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Home » Tax » Leave Travel Allowance & LTA Tax Benefits
Leave-Travel-Allowance

Leave Travel Allowance & LTA Tax Benefits

by Radhey Sharma

Leave Travel Allowance, LTA, LTA tax benefits, LTC, LTC tax benefit

Leave Travel Allowance or Leave Travel Concession or Leave Travel Assistance (LTA or LTC) is a very powerful weapon given by employers to employees.  It can become a very powerful tax planning tool for you to save your income tax if you put things together well ahead of time. Here are the LTA tax benefits for you.

Investors with a meticulous attitude towards financial planning would have done this already but for the uninitiated, let us understand what this policy or rules in India state, what you can avail and what are its income tax rules.

If you are someone who travels very frequently with your family, then you can plan your travel to take best advantage of the income tax rules.

What is Leave Travel Allowance or Leave Travel Concession?

LTA is an allowance or part of renumeration provided by an employer to an employee to compensate for the travel expenses that the employee or his family incurs in India. Getting reimbursed for your travel by an employer is a great offer so you better not miss it. Also note that LTA is valid only if you travel within India, not outside.

The definition of family is spouse, two children, parents, brothers and sisters who are wholly dependent on you.

It is important to understand what can be claimed and what cannot be – while travel expenses are fine either by rail, road or air, you cannot claim other expenses like lodging, food, sightseeing, porter charges, taxi and auto fares and other sundry expenses you incur when you travel.

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You can claim LTA if you take leave from your company and actually travel. Proof of travel is required for the claim to be made.  It must also be noted that you are the key person who should be travelling so if your family lands in Goa and you don’t, then you cannot claim !

The amount exempted under income tax rules is the amount required to travel to your destination by the shortest possible route, depending on the mode of your travel.

If you travel by air, the maximum amount that can be claimed as exempt is the economy class air fare to your destination by the shortest route. If you travel by rail (or road), the maximum amount that can be claimed as exempt is the air conditioned first class (AC I Class) rail fare to your destination by the shortest route.

Leave-Travel-Allowance

LTA and the Block of Four Years

It is important to understand that the LTA is not linked to when you started your employment. The government of India has fixed a block of 4 years during which LTA or LTC can be claimed twice. These are not fiscal years (April 1 to March 31) but instead calendar years (January 1 – December 31).

The current block is between 2010 – 2013 – what this means is that between January 2010 to December 2013 you can claim LTA twice. But remember that though you can claim LTA twice in these 4 years, in one year, you can travel just once.

Now if you haven’t claimed LTA in a block, you don’t actually lose it – it gets carried over to the first year of the next block. So if you think for a moment, in a block, you actually can claim for three LTAs, one of which is the carried over. The caveat is that the carried over LTA needs to be claimed in the first year of the next block.

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LTA Tax Benefits

The calculation is simple.

If your company gives an allowance of say Rs 75,000 per annum as LTA. And you produce a air fare ticket of Rs 25,000/-, then Rs 25,000 will be exempt from tax. The rest Rs 50,000 will be taxable in your hands depending on which tax bracket you fall into.

Suppose you do not travel at all. In that case the entire LTA will be taxed. Post taxable amount will be credited as part of your salary.

LTA rules for a working couple

This gets a bit interesting. If both the spouses are working, who can claim LTA and to what amount ? Again the rules state that both can claim LTA. So for a working couple, we are talking about 4 LTA claims in a block of 4 years. Needless to say, both cannot claim for the same journey.

But if you observe, they can travel in each year. They don’t have to worry about traveling once every 2 years. If planned well, a working couple can actually enjoy their holidays. This reduces their taxable income each year using LTA tax benefits.

So what are you waiting for ? Instead of paying tax to the government, go and spend some quality time with your family. And save money through LTA tax benefits.


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Reader Interactions

Comments

  1. Rakesh says

    February 6, 2012 at 10:21 am

    Radhey,

    Very nicely explained. I have claimed LTA in the past but the amount is very negligible. Its only travel fare that can be claimed, so unless you have a big joint family you can’t save more. But then whatever you save is also good.
    But i don’t like the rules set by my current employer. They deduct one month’s basic salary in the beginning towards LTA. Why should they deduct my money when they can adjust the same in Jan.

