If my parents live in a government provided house and I live with them (wfh), how can I plan my HRA exemption?

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Hi,

I just want to know a fact , upto which ctc can be adjusted to minimal tax deduction under new slab?
Like 15lpa ,20lpa

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My CTC will be
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FB 7 LPA
Total fix pay - 20 LPA

80c - 1.5 LPA
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Any one please help mi on which tax method will be sutable for me old or new?

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