House Building Advance Calculator for UGC Teachers
Under the Central Government HBA Rules 2017 the advance is up to 34 months' basic pay or ₹25 lakh, whichever is less; universities follow their own HBA rules.
Important: Government rules, allowances and rates change from time to time. Before taking a final decision or making a claim, confirm the figures with the latest official order, notification or rules of the department concerned.
📄 Rules & sources ⚠️ 2 not yet verified
📄 Rule basis
- MoHUA HBA Rules 2017 (09.11.2017) — dot.gov.in
- MoHUA OM — HBA interest 7.10% for 2026-27 (13.05.2026) — www.mohua.gov.in
🔎 Source
⚠️ Not yet verified from an official order — confirm with your university before relying on it
- House Building Advance interest: not filled in — Central Government employees: 7.10% for 2026-27 (MoHUA OM 13.05.2026). Universities give HBA under their own rules — enter your university's rate. · Check here: Ministry of Housing & Urban Affairs
- House Building Advance — 34 months' basic pay, up to ₹25 lakh: 34 × basic, ≤ ₹25,00,000 — Central Government HBA Rules 2017; universities give HBA under their own rules. · Check here: Ministry of Housing & Urban Affairs
How it works
You enter: Basic pay, Cost of house, Advance wanted, Interest. The result updates as you type. It also uses House Building Advance interest; House Building Advance — 34 months' basic pay, up to ₹25 lakh — not yet confirmed from an official order for university teachers (⚠️), so check these with your university.
Frequently asked questions
How much House Building Advance can I get?Under the Central Government HBA Rules 2017: up to 34 months' basic pay or ₹25 lakh, whichever is less, repaid in 180 monthly instalments of principal and then 60 of interest. Universities may run their own scheme.
Are these figures official?They follow the orders listed under Rules & sources on this page. Values marked ⚠️ are not yet confirmed from an official order. For a final figure, rely on your finance office and the order itself.