Income Tax saving on House Rent Allowance (HRA)

[caption id="attachment_214" align="alignleft" width="300"]House_rent_allowance_HRA House_rent_allowance_HRA[/caption] House Rent Allowance (HRA) is best tax saving tools available to employees. With these you can save upto 50% of your salary if you reside in Metro (40% of your salary if you reside in non-metro). As per income Tax act, for calculation House rent allowance least of the following is available as deduction :

  1. Actual HRA received
  2. 50% / 40%(metro / non-metro) of basic 'salary'
  3. Rent paid minus 10% of 'salary'.
Basic Salary for this purpose is basic+ DA forming part+ commission on sale on fixed rate. Metro Cities: Cities Like, Delhi, Mumbai, Chennai and Kolkata constitutes Metro. Non Metro Cities: All cities other than these are non-Metro. So if you resides in cites like Gurgaon, Faridabad, Bangalore, Hyderabad, Pune, Chandigarh, Ahmedabad etc it would constitutes as Non metro and only 40% deduction will be allowed. If actual rent paid is lower than 10% of your basic salary you receive no exemption. The other key point is that you cannot claim any exemption under this section if you live in your own home or if you are not paying rent to anyone. Important point before claiming HRA: It is generally seen that employees in order to save tax, give HRA to their father, mother or wife. 1) You can give HRA to your parents but make sure that your parents actually own the house, for which you are paying the rent. ie the registry is the name of parent. When paying rent to parents ensure that parents include the rental income in their total income while filing their tax return. 2) Avoid paying rent to your wife, if she is not owner of the house for which you are paying the rent. 2 b) If your wife has purchased house from her own income then you an consider paying rent to her. 3) Make sure to whom so ever you are paying rent, is actually filing income tax return and showing this rental income in his / or her income. Download HRA calculator here  

PAN No of Landlord compulsory if Rent Exceeds Rs 1,00,000/- in a year

 

Que: Can I claim both HRA and Housing loan benefit?

Income tax benefits for both home loan and HRA are governed by different sections of income tax act. As long as you are paying rent for an accommodation, you can claim tax benefits on the HRA component of your salary, while also availing tax benefits on your home loan. Make sure that you include rental income from the property you own under income from house property.

Que: I am paying rent in cash for Rs 15,000/- but my Landlord is not providing me with PAN copy. What should I do?

Unfortunately, There is no legal way you can force landlord to provide pan copy. Rent and HRA is one of the effective tax planning tips for salaried employees. It make sense to claim full HRA tax benefit.

Way out in such case where landlord is not providing PAN copy is:

  1. Look for new landlord and before moving to new home check if he is ready to provide pan copy.
  2. You can look for any friend or relative who is taking housing loan interest benefit and has actually not leased out his property. If housing loan interest is high and he will be showing his property as deemed to be let out. In this case he will get name of tenant and you will HRA benefit.
It will be win - win situation for both of you.

Comments

93 responses to “Income Tax saving on House Rent Allowance (HRA)”

  1. Pruthvi Avatar
    Pruthvi

    I have a home loan against a house in Bangalore but currently I am staying in Mumbai in rented house.
    My parents are staying in my house in bangalore (not rented).
    Can I claim tax benefits on both home loan as well as HRA?

    1. Income Tax Buddy Avatar
      Income Tax Buddy

      Pruthvi, you can claim income tax benefit for both Bangalore and Mumbai. You will be able to claim both Interest on housing loan for Bangalore and Rent for Mumbai home

  2. Ravindra Avatar
    Ravindra

    Instead of HRA, Company is providing me lease accomodation and for that company is paying rent of Rs.5000/- per month to owner of flat. whole amount is added in my salary(value of perquisites as per form no. 12BA) My salary basic is rs. 18080+DA 10000 . How much HRA exemption I can claim?

    1. Income Tax Buddy Avatar
      Income Tax Buddy

      Ravindra, Your company has provided lease accommodation and you are not getting HRA in your salary component, you will not be able to claim HRA benefit.

