8th CPC Live Context
Level 10 · 7th Basic: ₹56,100 → 8th Basic: ₹1,07,712 (1.92×)
🏗️ House Building Advance (HBA) Loan Calculator
Central Govt HBA @ 7.10% Simple Interest (180 months Principal + 60 months Interest recovery)
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Adjust parameters below for instant 7th & 8th CPC results
Calculated Output
8th CPC Basis
₹0
About this calculator
Central Govt HBA @ 7.10% Simple Interest (180 months Principal + 60 months Interest recovery)
How to use it
- Set your pay level and basic pay in the main salary calculator (it starts at Level 10, ₹56,100). This calculator uses them automatically.
- Choose whether to use your current 7th CPC pay or projected 8th CPC pay with the switch at the top.
- Fill in the boxes below the title. The result and the full breakdown update as you type.
What you enter
- HBA Loan Amount (Max ₹25,00,000)
- Principal Recovery Months (Max 180)
The rule it uses
MoHUA HBA Rules (FY 2026-27): HBA carries 7.10% simple interest (not compound!). Principal is recovered first in up to 180 monthly instalments (15 yrs), followed by simple interest in up to 60 instalments (5 yrs).
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Results are estimates for information only, based on published government rules. Confirm with your DDO, PAO or controlling office.