8th Pay Commission HRA Calculator, See the Increase Under Different Fitment Factors

I cannot provide specific calculations or visualizations regarding the 8th Pay Commission, as it has not yet been constituted by the Government of India. As of now, there are no official guidelines, approved fitment factors, or revised HRA structures available.

However, you can use the current 7th Pay Commission structure to understand how House Rent Allowance (HRA) is determined:

Categorization by City: Cities are divided into three categories (X, Y, and Z) based on population density.

HRA Percentages: The current HRA rates are 27% (X cities), 18% (Y cities), and 9% (Z cities) of the basic pay.

Automatic Revisions: These rates are set to increase when Dearness Allowance (DA) crosses certain thresholds (e.g., 50%). Since DA has crossed 50%, the HRA rates are expected to revise to 30%, 20%, and 10%, respectively.

The 8th Pay Commission’s meeting with stakeholders in Kolkata will end today (Friday, July 10, 2026). In all 8th CPC meetings and memorandum submissions, employee bodies have prominently raised demand for increasing house rent allowance (HRA) percentages from the current rates of 30% (X cities), 20% (Y cities) and 10% (Z cities). HRA forms a major chunk of the salary of a central government employee. Once the 8th Pay Commission revises basic salaries of these employees, HRA will also increase as it is given as a percentage of the basic salary. But how much can it increase if HRA rates remain the same and the 8th Pay Commission decides on a 2.0, 2.1, 2.28 or a 2.57 fitment factor?

8th_pay_commission_hra_calculator_see_the_increase_under_different_fitment_factors

HRA in 7th Pay Commission

In the 7th Pay Commission, the ranges for HRA were 27% (X), 18% (Y) and 9% (Z), respectively, which increased to 30%, 20% and 10% after the dearness allowance (DA) reached 50% in January 2024.

8th Pay Commission: Employee bodies demand higher HRA

Many central government employee bodies have a consensus that the current rates of HRA are inadequate for Group D or C employees as rents are much higher in big cities compared to the HRA amounts these employees get. So, they are demanding that the 8th Pay Commission increase these rates.

Organisation	HRA proposal
AINPSEF	36% (X cities), 24% (Y cities), and 12% (Z cities)
NC-JCM Staff Side memorandum	HRA should continue in three slabs: 40% (X), 35% (Y), and 30% (Z); should be linked with DA increases; HRA should also be extended to pensioners.
AIDEF	HRA should continue in three slabs: 40% (X), 35% (Y), and 30% (Z); should be linked with DA increases; HRA should also be extended to pensioners.
FNPO	40%, 35%, and 30% slabs; should be linked with DA and extended to pensioners.
IRTSA	40%, 30%, 20%, and 10% for different classes of cities; should be linked to DA. HRA rates should increase by 25% whenever DA reaches 25%.

In the table you can see, that most organisations, including National Council – Joint Consultative Machinery (staff side), the main central government employee body, have been demanding a 40% HRA on the higher side, while most of them also want HRA to be merged with DA whenever dearness allowance reaches 25%.

Their logic behind HRA’s merger with DA is that HRA will keep rising every six months if it is aligned with DA since Centre revises DA once in six months.

Why fitment factor is a key player in 8th Pay Commission HRA revision

Since HRA is given on the basis of the basic pay of an employee, a high revised basic pay in the 8th Pay Commission means a high HRA rate.

For example, a Level 1 employee with a Rs 18,000 basic pay gets Rs 5,400 (30% of basic pay) as HRA if they reside in an X category city like Delhi. If the fitment factor is 2.0 and the HRA rate remains at 30%, their revised HRA will be Rs 10,800. However, if the fitment factor is 2.28, the revised HRA will be Rs 12,312.

How HRA of Level 1-10 employees can change at 2.0, 2.1, 2.28 and 2.57 fitment factors in 8th Pay Commission

As per the 7th Pay Commission, Level 1-10 central government employees are from Group D to entry-level civil servants (Group A officers). Their starting basic pay is in the range of Rs 18,000-Rs 56,100.

Bankbazaar presents calculations of estimated revised HRA of central government employees at 2.0, 2.1, 2.28 and 2.57 fitment factors in the 8th Pay Commission.

For X, Y and Z categories, Bankbazaar’s HRA ranges are 30%, 20% and 10%, respectively.

8th Pay Commission: HRA estimates for Level 1-10 employees at 2, 2.1, 2.28 and 2.57 fitment factors

8th Pay Commission HRA estimated for Level 1 (basic pay- Rs 18,000) employees

Fitment Factor	Revised Basic	HRA (X – 30%)	HRA (Y – 20%)	HRA (Z – 10%)
2	₹ 36,000	₹ 10,800	₹ 7,200	₹ 3,600
2.1	₹ 37,800	₹ 11,340	₹ 7,560	₹ 3,780
2.28	₹ 41,040	₹ 12,310	₹ 8,210	₹ 4,100
2.57	₹ 46,260	₹ 13,880	₹ 9,250	₹ 4,630