    Rakesh

    • Radhey Sharma says

      February 6, 2012 at 7:52 pm

      @Rakesh, That is a bit strange – change your employer – LOL !

      • Rakesh says

        February 6, 2012 at 8:30 pm

        @Radhey,

        Change my employer, hmmmmmmm, not so easy.
        Never heard about any employer doing this.

        Rakesh

    • Manickkam says

      February 8, 2012 at 9:37 pm

      @Rakesh, Every employer seems to have their own policy. But this one seems to be very strange and unheard of to me!

      • Rakesh says

        February 8, 2012 at 10:24 pm

        @Manicckam,

        Yes its strange. When i asked the HR they told me their Auditors advised the same and guess who are the Auditors, none other than PWC.

        Rakesh

        • Radhey Sharma says

          February 9, 2012 at 6:58 pm

          @Rakesh, LOL !!

  2. Sudip D says

    February 7, 2012 at 12:15 am

    Heard or used this concept when my father used to work in a nationalised bank.

    Do private companies too provide this facility?

    • Radhey Sharma says

      February 7, 2012 at 7:47 am

      @Sudip D, Yeah – check your offer letter please and don’t let it go waste.

      • Sudip D says

        February 7, 2012 at 6:39 pm

        @Radhey Sharma, Hmmm… ok.

    • Manickkam says

      February 8, 2012 at 9:39 pm

      @Sudip D, This one is something related to your tax and if the company doesn’t give you, you can claim it from the tax department directly while filing taxes.

      Few companies don’t support 80GG certificates, even though they are tax deducted. But we can claim tax refund while filing the returns.

      • Sudip D says

        February 8, 2012 at 10:02 pm

        @Manickkam, Hmm.. Thanks for the info.

      • Radhey Sharma says

        February 9, 2012 at 6:57 pm

        @Manickkam, I did not realize that companies might not offer 80GG benefits !

        • Manickkam says

          February 9, 2012 at 7:03 pm

          @Radhey Sharma, Yes Radhey, there are few companies who don’t offer 80GG benefits except for few charity organisations. They wouldn’t accept even a valid 80G certificate from CRY organisation, for example.

          For charity purpose, one can donate to the organisation mentioned through HR alone and get the tax benefit. Otherwise, we can get the tax refund. This is of course only in few companies.

          • Rakesh says

            February 11, 2012 at 8:34 pm

            Yes, even my organization does not offer 80CG benefits, i have to show the same while filing my returns and claim refund. Not sure why companies do this.

            Rakesh

  3. Darshan says

    February 7, 2012 at 12:45 am

    Hello sir, i just completed engineering and got job. I can save 3000/- Rs per month where should i invest them? I don’t know this investing stuff that much. So i prefer more security of money

    • Radhey Sharma says

      February 7, 2012 at 7:46 am

      @Darshan, Do you have a contingency fund ? If not, please form it and then start investing.
      Where to invest depends on what you are investing for – as I do not know that, I cannot really answer.

    • Rakesh says

      February 7, 2012 at 9:07 am

      @Darshan,

      If you don’t know investing stuff then you are at the right place.
      Radhey has written some great articles on financial planning. Do read them and you will gain knowledge.

      Rakesh

    • Manickkam says

      February 8, 2012 at 9:40 pm

      @Darshan, You are at the right place. It depends on your risk appetite and your goals. Identify your needs and invest in the avenues according to your risk profile and reap the benefits.

    • Vivek K says

      February 9, 2012 at 1:24 pm

      @Darshan, I think first of all everyone should congratulate you that you are thinking of investing money at such a young age. You should encourage your friends to do the same.
      I am assuming that you don’t have financial dependents as of now, hence you can look to invest your money for long term [5-10 years] in equity MFs via SIP. There are plenty of blogs including this one that can teach you about MFs but I advise to go for blogs of independent Certified Financial Planners.
      Also, like Radhey mentioned it correctly start putting some money aside every month towards emergency funds as well. You can look for sweep-in savings account.

      Good luck and Happy investing.

      Cheers!

      • Radhey Sharma says

        February 9, 2012 at 7:10 pm

        @Vivek K, Appreciate your contribution here Vivek.

