EaseValueCan I claim HRA and home loan interest at the same time?
I rent a flat where I work but also pay EMI on a home I own elsewhere. Can I claim both in the same year?
1 Answer
C
CA Rajat Agrawal ✓ EaseValue Team
03 Jul 2026
Yes. HRA exemption (for the rented home you live in) and home loan interest (for the property you own) are separate benefits and can both be claimed in the same year, provided the facts are genuine — you actually pay rent where you live and separately own/service the loan on the other property. Keep rent receipts and the lender interest certificate. If both homes are in the same city, be ready to justify why you rent rather than live in your own house.
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