Can I claim both HRA and a home loan?

Name: Vijay R Singh & Co.
Address: Office No. 4, Vishal CHSL, D Wing, Sir Mathuradas Vasanji Road, Azad Nagar, Opp. Andheri Gymkhana, Andheri East, Maharashtra, 400069, IN
Telephone: +91 98607 23959

CA Vijay R Singh, FCA
Chartered Accountant · ICAI M.No. 153926 · FRN 136869W

Short answerYes, you can claim both HRA and home-loan benefits together in the old regime — for example if you rent where you work and own a house elsewhere (or it’s genuinely let out). You claim HRA exemption on the rent you pay and home-loan interest under Section 24(b). It must reflect a real situation, not just on paper.

When both are allowed

You rent in your work city and own a home in another city, or your owned house is genuinely let out. Both claims are legitimate when the facts support them.

Watch-outs

Claiming HRA and a self-occupied home loan in the same city invites questions unless there’s a genuine reason. Keep rent receipts and the loan statement. Old regime only.

NRI Taxation

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This answer is general information for NRIs, not tax advice. Tax rates, thresholds and forms change with each Finance Act — please confirm the current position for your own facts, or speak to us, before acting.