  3. Ritesh Avatar
    Ritesh

    I am staying abroad for 6 months while my family is staying in INDIA and using same rental property which I was using prior to leave to Abroad. My comapny is paying me HRA as usual for whole 12 months. Am I eligible for getting HRA exemption for all 12 months (as my family is using this rented property in INDIA) or only for 6 months ?

    1. Income Tax Buddy Avatar
      Income Tax Buddy

      Ritesh, you will be able to claim HRA benefit for full year, for Rent paid by you, for your family

  4. Tax_victim Avatar
    Tax_victim

    i forgot to give HRA document in company for tax exemption… can i get money back by filling ITR ????

    1. Income Tax Buddy Avatar
      Income Tax Buddy

      Rahul,
      You can claim tax refund by filing income tax return

      1. Sharath Kamath Avatar
        Sharath Kamath

        But how to do it ?
        Where do we put the HRA amount in ITRV1 ?
        And do we need to attach any docs along with the ITRV ?

        1. Tax Dost Avatar
          Tax Dost

          Sharath, No documents are required to be attached with ITR, please do calculation and file ITR2

    2. Atheeq Ahmed Avatar
      Atheeq Ahmed

      You can Submit a Revised IT Return Before Complation of a Financial Year

  5. Partha Avatar
    Partha

    I had missed submitting my HRA documents for HRA exemptions for this assesement years. Can anybody explain me the process of submitting again or the process of any subsequent adjustment.

    Thanks in advance.

    Regards

    1. Income Tax Buddy Avatar
      Income Tax Buddy

      If you have missed HRA in your salary declaration the same can now be claimed while filing your income tax return.

  6. kulwinder Avatar
    kulwinder

    to get hra exmption… wht documents needed… & whr to submit? my landlady is widow.. she is not even filling any return… is it still admissible?

    1. Income Tax Buddy Avatar
      Income Tax Buddy

      To Claim HRA, you require Rent receipt, Rent agreement, and PAN no of land lord/ landlady. Please note PAN is complusory only if Rent Exceeds Rs 16,000/- pm

      1. Senthil Kumaran Avatar
        Senthil Kumaran

        Is it not compulsory to furnish the pan card details if the rent exceeds 15000/- pm ? Was this changed anytime ?

        1. Income Tax Buddy Avatar
          Income Tax Buddy

          For claiming HRA, PAN no is compulsory if, rent exceeds rs 16000/- p.m

          1. Pardeep Kumar Avatar
            Pardeep Kumar

            Hi Buddy,

            Can you please share the link from Income tax department official website mentioning limit as 16000.

          2. Tax Dost Avatar
            Tax Dost

            Pradeep there is no link available. 16000*12 = 192000, this amount is less than Rs 2 lac, ie basic exemption limit. Since any person is giving rent less then basic exemption limit, therefore no requirement for PAN Copy

  7. Sanket Avatar
    Sanket

    Hello,
    I have a flat in Talegaon (which comes under the Talegaon grampanchayat – possession taken) near Pune (i.e. falls outside of Pune city limits). Currently, I am staying in Pune on a rental basis. As these two places are considered to be different cities, can I claim tax exemption on HRA as well as the interest on house property?

    1. Income Tax Buddy Avatar
      Income Tax Buddy

      Yes you can claim both benefits

  8. Sanjay Avatar
    Sanjay

    Hello,
    I have purchased a flat on under construction stage, and paying pre EMI interest, living in currently on rent accommodation. Can I get benefit of tax rebate on it?

    1. Tax Dost Avatar
      Tax Dost

      There is no tax benefit for under construction property

  9. RAMKUMAR Avatar
    RAMKUMAR

    Hi,
    I am a professional(doctor) and i,m getting my salary as professional fees paid to me. Am i eligible to reduce my house rent from my gross income?

