Summary
Section 10(13A) lets a salaried employee in Mumbai claim HRA exemption against rent paid. The cap is 50% of basic salary (metro status), and the exemption is the minimum of HRA received, rent paid minus 10% of basic, and that cap. Typical Mumbai 1BHK rent is ₹40,000/month (₹25,000–₹60,000 range).
Rent in Mumbai
Typical 1BHK
₹40,000/mo
₹25,000–₹60,000 range
Typical 2BHK
₹60,000/mo
₹35,000–₹90,000 range
Source: NoBroker Property Rates Mumbai 2026 · Updated 2026-04-10.
Popular neighborhoods
- Bandra West
- Andheri West
- Powai
- Borivali West
- Lower Parel
Worked HRA example — Software developer (SDE) in Mumbai
- Annual salary (CTC)
- ₹18,00,000
- Basic (≈40% CTC)
- ₹7,20,000
- HRA received (yearly)
- ₹3,60,000
- Rent paid (yearly)
- ₹4,80,000
- Rent − 10% basic
- ₹4,08,000
- 50% of basic (metro cap)
- ₹3,60,000
HRA exempt under Section 10(13A)
₹3,60,000
Illustrative figures only. Your actual exemption depends on your salary structure and rent paid — use the calculator below for your numbers.
Where rent receipts get used in Mumbai
Common employer categories whose HR portals collect rent receipts for Section 10(13A) substantiation:
- Investment banks (BFSI)
- Stock exchanges (NSE/BSE class)
- Media houses & broadcasting groups
- Consulting partnerships (Big 4 + strategy)
- Shipping & logistics MNCs
Generate your Mumbai rent receipt
12-month receipts with landlord PAN, revenue stamp slot, and all 14 mandatory Section 10(13A) fields. ₹7/month or ₹49 for a full year.
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