Can I claim both HRA exemption and Home Loan interest deduction?

Yes, you can claim both if you live in a rented house (eligible for HRA u/s 10(13A)) while owning a self-occupied property in a different city/location (eligible for Sec 24(b) interest up to ₹2 Lakhs) due to employment or business reasons.

What happens if my owned house is in the same city where I rent?

You can still claim both if you have a valid reason (e.g., the rented home is closer to your workplace, or your owned home is let out). You must declare the rental income from your owned property.

Are these combo benefits available under the New Tax Regime?

No, both HRA exemption and Section 24(b) home loan interest deduction for self-occupied properties are disallowed under the New Tax Regime.

HRA + Home Loan ComboFY 2026-27

Calculate eligibility and optimize claiming both HRA exemption and Home Loan tax benefits.

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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.

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Regulatory Disclaimer · FY 2026-27

Last verified May 2026

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