These days, most people find themselves moving to different cities in search of work. Moving to another city is no easy task. It is not only difficult to leave one’s roots, but one must also arrange a substantial amount to facilitate the move from one city to another. Therefore, employers give HRA. What is HRA in salary? HRA refers to House Rent Allowance. The House Rent Allowance is a component of the salary, which is received over and above the basic salary, that employees use to take care of their accommodation needs. The HRA is important as it not only provides the financial cushion that people need to move to another city or simply to start living on their own, but it also comes with HRA tax benefits.
HRA exemption is covered under Section 10(13A) of the Income Tax Act. However, taxpayers must know that the HRA is not always fully exempt from tax deductions. HRA Tax deduction depends on several factors, such as the salary of the taxpayer, the HRA they are receiving, the part of it that is going towards rent payment, the city in which they live, etc. Further, not many taxpayers know that the house rent allowance under Section 10(13A) can be claimed by both salaried as well as self-employed individuals.
In this article, we discuss who can claim HRA tax benefits, how much HRA can be claimed, and the HRA tax exemption on house rent that all taxpayers should be aware of.
Who can Avail HRA Tax Benefit?
Both salaried and self-employed individuals can claim HRA. However, they must meet certain conditions to be eligible for these exemptions. To start with, whether salaried or self-employed, the person must be living in a rented house to be able to claim HRA. One cannot claim HRA if one is staying in their own house. Further, at the time of filing taxes, the taxpayer must be able to provide a rent receipt or other valid documents to be able to claim this deduction.
Also Read: Home Loan Insurance - All You Need to Know About It
How much HRA can be Claimed on Rent by the Borrower?
To be able to answer this question, one must first understand how to calculate HRA. While doing HRA calculation, the deduction that a taxpayer can claim is the lowest of the following:
- The HRA that is mentioned in your job offer letter and that your employer is paying you.
- The actual rent that you are paying minus 10% of your basic pay.
- In the case of employees living in a metropolitan city, such as Mumbai, Delhi, Bangalore or Kolkata, 50% of the salaried individual’s basic salary plus the dearness allowance. In the case of employees living in a non-metro city, 40% of the basic salary plus dearness allowance.
Also Read: 10 Useful Income Tax Deductions
How Much TDS is Exempted on Rental income?
According to the Finance Act, 2017, one must pay TDS on rent under Section 194-IB if their total gross income exceeds the monetary limit specified under Section 44AB of the Income Tax Act. If a borrower is paying more than Rs.50,000 in the form of rental income and their total income exceeds the upper limit defined under Section 44AB, tax is to be deducted at 5% or 3.75% from the rental income going to the landlord. In this case, to claim a tax deduction, the taxpayer must provide the PAN card of both the tenant as well as the homeowner or landlord. A taxpayer can claim tax exemption on rental income in this case by downloading the TDS certificate that is a part of Form 16 from TRACES and issuing this to their landlord within 15 days of the date of providing the challan-cum-statement mentioned in Form 26QC. However, if the landlord is not a resident Indian citizen but an NRI, the tax deductions applicable are those covered under Section 195 of the Income Tax Act.
Is it Possible to Claim both HRA and Home Loan Tax Benefits?
These days, most borrowers apply for Home Loans because these loans come with Home Loan tax benefits with the help of which borrowers can save a lot of money in the long run. The question is can one claim both house rent allowance and Home Loan tax benefits simultaneously? The answer is yes.
In the case of Home Loans, a borrower can claim tax deductions up to a maximum of Rs.1.5 Lakh on payments made towards principal repayment under Section 80C of the Income Tax Act and up to a maximum of Rs.2 Lakh under Section 24(b) of the Income Tax Act on payments made towards interest repayment. Over and above this, first-time homebuyers can claim an additional Rs.50,000 in tax deductions, provided they meet certain conditions.
A taxpayer can claim HRA tax deductions as well as claim tax benefits on Home Loans. However, to be able to do so, they must have a valid answer to why are they living in a rented apartment when they have already invested in a property and have a home in their name. If they are able to justify this, they can claim both tax deductions.
Now that we know how to calculate HRA, TDS on rent limit and Home Loan tax benefits, let us answer some of the basic questions that people have on this topic.
Also Read: Section 80 EE: Claim Deductions on the Home Loan Interest Paid
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HRA Benefit on Payment of House Rent: FAQs
If you are claiming tax benefits under the new tax regime, know that you won’t be able to claim 70 different deductions and tax exemptions, including HRA tax exemption.
