Generate Professional HRA Rent Receipts
in Seconds
Privacy-first tax compliance kit for salaried Indian employees. 12 monthly receipts + Form 12BB + Landlord Declaration — all generated in your browser.
🔒 100% Client-Side•No Phone Numbers•Zero Telemarketing Spam•Data Never Leaves Browser
⚠️ Section 115BAC Notice: HRA exemption cannot be claimed under the default New Tax Regime. Switch to the Old Regime to claim HRA with your employer.
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50% Metro
Under Income-tax Rules 2026, 8 metropolitan cities qualify for the 50% rate.
Tenancy & Landlord Details
Form 124
Mandatory disclosure under Form 124 (Income-tax Rules, 2026).
Valid
Invalid PAN format. Expected: 5 letters, 4 digits, 1 letter (e.g. ABCDE1234F)
Mandatory if annual rent exceeds ₹1,00,000 (CBDT Circular 8/2013)
Rent & Payment Schedule
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12 Months
Generates receipts and Form 124/12BB specifically for your chosen period.
Optional
Specify when the rent revision started (e.g. month 11 hike or lease renewal):
Matches the exact day your rent is debited from bank or paid.
💡 Per the Indian Stamp Act, 1899, a ₹1 revenue stamp is mandatory only for Cash payments > ₹5,000. Electronic/UPI payments do not require a revenue stamp.
Proof of digital transfer increasingly requested by corporate HR audits.
Landlord's Signature
Property Owner
Appears on monthly rent receipts as the landlord's receipt acknowledgment.
Sign here using mouse or fingertip
Touch or draw smoothly
Click or drag to upload signature image (PNG/JPG)
HRA Tax Exemption Calculator
Old Tax Regime
Exemption is the least of 3 statutory conditions under Section 10(13A) read with Rule 2A.
Rule 1: Actual HRA Received₹0
Rule 2: 50% (Metro) / 40% (Non-Metro) of Basic+DA₹0
• Deduction Timing: Deduct in the last month of FY (March) or the last month of tenancy.
• Form 26QC Deadline: Deposit challan within 30 days of deduction (by 30th April).
• Form 16C: Issue TDS certificate to landlord within 15 days of filing 26QC. No TAN required.
CBDT Circular 8/2013: Annual rent exceeds ₹1,00,000. Landlord PAN is mandatory for claiming HRA exemption (or submit a Landlord Declaration if PAN is not held).
✨ 100% Free • All 12 Monthly Receipts + Form 12BB + Landlord Declaration in one ZIP
Why Choose HRAPack?
Everything you need for hassle-free HRA compliance, built with your privacy in mind.
100% Private
All processing happens in your browser. We never see, store, or transmit your financial data.
Complete Tax Kit
12 sequential rent receipts, Form 12BB, and landlord declaration letter — everything your HR department needs.
Smart Calculator
Real-time HRA exemption calculation using the official 3-rule formula under the Old Tax Regime.
Instant Generation
Generate and download your complete HRA document pack in under 10 seconds. No sign-up required.
Mobile Friendly
Works perfectly on phones and tablets. Generate receipts on the go.
Save ₹50,000+
Maximize your HRA tax exemption. Most salaried employees save ₹30,000–₹70,000 annually.
How It Works in 3 Simple Steps
Generate your complete corporate HR compliance kit in under 60 seconds without sharing your phone number.
1
Enter Salary & Rental Info
Input your Basic Salary, HRA received, monthly rent, city category (Metro vs Non-Metro), and landlord particulars.
2
Live Tax Calculation & Preview
View exact tax exemption computed via the statutory 3-rule formula. Check real-time previews of rent receipts and pre-filled Form 12BB.
3
Download Free Compliance Pack
Download individual monthly receipts or one clean ZIP containing all 12 sequential monthly receipts, Form 12BB, and Landlord Declaration.
Income Tax Act, 1961
Official HRA Exemption Rules Guide
Statutory provisions every salaried Indian taxpayer must know when claiming House Rent Allowance under Section 10(13A).
The Statutory 3-Rule Formula (Rule 2A)
Your exempt HRA is calculated as the minimum of the following three statutory values:
1.Actual HRA Received: Total House Rent Allowance paid by your employer.
2.50% or 40% of Salary: 50% of Basic+DA if residing in Mumbai, Delhi, Kolkata, or Chennai; 40% of Basic+DA for all other cities (including Bengaluru, Hyderabad, and Pune).
3.Rent Paid minus 10% of Salary: Total actual rent paid during the year minus 10% of your annual Basic Salary + Dearness Allowance.
Key Compliance Thresholds for Salaried Employees
✓Annual Rent > ₹1,00,000: Landlord PAN is legally mandatory (CBDT Circular 8/2013). If landlord lacks a PAN, submit the Landlord Declaration Form.
✓Monthly Rent > ₹50,000: Under Section 194-IB, tenant must deduct 2% TDS (reduced from 5% w.e.f Oct 1, 2024) and file Form 26QC.
