Thanks for sharing views.
As mentioned by Kenneth Dias, pl. provide the details more about HRA 5%. Because as far as my knowledge, HRA is applicable in certain cases only. It is not applicable as general. for example, in Maharashtra Under the Shop & Establishment HRA 5% is applicable to the establishments who are having more than 50 employees. Like that if you provide more details about the HRA applicability would be helpful to may of us.
Regards