To be able to claim tax deductions available on HRA, it is mandatory that a taxpayer provides details of their landlord. If they do not have their landlord’s PAN, they cannot claim HRA.
Yes, a taxpayer can claim a tax deduction on HRA even if they are living with their parents. However, this is possible only when the parents own the home and show the rental income they are drawing from you as part of their total income.
Ideally, borrowers must submit all rent receipts to their office. However, even if you forgot to do so, you can still claim HRA tax deductions while filing your taxes at the end of the year. While filing your taxes, use an income tax calculator and change your taxable income to include HRA. Once you do this, the income tax calculator will automatically move you to a lower income tax slab. If you had paid taxes in excess, you will be able to claim a refund.
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What Factors Do Not Affect Credit Scores?2024-02-28 | 7 min
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cibil Cibil
[N][T][T][N][T]
How to Check Your CIBIL Score for Free and What to Do If There Are Errors in It2024-06-05 | 4 min
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home+loan Home Loan
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What Affects the Interest Rate on Your Home Loan2024-03-13 | 5 min
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loan+against+property Loan Against Property
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loan+against+property Loan Against Property
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Easy Ways to Pick the Right Loan Against Property Tenor2024-05-14 | 3 min
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cibil Cibil
[N][T][T][N][T]
How to Check, Calculate, and Improve CIBIL Score?2024-01-11 | 2 min
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tax Tax
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How to Save Tax for Salary Above 30 Lakh?2023-08-07 | 6 min
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tax Tax
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How to Save Tax Between Rs 20 to Rs 25L Salary in India2023-07-19 | 6 min
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home+loan Home Loan
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home+loan Home Loan
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home+loan Home Loan
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home+loan Home Loan
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How to Determine Your Ideal Credit Score for a Home Loan?2024-03-28 | 4 min
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home+loan Home Loan
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Would it be Possible for Me to Apply for a Second Mortgage?2024-05-22 | 3 min
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cibil Cibil
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Easy Ways to Maintain a Good Business Credit Score2024-01-10 | 5 min
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cibil Cibil
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Impact of Late Payment on CIBIL Score?2024-03-08 | 6 min
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home+loan Home Loan
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7 Smart Ways to Boost Your CIBIL Score for a Home Loan2024-05-09 | 6 min
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cibil Cibil
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Pay Minimum Amount Due on Your Credit Cards Will Impact Your Credit Score2024-03-11 | 5 min
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cibil Cibil
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Here’s How a Short-term Loan Can Help You Improve Your CIBIL Score2024-03-25 | 5 min
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cibil Cibil
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How Can I Raise My Credit Score From 360 to 800 Within a Year?2024-03-21 | 5 min
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home+loan Home Loan
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What is an NOC Letter and Why is it Important?2024-05-14 | 3 min
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tax Tax
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Income Tax Structure in New Regime: New Tax Exemption Limit 20232024-05-08 | 4 min
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loan+against+property Loan Against Property
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Top 5 Issues Regarding Loan Against Property Application Rejection that You Might Face2023-02-14 | 5 min
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tax Tax
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Know all About Top Up Loans and How to Avail of Tax Benefits2023-12-12 | 5 min
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home+loan Home Loan
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5 Tips for Lowering Home Loan Interest Rates in 20232024-03-19 | 5 min
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home+loan Home Loan
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How Can Your Credit Score Impact Your Home Loan Interest Rate?2024-02-13 | 6 min
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Everything You Need to Know About Home Loan Tax Benefits2024-04-23 | 6 min
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cibil Cibil
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Does a Name Change Affect Your Credit Score2024-01-07 | 4 min
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home+loan Home Loan
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Home Loan Balance Transfer: Benefits, Eligibility, and More2024-05-15 | 3 Min
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home+loan Home Loan
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Benefits of Submitting a Digital Home Loan Application in Current Times2023-12-20 | 4 min
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home+loan Home Loan
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Common Mistakes to Avoid When Applying for a Home Loan2023-12-04 | 2 min
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home+loan Home Loan
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Differences Between Fixed and Floating Interest Rates2024-05-15 | 2 min
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cibil Cibil
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Everything You Should Know About Your CIBIL Score2024-02-09 | 7 min
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tax Tax
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Top Benefits of Using an Online Income Tax Calculator2023-12-28 | 5 min
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cibil Cibil
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What is Credit Score and Its Impact on Loan Availability2023-03-27 |
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cibil Cibil
