salah lein.
Landlord ka PAN kab zaroori hai?
Agar saal mein total rent ₹1 lakh se zyada hai to HRA exemption claim karne ke liye landlord ka PAN dena zaroori hai. Isse kam hone par PAN optional hai lekin rent receipts rakhna smart hai.
Kya HRA exemption ke liye rent actually pay karna zaroori hai?
Haan. Exemption sirf actually paid rent par milti hai, aur rent payment ke receipts/bank transfer proof company ko dene padte hain. Jo rent pay nahi hua, uska claim valid nahi.