  4. Yagya says

    March 6, 2012 at 2:12 pm

    Hello Radhey,
    Thanks for Detailed blog on LTA…

    I have a doubt, If i am travelling for 10 different places by Taxi starting from my Home city and back to my home city in a strecth of 7 Days. Assuming that total i spend is 40,000/-
    Now as per the above description, My farthest point would be somewhere around 700 KMs but i actually travelled 2000 KMs. 1st AC travel cost would be around 1600 per person one side..
    Whereas i actually end up in spending 30K in my actual travel…

    So, will i be eligible for claiming 30K or just 1AC fare…

    • Vivek K says

      March 6, 2012 at 7:16 pm

      @Yagya, I don’t think taxi travel qualifies for LTA. It is only rail fare or airfare that qualifies but I am not 100% sure. Radhey can confirm?

      • Radhey Sharma says

        March 7, 2012 at 9:14 am

        @Vivek K, It does qualify. In this case 1st class AC fare would be allowed.

        • Vivek K says

          March 7, 2012 at 9:20 am

          @Radhey Sharma, Thanks Radhey for clarifying this. I need to go back and check my company policy. I thought I read that taxi bills are not allowed to claim the LTA.

        • Rakesh says

          March 7, 2012 at 10:38 am

          @Radhey,

          Thanks for the confirmation, time to go through that route once again.
          Never claimed LTA for the last couple of years.

  5. Rakesh says

    March 6, 2012 at 8:12 pm

    @Yagya,

    I am not sure about the rules now, but i too had claimed LTA the same way you are mentioning five years back. In this case 1st class AC fare would be considered. For eg. if you travel from Chennai to Delhi and then roam about to other cities, i think you can claim 1st class AC fair from Chennai to Delhi. I had claimed on similar grounds.
    But lets hear from other experts.

  6. Rakesh says

    March 11, 2012 at 10:35 am

    What are your views on the medical bills re-reimbursement of Rs. 15,000 that we get. Don’t you think in today’s world this amount is peanuts and the government should increase the same.

    • Vivek K says

      March 11, 2012 at 11:55 am

      @Rakesh, Is it reimbursement or tax exemption?

  7. Rakesh says

    March 11, 2012 at 12:01 pm

    @Rakesh,

    Tax exemption, sorry i did not frame my question correctly.

    • Vivek K says

      March 11, 2012 at 12:05 pm

      @Rakesh, Yea I think this tax exemption is too low. If you consider a family with parents and kids 15k would be 3 months expense. It should at least be doubled, let’s see what budget has to say.

  8. Rakesh says

    March 11, 2012 at 12:08 pm

    @Vivek,

    Yes agree with you, i extinguish this amount in 5 months. This limit has been for so long and at least they should think of doubling it.

    • Vivek K says

      March 11, 2012 at 1:37 pm

      @Rakesh, Well don’t know if it will happen in this budget. The government is focusing on reducing tax exemptions and promoting only government schemes.

  9. Hari says

    July 16, 2012 at 6:51 pm

    Hi,

    My Employer forgot to include my LTA bill in my form 16. Can I claim file that through my auditor or it should come through Form 16 only.

    Thanks
    Hari.

  10. Rakesh says

    July 16, 2012 at 7:49 pm

    @Hari,

    You can claim it separately through your Auditor/CA. It is not mandatory that LTA should be included in Form 16.

  11. Prasad Rachuri says

    August 11, 2012 at 1:00 am

    Hi,
    I’m planning to travel to 6 different places in my own car. Are the fuel expenses eligible for claiming under LTA?.
    I have one more question. Does the LTA policy is same for Govt. organizations and private organizations or these are different ?
    Please help me with above two questions.

  12. Rakesh says

    August 11, 2012 at 3:04 pm

    @Prasad,

    I don’t think you can claim fuel expenses under LTA, however if you hire a vehicle then you can get original receipts for the travel. You claim only from start to end point, for. eg. you are traveling from Mum to Goa – Bangalore then you can claim LTA only from Mum – Bangalore.
    Also the LTA policy differs from one employer to other.

  13. Sanjeev says

    October 3, 2012 at 8:08 pm

    I plan to claim LTA this FY (2012-13). Due to some personal reasons, my wife (and infant kid) wants to travel earlier than me, by a week, though we’ll be coming back to the starting point (during return journey) together.

    My question is :
    Can I claim for the LTA amount here ?
    If yes, how much ?

