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PAHRA received doesn’t automatically mean full HRA exemption.
Your exempt HRA is the lowest of 3 values:
1. Actual HRA received
2. Rent paid minus 10% of basic + DA
3. 50%/40% of basic + DA
That’s why many salaried employees calculate it wrong and end up choosing the wrong tax regime.
Before locking your salary declaration or tax planning, calculate your HRA correctly.
Comment HRA if you want help understanding how much HRA you can actually claim.
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