I have HRA of 5 lacs but not able to save anything as my rent is only 8000 rs/momth.
How to save maximum. Kindly suggest or give some perso(CA) contact number who can do something in this.
Working location - Indore

Posting as :
works at
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Do you have pan card of your parents? Are they earning?

We are already showing theirs income around 3-4 lacs for tax planning.
My home is in different state and I work in different state

Great. Thanks

Either have an agreement with your parents and send them the amount so that you'll have a proof. But the issue is for that 5L, your parents would be liable to pay tax. So one way or another someone has to pay it . And since your parents are already paying tax, you can just use the new regime and chill a bit instead of trying to save some money!

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Additional Posts in InHand Salary and Tax Calculation

How much in- hand salary can I expect if I have 17.5 as CTC -
Basic 7,00,000
HRA 3,50,000
Employee Engagement Bonus 42,000
Benefits plan 4,09,080
PF 84,000
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Hi guys 👋🏻
This is regarding the interest amount of our EPF.

For you guys,is the interest details showing any amount in the EPFO member passbook? Or is it showing '0' like me(As seen in the photo below)?

Is the government yet to credit the interest amounts of our PF balances? Or is something wrong with my PF account only?

Any inputs will be really appreciated 🙂

Post Photo

I have got an offer from LTI, They gave me what I asked, but it has variable portion which I didn't realise that time. Now I have another offer which is 20% higher than what LTI offered me. So I am thinking whether I need to discuss for counter them to match with the offer which I have in hand? Please advise.


This may help u

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What's the inhand salary calculation for below 2 offers(after tax)

1. 34 LPA fixed pay ( both employer and employee PF included) 12% of Basic. Total 3.2 LPA in PF deduction.

2. 36.5 LPA fixed pay ( employee pf 12% of basic and employer PF is 1800 )

My Deductions are
1. 1.5 lakhs 80c
2. 50k 80ccd
3. HRA - 22k p.m.


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Basic 44,208
House Rent Allowance 22,104
Special Allowance 20,304
Total Monthly (A) 86,617
Total Monthly Annualised (B) 10,39,400
Provident Fund _ 21,600
Total Annualised (C) 21,600
Total Fixed Annual Gross Salary (B + C) 10,61,000
Gratuity 25,505
Mediclaim Insurance _13,588
Total of Section B 39,093
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