Rent Receipt Generator: Make HRA Receipts in 1 Minute
Fill in a few details and this free rent receipt generator creates a receipt for every month, ready to print or save as PDF for your HRA claim. Below it, an HRA exemption calculator shows how much of your HRA is actually tax-free. (Rent Receipt Generator)
HRA exemption calculator (Rent Receipt Generator)
A rent receipt only matters if it reduces your tax. HRA exemption is the lowest of three amounts, so paying more rent doesn’t always mean a bigger exemption. Enter monthly figures:
Metro: Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad, Pune, Ahmedabad
Monthly basic + DA Monthly HRA received Monthly rent paid Your tax slabWhat a valid rent receipt must include (Rent Receipt Generator)
- Tenant’s name and landlord’s name
- Full address of the rented property
- Rent amount and the month or period it covers
- Date of payment and how it was paid (bank, UPI, cheque or cash)
- Landlord’s signature
- Landlord’s PAN, if annual rent is more than ₹1 lakh
- A revenue stamp, if a cash payment is more than ₹5,000
HRA claim rules at a glance
| Situation | What you need |
|---|---|
| Rent up to ₹3,000 a month | Many employers accept the claim without receipts. Check your company’s policy. |
| Annual rent over ₹1 lakh (about ₹8,333 a month) | Landlord’s PAN. If the landlord has no PAN, a signed declaration from them saying so. |
| Cash payment over ₹5,000 | Revenue stamp on the receipt, signed across by the landlord. |
| Submitting to your employer | Form 12BB with receipts, usually in January to March. Missed it? You can still claim HRA in your ITR under the old regime, so keep the receipts. |
| Rent paid to parents | Allowed if you really pay them and they own the house. They must show the rent as income in their tax return. Pay by bank transfer to keep a record. |
| Rent paid to your spouse | Risky. The tax department often rejects it as not a genuine arrangement. |
No HRA in your salary? Claim 80GG instead
If you’re self-employed or your salary has no HRA component, you can still claim a deduction for rent under section 80GG (old regime). It’s the lowest of:
- ₹5,000 a month (₹60,000 a year)
- 25% of your adjusted total income
- Rent paid minus 10% of your adjusted total income
You’ll need to file Form 10BA, and you can’t own a house in the city where you live and work.
Rent receipt FAQs
Is a rent receipt made online valid for HRA?
Yes. The format doesn’t matter. What matters is that it has the right details and is signed by your landlord. Print the receipts from this generator and get each one signed.
Do I need the landlord’s PAN for HRA?
Only if the rent you pay is more than ₹1 lakh in the financial year. If your landlord doesn’t have a PAN, ask them for a signed declaration saying so, along with their name and address.
Is a revenue stamp needed on a rent receipt?
A revenue stamp is needed when rent of more than ₹5,000 is paid in cash. For bank, UPI or cheque payments it isn’t needed, though some employers still ask for it.
Can I claim HRA without rent receipts?
Employers often allow claims up to ₹3,000 a month without receipts. Above that you need receipts, and it’s wise to keep a rent agreement and bank records as proof in case the tax department asks.
Can I claim HRA in the new tax regime?
No. HRA exemption and section 80GG are available only under the old tax regime.
Can I pay rent to my parents and claim HRA?
Yes, if the house is owned by your parents and you actually pay them. They’ll need to declare the rent as income. Keep a rent agreement and pay by bank transfer.
Related tools
Sources
- HRA exemption rules and metro list: Income Tax Department
- Rent receipt requirements, PAN and revenue stamp rules: Tax2win (June 2026)
Receipts must reflect rent you actually pay. Making receipts for rent that wasn’t paid is tax evasion and can attract penalties. The HRA calculator is an estimate, not tax advice.
We write practical guides on money, tax, salary, wellness and India news. Rates, rules and dates come from official sources such as RBI, SEBI, the Income Tax Department, India Code and government notifications, linked in each article with the date we last checked them. We don’t accept payment to change what we write.
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