    1. Tax Dost Avatar
      Tax Dost

      Since you are getting paid as professional salary you can not claim HRA. You can however claim normal business expenditure while your tax return.

  10. Rajesh Avatar
    Rajesh

    My owner has made a registered agreement with all my PAN details and all.

    Q1) Do i need to update all agreemnt and receipt to cliam HRA? Wouldn’t that be added directly in IT database automatically?

    Q2) What if i change the premise mid way and have a normal Rent agreement there with more Rent paid this time? Wont the IT return people say we have your registered agreemnt details so you are claiming wrongly??

    1. Tax Dost Avatar
      Tax Dost

      Rajesh,
      Mere registering agrement with PAN no dont update income tax records.So dont worry about this

  11. Swara Avatar
    Swara

    I have purchased home at pune n working in Vapi(Gujrat).
    I have given that home for rent basis, then how much exemption will get me for Interest on home loan (1.5 lakh or actual interest paid)

    1. Tax Dost Avatar
      Tax Dost

      In case house is given on rent, then you can claim full interest amount paid.

  12. sonam Avatar
    sonam

    I am paying Rs. 5000+ 350 as monthly rent and have rent agreement but the landlord is not givimg me rent receipt.Also I am paying rent in cash so how do I claim hra???

    1. Tax Dost Avatar
      Tax Dost

      Sonam Ideally, your landlord should not be having problem in giving receipt. Since you already have rent agreement, for claiming HRA, you can create this receipt yourself and give to your company.

  13. jiten Avatar
    jiten

    Hello,
    My basic is 38934 (basic+da).
    My father owns the house and I stay with him. My father used to be a businessman but from past few years he’s retired and is not filling returns. I’d like to save tax by paying him House Rent. But I’ve read in few websites that person getting the House Rent (my father) must show that income while filing return. (is it compulsory for my father to file a return if total income including rent income is below 2lac limit?)
    I would like to know that even if he’s not filling return can I pay him the House Rent (do agreement, do cheque payment n get a receipt) and show to employer to get the benefit of tax exemption ?

    1. Tax Dost Avatar
      Tax Dost

      Hello Jiten,
      Since your father income is less than Rs 2 lac, as per law he is not required to file income tax return as. But since you are paying him rent, it is advisable to file his return.

  14. Abhishek Gautam Avatar
    Abhishek Gautam

    Hello,
    myself working on per day wages with one PSU, can i apply for HRA exception? in ITR, as company directly cut 15% flat on gross monthly income for income tax deduction

    1. Tax Dost Avatar
      Tax Dost

      Abhishek,
      You will not be able to claim HRA benefit, since your are not getting salary from your employer.

  15. Vinay Avatar
    Vinay

    Hello,

    I have recently chnaged my Job and relocating to Hyderabad.

    Due to kids education my family will continue in Bangalore and will be staying in a rented house while I will share a room/flat with my colleague in the new location.

    Can I claim the HRA for my Bangalore residence instead of hyderabad as the Rents are more in Bangalore

  16. shaheen Avatar
    shaheen

    I am staying in a flat which my dad has bought am sending 15000 rs a month can i claim as house rent allowance?

    1. Tax Dost Avatar
      Tax Dost

      Shaheen,
      Sure you can claim HRA benefit on rent paid to your dad. Please ensure that your dad show this rent in his income tax return as income from house property.

  17. Krishna Avatar
    Krishna

    My owner is neither signing the rent receipt nor he is giving his PAN card number. I’m only having rental agreement. I’m paying 12000 rs towards rent. What I’m suppose to do for tax exemption?

    1. Tax Dost Avatar
      Tax Dost

      Without PAN card you will be, allowed maximum of Rs 1 lakh rent p.a.

      1. ANKIT GUPTA Avatar
        ANKIT GUPTA

        I am confused what if my landlord doesn’t have a PAN Card and i pay 15K/month as my rent.
        will the declaration of no PAN card from my landlord + rent receipts will do.
        and i guess bangalore is non-metro.
        Thanks

        1. Tax Dost Avatar
          Tax Dost

          Since landlord doesnot have a PAN card, declaration from him that he does not have PAN is sufficient.

