House Building Advance Calculator for Himachal Pradesh 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.
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; Central Government allowances (CEA, tour and transfer TA, LTC, house building advance) — not yet confirmed from an official order for university teachers (⚠️), so check these with your university.
What applies to Himachal Pradesh UGC teachers: verified rules
Covers: Faculty, Librarians and Physical Education staff of Himachal Pradesh Government Degree and Sanskrit Colleges, HP University and Sardar Patel University. Basis: UGC Academic Levels 10–14 adopted by Himachal Pradesh Higher Education notification No. EDN-A-Kha(15)-3/2021 of 01.08.2022 (from 01.01.2016, paid from 01.01.2022); pay fixation, increments and DA as for HP State employees
- ✅ Dearness Allowance (DA) — 45% from 01.07.2023
Order: HP Finance (Regulations) OM No. Fin(C)-B(7)-1/2021 dated 15.10.2025 (42% → 45% from 01.07.2023), applied to the teachers by HP Higher Education notification No. EDN-A-Kha(15)-3/2021 dated 01.08.2022, condition 6 · Checked on: 01.11.2026 - ✅ Academic pay matrix, Levels 10–14
Order: HP Higher Education notification No. EDN-A-Kha(15)-3/2021 dated 01.08.2022, Annexure-I (Academic Levels 10–14) · Checked on: 01.11.2026 - ✅ Annual increment 3% — on your own yearly date
Order: HP Civil Services (Revised Pay) Rules 2022, Rule 11 (next increment on the date it would have fallen in the existing scale), applied by HP Higher Education notification No. EDN-A-Kha(15)-3/2021 dated 01.08.2022, condition 1 · Checked on: 01.11.2026 - ✅ Advance increments for M.Phil./Ph.D. under the 7th CPC
Order: HP Higher Education notification No. EDN-A-Kha(15)-3/2021 dated 01.08.2022, condition 5 (incentive increments only on separate orders — none paid yet) · Checked on: 01.11.2026 - ✅ Fitment factor on 01.01.2016
Order: HP Higher Education notification No. EDN-A-Kha(15)-3/2021 dated 01.08.2022 (pay of 31.12.2015 × 2.57) · Checked on: 01.11.2026 - ✅ Vice-Chancellor — fixed pay
Order: HP Higher Education notification No. EDN-A-Kha(15)-3/2021 dated 01.08.2022, condition 11 (₹2,10,000 fixed) · Checked on: 01.11.2026
These rules were checked against the official order; the full list, orders and links are under "Rules & sources".