ITR Filing 2026: Can You Claim Both HRA and Home Loan Tax Benefits? Here's What the Rules Say

ITR Filing 2026 is approaching, and many salaried taxpayers are trying to understand how to maximise their tax savings. One of the most common questions is whether a person can claim both House Rent Allowance (HRA) exemption and home loan tax benefits in the same financial year. This situation is especially common for people who own a house in one city but live in a rented home elsewhere due to work or who have rented out their newly purchased property. Here's a simple guide to the tax rules you should know before filing your return.