  18. puneet Avatar
    puneet

    i want to know i stay in Vaishali which in under NCR . hence my HRA will considered under metro or non metro ..please help

    1. Tax Dost Avatar
      Tax Dost

      Vaishali i considered as non- metro for purpose of HRA calcualtions

  19. Lalit Ahuja Avatar
    Lalit Ahuja

    Dear, i hve recently done rent agreement in December 2013 with landlord of the house. plz let me know can i get HRA benefit for full financial year 2013-14 or only for 4 months from December-2013 to March-2014.

    1. Tax Dost Avatar
      Tax Dost

      You can will get HRA benefit for the period for which you have actually paid the rent.

  20. Sangram K Das Avatar
    Sangram K Das

    My mother is a pensioner from Central Govt. and is in the Taxable range of 10%

    Other than saving of normal 1 lakh , whether she can save in any other head to reduce the tax liability. PPF + Medical Insurance put together is 1 lakh. Is any other head can she save upon. How about House rent ? She is staying in my house and nor she or me claiming for same in IT return.

  21. Rajesh Avatar
    Rajesh

    Hi,
    Actually, I am leaving in rented appartment with my friend. My friend has rent agreement prepared with his name only. Can I furnish this agreement for HRA exepmtion which not even include my name?
    Also, my friend is actually paying rent by online transfer to owner and I am doing cash payment to my friend. In this case, can I prepare rent receipt of my part share only and furnish the same in company?

  22. Amit Avatar
    Amit

    Hi,
    I am currently living in a rented apartment and will be living there for next 3-4 months. I have bought a flat at outskirts of city (Pune). This project comes under a Gram Panchayat and it’s not part of Pune Municipal Corporation (My rented house belongs to PMC area).

    Also, though I have taken possession of property(Jan 2014), there is some work going on and I have no plans to shift there until May. (Another reason being my company also shifting in May from it’s current place to a place nearer to my new flat.)

    Now as I am paying both rent and EMIs I claimed exemption for both, but my company is saying that I can’t claim HRA from JAN 2014 onwards.

    Is their statement valid? Because I heard that one can claim both benefits if their own house and rented house are not in same city and own house is not occupied.

  23. sudheer Avatar
    sudheer

    Hi,

    I have a rental house in Hyderabad my property is registered under my wife & my name, now she is not working can I provide by Wife PAN number for my tenants or both (me & my wife) PAN numbers are required. if my wife PAN is sufficient, does she has to file tax returns?

    Regards,
    Sudheer Kumar C

  24. AMIT KUMAR MITRA Avatar
    AMIT KUMAR MITRA

    I occupy a company leased accommodation rent for which is added to my salary for taxation. There is an element of HRA in my salary structure that is also fully included for the purposes if IT. Is this component of HRA not eligible for IT deduction as usual? Also, what about the fallacy of double taxation on the single payout as rent by the Company – I pay IT on it as my income while the same amount is also part of the income of the house owner leasing out the property. Is such double taxation permitted under Law?

  25. kamal Avatar
    kamal

    Hi,
    I am working in a private company on salary 21500*12=258000. On account of TDS my company is asking my investment details for the year 2013-2014.
    I am paying house rent 4500*12=54000
    I am paying for my child school 1300*12=15600

    Can I furnish these for availing exemption on TDS?
    Thanks
    Kamal

    1. Tax Dost Avatar
      Tax Dost

      Yes you can

  26. Pankaj Samdani Avatar
    Pankaj Samdani

    My land loard not giving me the PAN no.
    But as per new rule I can show HRA 8500 Max without PAN no.

    Can I show home loan intrest of two loan in addition to HRA 8500 MAX Without PAN no.