8th Pay Commission HRA estimated for Level 2 (Basic pay Rs 19,900) employees

Fitment Factor	Revised Basic	HRA (X – 30%)	HRA (Y – 20%)	HRA (Z – 10%)
2	₹ 39,800	₹ 11,940	₹ 7,960	₹ 3,980
2.1	₹ 41,790	₹ 12,540	₹ 8,360	₹ 4,180
2.28	₹ 45,370	₹ 13,610	₹ 9,070	₹ 4,540
2.57	₹ 51,140	₹ 15,340	₹ 10,230	₹ 5,110

8th Pay Commission HRA estimated for Level 3 (Basic pay Rs 21,700) employees

Fitment Factor	Revised Basic	HRA (X – 30%)	HRA (Y – 20%)	HRA (Z – 10%)
2	₹ 43,400	₹ 13,020	₹ 8,680	₹ 4,340
2.1	₹ 45,570	₹ 13,670	₹ 9,110	₹ 4,560
2.28	₹ 49,480	₹ 14,840	₹ 9,900	₹ 4,950
2.57	₹ 55,770	₹ 16,730	₹ 11,150	₹ 5,580

8th Pay Commission HRA estimated for Level 4 (Basic Pay Rs 25,500) employees

Fitment Factor	Revised Basic	HRA (X – 30%)	HRA (Y – 20%)	HRA (Z – 10%)
2	₹ 51,000	₹ 15,300	₹ 10,200	₹ 5,100
2.1	₹ 53,550	₹ 16,060	₹ 10,710	₹ 5,360
2.28	₹ 58,140	₹ 17,440	₹ 11,630	₹ 5,810
2.57	₹ 65,530	₹ 19,660	₹ 13,110	₹ 6,550

8th Pay Commission HRA estimated for Level 5 (Basic pay Rs 29,200) employees

Fitment Factor	Revised Basic	HRA (X – 30%)	HRA (Y – 20%)	HRA (Z – 10%)
2	₹ 58,400	₹ 17,520	₹ 11,680	₹ 5,840
2.1	₹ 61,320	₹ 18,400	₹ 12,260	₹ 6,130
2.28	₹ 66,580	₹ 19,970	₹ 13,320	₹ 6,660
2.57	₹ 75,040	₹ 22,510	₹ 15,010	₹ 7,500

8th Pay Commission HRA estimated for Level 6 (Basic pay Rs 35,400) employees

Fitment Factor	Revised Basic	HRA (X – 30%)	HRA (Y – 20%)	HRA (Z – 10%)
2	₹ 70,800	₹ 21,240	₹ 14,160	₹ 7,080
2.1	₹ 74,340	₹ 22,300	₹ 14,870	₹ 7,430
2.28	₹ 80,710	₹ 24,210	₹ 16,140	₹ 8,070
2.57	₹ 90,980	₹ 27,290	₹ 18,200	₹ 9,100

8th Pay Commission HRA estimated for Level 7 (Basic pay Rs 44,900) employees

Fitment Factor	Revised Basic	HRA (X – 30%)	HRA (Y – 20%)	HRA (Z – 10%)
2	₹ 89,800	₹ 26,940	₹ 17,960	₹ 8,980
2.1	₹ 94,290	₹ 28,290	₹ 18,860	₹ 9,430
2.28	₹ 1,02,370	₹ 30,710	₹ 20,470	₹ 10,240
2.57	₹ 1,15,390	₹ 34,620	₹ 23,080	₹ 11,540

8th Pay Commission HRA estimated for Level 8 (Basic pay Rs 47,600) employees

Fitment Factor	Revised Basic	HRA (X – 30%)	HRA (Y – 20%)	HRA (Z – 10%)
2	₹ 95,200	₹ 28,560	₹ 19,040	₹ 9,520
2.1	₹ 99,960	₹ 29,990	₹ 19,990	₹ 10,000
2.28	₹ 1,08,530	₹ 32,560	₹ 21,710	₹ 10,850
2.57	₹ 1,22,330	₹ 36,700	₹ 24,470	₹ 12,230

8th Pay Commission HRA estimated for Level 9 (Basic pay Rs 53,100) employees

Fitment Factor	Revised Basic	HRA (X – 30%)	HRA (Y – 20%)	HRA (Z – 10%)
2	₹ 1,06,200	₹ 31,860	₹ 21,240	₹ 10,620
2.1	₹ 1,11,510	₹ 33,450	₹ 22,300	₹ 11,150
2.28	₹ 1,21,070	₹ 36,320	₹ 24,210	₹ 12,110
2.57	₹ 1,36,470	₹ 40,940	₹ 27,290	₹ 13,650

8th Pay Commission HRA estimated for Level 10 (Basic pay Rs 56,100) employees

Fitment Factor	Revised Basic	HRA (X – 30%)	HRA (Y – 20%)	HRA (Z – 10%)
2	₹ 1,12,200	₹ 33,660	₹ 22,440	₹ 11,220
2.1	₹ 1,17,810	₹ 35,340	₹ 23,560	₹ 11,780
2.28	₹ 1,27,910	₹ 38,370	₹ 25,580	₹ 12,790
2.57	₹ 1,44,180	₹ 43,250	₹ 28,840	₹ 14,420

Source: https://economictimes.indiatimes.com

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