HRA related query

Hi Nish*t,

Your mother can claim benefit of Housing Loan, interest since it is joint property and your mother should have income to claim the same.

Your employer shoud grant exemption of HRA to you. you show them that i am not residing with my mother, but residing in rented premises which has proper executed agreement and rent payment receipt.

 Also before taking benefit of HRA, please analyse the option of not taking the benefit of HRA and continue to claim the benefit of Interest and Housing loan repayment. 

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Dear Nish*t,

U can claim HRA as well as Housing Loan repayment and Interest benefit together.......provided u actually stay in rented premises and pay rent!!!

as stated abv.... ur mother can claim HSG loan repayment and interest........and u can also claim HRA!!!

Agree with Gita Iyer.........

You can claim both HRA and Housing loan Interest  deduction....

You can claim HRA showing rent receipt and copy of rent agreement a

nd as well as Housing Loan repayment and Interest benefit

This is completely lawful

Thanks a lot Hitesh, Gita, Balaji and Anshika for your valuable inputs.

I have also tried to dig more on this and it seems that its bit complex to get HRA exemption when you own house in the same city. What i have concluded is that If one claim HRA inspite of owned house in the same city then it can lead A.O. to scrutinize your return and he may ask for further supportings and stuffs and it means unnecessary hassle. There are more chances with the fact in my case that i have not taken HRA exemption in my last two return and was taking housing loan benefits.

Your guidance and input in what i have conluded would be highly appreciated. Should i go for HRA exemption after considering all this?
 

Any guidance/response to my last post please?