Compendium of the House Building Advance(HBA) Rules

File No.- PP-28/1/2022-PAP-DOP

भारत सरकार / Government of India

संचार मंत्रालय / Ministry of Communications

डाक विभाग / Department of Posts

डाक भवन, संसद मार्ग,

नई दिल्ली / New Delhi-110001.

Dated: 29.12.2025.

To

1. All Chief Postmasters General / Postmasters General

2. Chief General Manager, BD Directorate / Parcel Directorate / PLI Directorate

3. Director, RAKNPA / GM, CEPT / Directors of All PTCs

4. Addl. Director General, Army Postal Service, R.K.Puram, New Delhi

5. All General Managers (Finance) / Directors Postal Accounts / DAP

Sub: Compendium of the HOUSE BUILDING ADVANCE (HBA) Rules - reg.

Sir/Madam,

I am directed to forward herewith the copy of Ministry of Housing and Urban Affairs OM No. I-17011/13/2024-H.III (e-9185300) dated 06.08.2025 on the subject cited above for information and necessary action.

मुझे ऊपर उद्धत विषय पर आवास एवं शहरी कार्य मंत्रालय के कार्यालय ज्ञापन संख्या I-17011/13/2024-H.III (e-9185300) दिनांक 06.08.2025 की एक प्रति सूचना और आगे की आवश्यक कार्यवाही के लिए अग्रेषित करने का निर्देश दिया गया है।

Digitally signed by

Gurvinder Singh

Date: 29-12-2025

12:55:20

सहायक महानिदेशक (पीएपी)

Assistant Director general (PAP)

Encl: As above

Copy for information and necessary actions:-

प्रतिलिपि सूचना एवं आवश्यक कार्यवाही हेतु :

1. PPS to Secretary (Posts) / PS to Director General Postal Services

2. PPS/ PS to Addl. DG (Co-ordination)/ Member (Banking)/ Member (O)/ Member(P)/ Member (Planning & HRD)/ Member (PLI)/ Member (Tech)

3. Additional Secretary & Financial Adviser

4. Sr.DeputyDirectorGeneral(Vigilance)&CVO / Sr. Deputy Director General (PAF)

5. Director General P&T (Audit), Civil Lines, New Delhi

6. Secretary, Postal Services Board/ All Deputy Directors General

7. Chief Engineer (Civil), Postal Directorate

8. All other Sections of Postal Directorate

9. All recognized Federations/ Unions/ Associations

10. GM, CEPT for uploading the order on the India Post web site

11. Guard File

COMPENDIUM OF HOUSE BUILDING ADVANCE (HBA) RULES AND FAQs

INDEX / TABLE OF CONTENTS

1. Introduction - Page 1

2. Purpose - Page 1

3. Eligibility - Page 2

4. Cost Ceiling Conditions - Page 2

5. Amount of Advance - Page 3

6. Repayment Capacity - Page 4

7. Applicable Rate of Interest and Methodology of Recovery - Page 4

8. Disbursement - Page 5

9. Recovery of HBA - Page 6

10. Mortgage and Creation of Second Charge - Page 7

11. Insurance - Page 8

12. Migration - Page 8

13. Repayment (for loans already taken from other sources) - Page 9

14. Reconveyance Deed - Page 9

15. Maintenance of Property - Page 10

16. Order of Priorities for Sanction of HBA - Page 10

17. Grant of HBA to Employees under Suspension - Page 11

18. Other Extant Rules - Page 11

19. Appendix A – Information Required in Cases of Relaxation/Condonation of HBA Terms - Page 13

20. Appendix B – List of Documents Required for Condonation/Relaxation Cases - Page 14

21. O.Ms and Orders pertaining to HBA - Pages 15-85

 • Clarification (Para 2(i) of O.M dated 09.11.2017) regarding House Building Advance - Pages 16-21

 • House Building Advance Rules-O.M dated 09.11.2027 - Pages 22-26

 • Liberalization of House Building Advance scheme for Central Govt. Employees - Page 27

 • Non-Practicing allowance for medical post-inclusion in basic pay for HBA-clarification - Page 28

 • Rate of interest on HBA (F.Y. 2025-26) - Pages 29-30

 • Rules to regulate the grant of advance-calculation of interest - Pages 31-32

 • HBA-repayment of advances-date of commencement of repayment - Page 33

 • Rules to regulate advances-procedure for recovery of advance against gratuity/death-cum-retirement gratuity - Pages 34-35

 • Grant of HBA -recovery of advance and interest accrued thereon - Page 36

 • Recovery of HBA from those who are absorbed in Central Autonomous/Statutory bodies - Page 37

 • Stamp-duty on Mortgage Deed and Deed of Reconveyance executed by Central Govt. Employees under scheme of HBA-exemption of - Pages 38-39

 • Interest bearing advances/Seventh Central Pay commission recommendation on migration of existing employees who have already taken home loans from banks/other financial institution - Pages 40-43

 • Grant of HBA to enable repayment of loans - Pages 44-45

 • Financing of ‘Ownership Housing Scheme’ of Housing agencies etc. by HUDCO out of funds of Group Insurance Scheme - Page 46

 • Clarification reg. grant of HBA to enable repayment of loan - Page 47

 • HBA Rules- Reconveyance of properties after the advance, with interest, has been recovered - Pages 48-70

 • Revival of HBA - Pages 71-72

 • Grant of HBA-Order of priorities - Page 73

 • Release of instalments of advance to officials under suspension - Page 74

 • Release of instalments of advance to officials under suspension after obtaining collateral security - Page 75

 • Small family norms in HBA - Pages 76-77

 • Liberalization of HBA - Pages 78-79

 • Insurance of houses/flats constructed or acquired with help of HBA-condonation of the period of non-insurance - Pages 80-83

 • Compliance with the terms and conditions attached with sanction of HBA (O.M. dated 03.10.2024) - Pages 84-85

 • Compliance with the terms and conditions attached with sanction of HBA (O.M. dated 09.01.2003) - Pages 86-91

25. FAQs - Pages 86-91

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