  27. G GANGA RAO Avatar
    G GANGA RAO

    I have given my house for rent @ 9,000/- per month. How much I have to pay income tax. I am already paying tax as I am a pensioner.

    1. Tax Dost Avatar
      Tax Dost

      Please use income tax calculator to view your income tax liability.

  28. Tejas kadam Avatar
    Tejas kadam

    If any person posted in Delhi but he resides in noida, so what % we consider 50% or 40% ?

  29. Deb Avatar
    Deb

    Dear Sir/Ma’am,

    I have changed house in midway. I stayed in a rented house for 6 months and move into another for 6 months. If PAN card of landlord has to be shown where the annual rent paid exceeds Rs. 1,00,000. what if the rent paid remains 90000 for 6 months and 90000 for next 6 months for two different landlords. Then no landlord comes under this law.

    Am i right?

  30. Saurabh Avatar
    Saurabh

    I’m staying with my parents. My house is on my grandmother’s name. But she is no more. Still name transfer has not done. Can i pay rent to my parents?

  31. neeta Avatar
    neeta

    I provided my HRA details to my compay for tax filing, and due to my landlord’s oversight provided the wrong PAN card number. The company has rejected the same and says it cannot do anything about it. Is there anyway i can file for this directly with the IT department? How do i ensure that i dont lose out on these tax savings?

    1. Tax Dost Avatar
      Tax Dost

      You can consider HRA benefit while filing your income tax returns

  32. aa Avatar
    aa

    You said that I can pay rent to my parents who own the house. If so then my mother who actually own the house will have 1.59lacs as her yearly income which would be through house rent. Since this amount is beneath 2lac taxable cadre so is there any need for her to file her income?

    1. Tax Dost Avatar
      Tax Dost

      That is correct

  33. sandeep Avatar
    sandeep

    Sir
    my monthly salary is RS 28,000.00 .due to companies funds issues I am not getting my salary for the month of december 13 jauary,feb & mrach 2014. does these 4 months salary will be calculated my income for the fy 13-14.

  34. Sundeep Avatar
    Sundeep

    Sir,

    How is the rent paid calculated for tax exemption. Is it pro-rated based on the date of joining. I recently joined a company on 09th Apr. Rent paid for month of Apr is 12000, whereas, company has taken 8800 for the purpose of calculation. Please clarify.

    My rental agreement is from 01 Apr 14.

    1. Tax Dost Avatar
      Tax Dost

      Rent for HRA purpose is taken on pro rata basis. ie actual date of joining

  35. simon Avatar
    simon

    I am paying the rent to my owner 15000 monthly. He has shared the pan card. But he says that he does not have income more then 2 lakhs. Do he still need to file his income tax?

    1. Tax Dost Avatar
      Tax Dost

      Any person whose income is below Rs 2 lac , is not required to file income tax return. But it is always advisable to file tax return, since it is valid and must document if one apply for home loan, car loan, or passport.

  36. Anand Avatar
    Anand

    Hi,

    I actually switched my company last year. I could not declare my house rent amount in any of my company. so no tax was deducted considering HRA as actual income. My form 16 does not show tax exemption for HRA. Can I declare house rent in tax return and claim my money.

    1. Tax Dost Avatar
      Tax Dost

      Yes, you can claim the benefit of HRA while filing your tax return.

      1. Anand Avatar
        Anand

        Do I need to submit proof as part of filling post document

  37. Ahmad Avatar
    Ahmad

    Dear Sir,

    I am propritor (Self Employeed running a manpower Consultancy). living in Rented Flat In Mira Road- Thane. and i did not File Income Tax Return Yet.

    1- how much i can claim as HRA for FY-2013-14.
    2- Also How much Agriculture income can be tax free.

    Please Help me ASAP.

    Regards
    Ahmad

    1. Tax Dost Avatar
      Tax Dost

      HRA can be availed by only salaried employees. For self employed you can avail benefit under section 80GG ie upto Rs 2000 as rent.

