Find out how much of your house rent allowance is exempt from tax, and how much is taxable.
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How it is worked out
- The exemption is the lowest of three amounts: the HRA you received; rent paid minus 10% of salary; and 50% of salary in a 50% city, or 40% elsewhere.
- Salary here means basic salary plus dearness allowance.
- 50% cities are Delhi, Mumbai, Kolkata and Chennai, and from tax year 2026-27 also Bengaluru, Hyderabad, Pune and Ahmedabad. Surat is a 40% city.
- HRA exemption is available only in the old tax regime.
Questions people ask
Can I claim HRA if I pay rent to my parents?
Yes, if you genuinely pay the rent and they show it as income in their return. Keep a rent agreement and bank records of the payments.
Do I need my landlord’s PAN?
Employers usually ask for it when rent is more than ₹1 lakh in a year.
I do not get HRA. Can I still claim anything for rent?
In the old regime, a separate deduction for rent may be available in some cases. Ask us whether you qualify.
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Want us to work it out for you?
Share your documents and we will check the figures before anything is filed. We call back during office hours.