✓Cash Payments > ₹5,000: Revenue stamp of ₹1 is required under Indian Stamp Act, 1899 only for Cash transactions. Digital UPI/Bank transfers need no revenue stamp.
✓Old Tax Regime Only: Section 10(13A) HRA exemption is exclusively available under the Old Tax Regime. The New Tax Regime (Section 115BAC) disallows HRA exemptions.
Complete Tax Kit
Specialized HRA Tools & Legal Guides
Explore dedicated walkthroughs, legal formats, and instant statutory document generators.
Form 12BB Generator & Guide
Learn how to furnish Section 192 investment declarations under Rule 26C. Auto-fill the HRA schedule with your rental amounts in one click.
Understand the Indian Stamp Act, 1899 statutory limits. Learn why digital payments (Google Pay, PhonePe, NEFT) do not require a physical revenue stamp.
House Rent Allowance (HRA) is a component of salary provided by employers to help employees meet rental expenses. If you are a salaried employee receiving HRA, live in a rented accommodation, and pay rent, you can claim partial or full HRA exemption under Section 10(13A) of the Income Tax Act. This exemption is available only under the Old Tax Regime.
If your annual rent exceeds ₹1,00,000 (₹1 lakh), you must provide your landlord's PAN to your employer. If the landlord does not have a PAN, a signed declaration from the landlord (which HRAPack generates for you) must be submitted.
Yes. Rent receipts generated by HRAPack contain all statutory particulars required by employers and the Income Tax Department — tenant and landlord legal names, rental premises address, rent amount in words & numbers, PAN quotation, revenue stamp placeholder, and landlord signature. (Disclaimer: Not formal tax or legal advice; acceptance is subject to your employer's internal payroll audit policies).
Form 12BB (and its successor Form No. 124 under Rule 205 of the Income-tax Rules, 2026) is the official statutory declaration that salaried employees submit to their employer to claim tax deductions. It itemizes your HRA claim, landlord particulars, and landlord relationship. HRAPack automatically generates Form 124 for FY 2026-27+ or Form 12BB for FY 2025-26.
HRA exemption is the minimum of three amounts: (1) Actual HRA received from employer, (2) 50% of salary for metro cities or 40% for non-metro, and (3) Rent paid minus 10% of salary. Salary here means Basic + Dearness Allowance.
No. Under the default New Tax Regime (Section 115BAC), House Rent Allowance (HRA) exemption under Section 10(13A) is not allowable. To claim HRA tax exemption, you must opt for the Old Tax Regime when submitting your investment declaration to your employer and filing your Income Tax Return.
Yes. Under Section 194-IB of the Income Tax Act, an individual paying monthly rent exceeding ₹50,000 must deduct TDS at 2% (reduced from 5% effective October 1, 2024 by the Finance (No. 2) Act, 2024). You do not need a TAN; you can deduct TDS in the last month of the financial year (or tenancy) and deposit it using your PAN through Challan Form 26QC within 30 days.
Under the Income-tax Rules, 2026 (effective FY 2026-27 / AY 2027-28), 8 metropolitan urban areas qualify for the 50% salary threshold: Delhi-NCR, Mumbai-MMR, Kolkata, Chennai, Bengaluru, Hyderabad, Pune, and Ahmedabad. For FY 2025-26 and earlier years under legacy Rule 2A, only 4 cities (Mumbai, Delhi, Kolkata, Chennai) qualify for 50%, with Bengaluru and Pune treated as 40%. HRAPack auto-applies the exact rate based on the financial year you select.
Parents: Yes, provided you do not co-own the property, execute a formal rental agreement, make rent payments via bank transfer, and your parents declare this rental income in their annual Income Tax Return (ITR).
Spouse: High risk of disallowance. Income Tax authorities and appellate tribunals frequently disallow HRA claims for rent paid to a spouse, viewing spouses as having a shared household rather than an arm's-length commercial tenancy. Form 124 explicitly requires disclosing your relationship with the landlord.
Under Schedule I (Item 53) of the Indian Stamp Act, 1899, an adhesive revenue stamp of ₹1 is mandatory only when rent exceeding ₹5,000 is received in Cash. For payments made digitally via UPI, IMPS, NEFT, RTGS, or Cheque, electronic bank trails serve as legal proof and no physical revenue stamp is required by law.
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HRA Submission Checklist
Everything your HR / Payroll team needs
Your documents have been downloaded. Before uploading to your corporate HR portal (Workday, Darwinbox, ZingHR, etc.), ensure you verify this checklist:
1
12 Monthly Rent Receipts: Signed by your Landlord (or using the digital signature if permitted by company payroll guidelines).
2
Form 124 / Form 12BB: Must be signed by YOU (the employee) on the declaration line before submission.
3
Landlord PAN Copy: Mandatory if annual rent exceeds ₹1,00,000. If no PAN held, attach the signed Landlord Declaration included in your pack.
4
Rent Agreement & Bank Records: Keep a copy of your registered rental agreement and bank / UPI passbook debit statements handy for verification.
Section 194-IB TDS Reminder: Since monthly rent > ₹50,000, tenant must deduct 2% TDS and submit Challan Form 26QC receipt.