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What Does Your Credit Score Tell About You?2024-06-11 | 5 min
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cibil Cibil
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Know How Mortgage Loan Affect Your CIBIL Score2024-02-05 | 5 Min
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home+loan Home Loan
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ITR Filing for Home Loan – Know the Right Process to File Your Income Tax Returns2024-02-16 | 5 min
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cibil Cibil
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Why is a CIBIL Score Measured Between 300 and 900?2024-05-07 | 4 min
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cibil Cibil
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What are the Types CIBIL Errors & How to Correct Them?2023-11-22 | 6 min
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cibil Cibil
[N][T][T][N][T]
What is CIBIL? Understand How It Works and Its Importance2024-01-31 | 6 min
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tax Tax
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What Does It Mean to Have a CIBIL Score of -12023-06-16 | 4 min
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home+loan Home Loan
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Home Loan Terminologies2024-06-01 | 3 min
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cibil Cibil
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What Are Tradelines and How to Find Them On Your Credit Report?2024-05-28 | 4 min
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home+loan Home Loan
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Ways to Check Bajaj Housing Loan Account Numbers2024-04-05 | 3 min
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home+loan Home Loan
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What Do You Need to Know About Home Loan Foreclosure?2023-03-23 | 5 min
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cibil Cibil
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Introduction to Credit Information Bureau India Limited (CIBIL)2024-04-15 | 6 min
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home+loan Home Loan
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Section 80EE: Claim Deductions on the Home Loan Interest Paid2023-02-17 | 6 min
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home+loan Home Loan
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What is the Process to Get Your Home Loan Approved Fast with Bajaj Housing Finance?2024-02-15 | 6 min
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home+loan Home Loan
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What are the Different Types of Loans Available in India?2024-01-02 | 5 Min
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cibil Cibil
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What Does a Zero or Negative Credit Score Mean?2023-02-24 | 4 min
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cibil Cibil
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How Many Credit Inquiries are Too Much in a Year2023-09-21 | 2 min
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cibil Cibil
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How to Check CIBIL Score Online?2023-03-14 | 5 min
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home+loan Home Loan
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Top 5 Home Loan Benefits for First-time Woman Buyers2024-05-14 | 5 min
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home+loan Home Loan
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Importance of an NOC Letter after Closing Your Home Loan2023-12-14 | 6 min
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home+loan Home Loan
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Benefits of a Joint Home Loan with your Spouse2023-08-04 | 4 min
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home+loan Home Loan
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How to Pick the Best Home Loan Tenor that Suits Your Budget2023-06-29 | 5 min
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home+loan Home Loan
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How Digital Platforms Are Revolutionising the Face of Housing Finance2023-12-21 | 7 min
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home+loan Home Loan
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What is the Ideal Down Payment for a Home Loan?2024-05-16 | 5 min
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tax Tax
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Comparison Between New Tax Regime vs Old Tax Regime2024-04-10 | 5 min
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home+loan Home Loan
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Know All About the Home Loan Foreclosure Procedure2023-12-20 | 5 min
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cibil Cibil
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10 Common Myths About CIBIL Score2024-03-27 | 4 min
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cibil Cibil
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Check CIBIL Score with PAN Card for Free, in 3 Steps2024-02-27 | 5 min
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home+loan Home Loan
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Advantages of Including a Co-Applicant on Your Home Loan2024-01-21 | 7 min
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home+loan Home Loan
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What is the Difference Between Top-up Loan and Home Improvement Loan2023-01-11 | 5 min
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home+loan Home Loan
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Are Registration Charges Compulsory When You Opt for a Home Loan?2024-04-15 | 5 min
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home+loan Home Loan
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Can I Take a Home Loan and a Personal Loan Together?2024-01-17 | 4 min
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home+loan Home Loan
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Should You Take a Home Loan Even If You Have Enough Money to Buy a House?2023-01-30 | 3 min
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home+loan Home Loan
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7 Common Problems You May Face While Applying For Home Loan2024-01-18 | 7 min
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home+loan Home Loan
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What Happens If Home Loan EMI Bounces? Know the Consequences2023-07-11 | 5 min
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home+loan Home Loan
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Hybrid Flexi Loan vs. Personal Loan: Which One is Better?