Tools
HRA Exemption Calculator
Section 10(13A). Metro / non-metro logic built in.
Inputs (annual ₹)
Result
- Actual HRA received
- ₹3,00,000
- 50% of basic
- ₹3,00,000
- Rent paid less 10% of basic
- ₹1,80,000
- HRA exempt u/s 10(13A)
- ₹1,80,000
- Taxable HRA
- ₹1,20,000
Claim this HRA exemption in your return
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or message us on WhatsApp instead →Frequently asked
How is the HRA exemption computed?+
It is the lowest of three figures: actual HRA received, rent paid less 10% of basic salary, and 50% of basic for metro cities or 40% for non-metro.
Which cities count as metro?+
Delhi, Mumbai, Kolkata and Chennai have historically been the four metros for the 50% limit. The concession widens from 1 April 2026 — confirm the position for the year you are filing.
Do I need my landlord’s PAN?+
Yes, where annual rent exceeds ₹1,00,000. Without it the exemption is commonly disallowed, and it is a frequent scrutiny trigger.
Can I claim HRA under the new regime?+
No. The HRA exemption is an old-regime deduction, so compare both regimes before choosing.
Can I claim HRA and a home loan together?+
Yes in genuine cases — for example renting in your work city while owning a let-out or unoccupied property elsewhere. The facts have to support it.
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