HRA & LTA Exemption Claims
House rent allowance and leave travel concession under the old regime
- 1ComputeExemptions worked out.
- 2DocumentProofs organised for employer and ITR.
- 3ClaimThrough payroll or in the return.
Share your details. We’ll reply on WhatsApp with the next steps and a checklist.
Pick a plan — the fee is adjusted if you hire us within 30 days.
About HRA & LTA Exemption Claims
A clear overview, in simple terms — what it is, why it matters, and how we handle it.
HRA is exempt up to the lowest of actual HRA, rent paid minus 10% of salary, and 50% of salary in eight cities (Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad, Pune, Ahmedabad from FY 2026-27) or 40% elsewhere. LTA covers travel fare for you and your family for two journeys in a four-year block — the current block runs 2026 to 2029. Both are available only in the old regime.
The 2026 Rules expanded the 50% HRA cities, which raises the exemption for many employees in Bengaluru, Hyderabad, Pune and Ahmedabad — but only if the old regime still beats the new one for them.
LTA covers the fare of the shortest route for domestic travel only, not hotel stays or foreign trips, and an unused journey can be carried into the first year of the next block.
| HRA 50% cities (FY 2026-27) | Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad, Pune, Ahmedabad |
|---|---|
| Landlord PAN | Needed if rent exceeds ₹1 lakh a year |
| LTA | 2 journeys in the 2026–2029 block, domestic fare only |
| Regime | Old regime only |
Who this is for
Common scenarios where this service is a good fit.
- Employees in rented homes
- Employees travelling with family in India
- Employees comparing regimes
What you get
Clear deliverables so you know exactly what's included.
- HRA and LTA computation
- Document checklist
- Employer submission guidance
- ITR filing
Expert review before every submission — not just data entry.
Working notes and reconciliations you can rely on in future notices.
Resident Indians, NRIs, expats and cross-border businesses — all served.
Documents required
A practical checklist. We'll tell you if anything else is needed based on your case.
* This is a base checklist. After a quick pre-check, we may ask for additional items specific to your case.
Process
A simple, trackable workflow — designed to avoid back-and-forth.
Exemptions worked out.
Proofs organised for employer and ITR.
Through payroll or in the return.
Get a quote
We share a clear quote on WhatsApp after a quick checklist pre-check.
- Fixed quote on WhatsApp after a short look at your facts and documents.
- Government fees, if any, are paid at actuals and shown separately.
| Factor | DIY | Indus Tax |
|---|---|---|
| Expert review | ❌ | ✅ |
| Notice risk reduction | ❌ | ✅ |
| Deduction optimisation | ❌ | ✅ |
| Audit-ready records | ❌ | ✅ |
| AIS/26AS reconciliation | ❌ | ✅ |
Share your facts and deadline. We'll reply with the right checklist and a clear quote.
Fee adjusted against our service fee if you go ahead within 30 days.
- Priority CA Call-backSkip the queue — a CA calls you within 30 minutes.₹255
- RecommendedCA Consultation (30 min)Talk one matter through properly with a CA.₹755
- In-depth CA Review (60 min)Documents reviewed before the call, written action plan after.₹1,155
Call-backs run Mon–Sat, 9 AM–6 PM IST. Booked outside these hours? We call you first thing the next working morning.
Compare the 3 plansFrequently asked questions
Answers to the most common questions we get.
Official sources
Indus Tax is a private professional services firm and is not affiliated with any government authority. Rules and fees change — we confirm current positions before filing.
