Quick Summary: HRA + Home Loan Combo

You can claim both House Rent Allowance (HRA) and Home Loan tax benefits simultaneously if you live in a rented house while owning another home (in the same or different city). In FY 2026-27, this requires you to be in the Old Tax Regime. You can claim Sec 10(13A) for HRA and Sec 24(b) for interest up to ₹2L.

How to use the HRA + Home Loan Combo

  1. Input Rent Paid

    Enter your annual rent for the house you are living in.

  2. Input Loan Interest

    Enter the annual interest certificate amount from your bank for your owned home.

  3. Check Location Criteria

    Specify if the owned home is let out or used by parents, which justifies the dual claim.

Related Calculators

Joint Home Loan Tax Benefit
HRA Exemption Calculator
Income Tax Calculator
Old vs New Regime Advisor

Regulatory Disclaimer · FY 2026-27

Last verified May 2026

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

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Consult a SEBI-registered IA or CA for personalised advice.

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