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About this tool
7th Pay Commission HRA for central government employees by X, Y or Z city class, with the DA-linked rate and the section 10(13A) exemption.
This calculator works out House Rent Allowance for a central government employee under the 7th Central Pay Commission: a percentage of the pay drawn in your Level in the pay matrix, set by the city class you are posted in and by how far dearness allowance has risen. Since DA crossed 50% with effect from 1 January 2024, the rates are 30%, 20% and 10% for X, Y and Z class cities, subject to monthly floors of ₹5,400, ₹3,600 and ₹1,800. It then applies Rule 2A of the Income-tax Rules to show how much of that HRA escapes tax under section 10(13A) and how much does not.
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Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
Picks the 24/16/8, 27/18/9 or 30/20/10 slab from the dearness allowance you enter.
Uses the ₹5,400, ₹3,600 and ₹1,800 minimums whenever the percentage falls short.
X/Y/Z decides your allowance; only Delhi, Mumbai, Kolkata and Chennai get the 50% tax cap.
30% of basic pay in X class cities, 20% in Y class and 10% in Z class. These raised rates took effect once dearness allowance crossed 50%, which happened with effect from 1 January 2024. Before that the rates were 27%, 18% and 9%, and originally 24%, 16% and 8% under the 7 July 2017 order.
₹5,400 a month in an X class city, ₹3,600 in Y class and ₹1,800 in Z class. These floors come from the Department of Expenditure order of 7 July 2017 and equal 30%, 20% and 10% of the minimum pay of ₹18,000, so they mainly protect employees at the bottom of the pay matrix.
X class covers urban agglomerations with a population of 50 lakh and above, Y class covers 5 lakh to 50 lakh, and Z class is everything below. The binding list is the one notified by the Department of Expenditure using 2011 Census figures, so check your station against that list rather than assuming from population alone.
The least of three amounts under Rule 2A: the HRA actually received, the rent you paid minus 10% of salary, and 50% of salary if you rent in Delhi, Mumbai, Kolkata or Chennai or 40% anywhere else. Salary here means basic pay plus dearness allowance. The exemption exists only under the old tax regime — the default regime under section 115BAC does not allow it.
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