💡 Landlord PAN Rule: If annual rent exceeds Rs 1 lakh, you must provide landlord's PAN to your employer. Pay rent by bank transfer — it creates a paper trail and makes claiming easier while filing ITR.
⚠️ Bangalore, Hyderabad and Pune are Non-Metro for HRA — only 40% of basic applies, not 50%. This is the most common HRA calculation mistake.
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