      Their is no limit on agriculture income

  38. Krupa Avatar
    Krupa

    Hi,
    I am a married woman. Currently I am supporting my parents and paying their house rent. Can i claim HRA benefits for this? I do not reside with my parents and stay along with my husband.

  39. kriti Avatar
    kriti

    Hi
    I am paying rent for my house where me n my husband live.
    rent agreement is on my husbands name .
    can i claim tax redemption on rent ?
    he is not claiming the same at his work place because he has loans and all to cover up.
    can i claim the same ?

    1. Tax Dost Avatar

      Since Rent agreement is made in your husbands name, you cannot claim HRA rent benefit. Please change the agreement in your name to claim full benefit.

  40. Rahul Avatar
    Rahul

    What is the logic behind the last clause? It means that higher my basic salary, the lower the exemption I’ll get. This is complete nonsense. If I have a basic salary of 6Lac and I pay a rent of 1Lac monthly, then as per this rule I’ll only get an exemption of 40k. Help me understand if I’m missing a point.

    1. Tax Dost Avatar

      Rahul, You are right, That is why all companies keep HRA 50% of basic salary.

  41. Ninad Avatar
    Ninad

    Is rent agreement compulsory if I am showing rent of 8000 pm.

    kindly advice.

    1. Tax Dost Avatar

      No it is not compulsory

  42. Rohan Muley Avatar
    Rohan Muley

    And how much can I claim? Because that depends on Basic and HRA.

    Please advice.

    1. Tax Dost Avatar

      Sir Please use our excel based HRA calculator, It will calculate Tax benefit on HRA for you.

  43. Prakash Avatar
    Prakash

    I bought house using loan and paying monthly emi and I rented out for 10,000/- per month with agreement, now the tenant is asking for PAN Copy for his HRA purpose, should I share that, is this safe? Thanks in advance.

    1. Tax Dost Avatar

      Yes Prakash, It is safe to share PAN copy with lease. But make sure that income your are earning from this rent is added in your total income.

  44. vikas Avatar
    vikas

    Sir. I am central government employee. And I live with my father in pune. My basic salary is 12000 and I get 20% of HRA in my salary. I want to avail tax benefit but problem is though my father owns the house the property tax receipt has my grandfather’s name. So what to do?
    Secondly registered rent agreement is compulsory or only receipt and affidavit is enough?

    1. Tax Dost Avatar

      Since rent exceeds Rs 1 lac p.a. yout employer wou;d required rent receipt. You can claim benefit of HRA by paying rent to your father. Make sure your father also show rental income in his tax return.

  45. Pavithra Avatar
    Pavithra

    Do Bangalore is Metro or Non Metro for 2015?

    1. Tax Dost Avatar

      Bangalore is non metro city for purpose of HRA.

  46. Mahesh Samala Avatar
    Mahesh Samala

    Sir,

    I joined new organisation in Month of August 2015. From April 2015 to July 2015 i was on sabbatical. Can i claim HRA for the whole year i.e 2015-16 or only for 8 months while filing my ITR. Please guide.

    1. Tax Dost Avatar

      You Will able to claim HRA for period you got salary and working. You are not entitled to claim HRA during Sabbatical leave.

  47. radhika Avatar
    radhika

    I allotted a flat in 2010 from GNoida Authority for which I took loan from bank and still I am paying EMI. But due to legal issues (Supreme court stay on land where flats were constructing), the Authority allotted me an alternative flat in some different location in 2016 and recently gave me possession. Can I avail the income tax rebate on my EMI (Home Loan). If

  48. Kunwar Aneja Avatar
    Kunwar Aneja

    Hi Sir,

    I am staying in varanasi, I parents stay in Delhi.
    Can I show that I am paying rent in delhi??

  49. Zakir Avatar
    Zakir

    What if I have taken 02 houses for rent which I am paying, one for my wife and another for my parents. Can I claim HRA for the rent paid for both houses. Thanks for your response.

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