    • TheWealthWisher says

      October 4, 2012 at 7:23 am

      Let me check on this one week thingie.
      As far as the amount is concerned your employer would have offered it in your offer letter – you need to check in there.

  14. Sanjeev says

    October 4, 2012 at 11:45 am

    Thanks for the comments.
    To clarify the question, I want to know if I can claim LTA for me and my wife/kid, FOR BOTH TO AND FRO JOURNEYS, even though they are travelling separately (to the same destination) but coming back to the same starting point together (me, my wife and kid).

    Thanks,
    Sanjeev

    • TheWealthWisher says

      October 10, 2012 at 6:17 pm

      I have confirmed, yes you can do this.

  15. Rakesh says

    October 4, 2012 at 3:58 pm

    I think all should be traveling together. Look at IT rules for LTA.

  16. Sanjeev says

    October 11, 2012 at 10:11 am

    Rakesh,

    Looks like the clause of “all should be travelling together” holds good, if only family is travelling alone, without the employee travelling at-all. If the employee is also travelling, though with some delay (and coming back together), it should not be problem.

  17. Sanjeev says

    October 11, 2012 at 10:25 am

    How about this from the LTC clause :

    ” Family can travel in one or more groups; but each group should complete its return journey within six months from the date of its outward journey “

  18. Rakesh says

    October 11, 2012 at 8:51 pm

    @Sanjeev,

    Thanks for the clarification.

  19. Jenice says

    December 19, 2012 at 11:09 am

    Hi,
    If I don’t claim LTA in a particular year, does the amount get carried forward to the next year? For example, if I do not claim LTA in FY 2012-13. Can I carry forward this amount and club it with my LTA eligibility for FY 2013-14 and claim it together with bills in say Nov 2013.

  20. Rakesh says

    December 20, 2012 at 4:09 pm

    @Jenice,

    You can claim LTA only twice in four calender year. The current cycle is 2010 – 2014.

  21. Dharmesh says

    January 2, 2013 at 3:42 pm

    If I am travelling from Pune to Delhi by train and then while coming back I travel by taxi. I understand from above that 1st AC fare would be reimbusible. But in this case I do not have train tickets from Delhi to Pune. Is this ok If I mention this while claiming .

    • TheWealthWisher says

      January 2, 2013 at 4:23 pm

      You need to produce tickets to claim. I think you will be eligible for taxi fare as well.

  22. Rakesh says

    January 3, 2013 at 4:23 pm

    Taxi fare will be eligible too provided you produce receipts but you will get exemption only on the amount of 1st AC fare. For. eg if the AC fare is 2000 and the taxi fare is 4000 then you will get claim only upto 2000.

  23. Sandeep says

    January 28, 2013 at 7:54 pm

    Hi,

    I had a travel this FY and I am not claiming it becuase I didnt fix my LTA part in the salary strucutre for this year .Can I submit the same bills in the next FY (I can allocate my LTA) with the docs with same old date?

    • TheWealthWisher says

      January 29, 2013 at 7:31 am

      You have to claim by Dec 2013.

  24. Amit says

    March 18, 2013 at 3:32 pm

    Hi,
    what are the documents need to submit while LTA claim, When we are travelling using our personal vehicle then what we suppose to show (petrol bill ????), & when we are visiting to our home town to native place (hotel bill ?????)
    what are the ways by which we can enjoy the & also tax ?????????

    Thanks & Regards,
    Amit

  25. Rakesh says

    March 19, 2013 at 8:21 pm

    @Amit,

    I don’t think petrol bills will do. You need to provide Air/Train tickets.
    However if you rent a vehicle you can show the receipts for that.

  26. Anindita says

    March 30, 2013 at 12:13 pm

    Hi,

    I have not claimed LTA uptill now for this block. However, my employer has been deducting tax and giving me the same with my March salary for the last 2 years including this year 3013. Now I want to claim for 2012 – 13. Is that possible?

  27. Rakesh says

    April 2, 2013 at 4:53 pm

    @Anindita,

    You can claim LTA, when filing your returns just submit the bills to your tax consultant.

  28. KK says

    July 4, 2013 at 2:37 pm

    I was just going through ITR 1 but did not come across any column where I could show my expenses toward the LTC. Can somebody guide me how I can file my return to make this claim
    KK

  29. srimanto says

    July 16, 2013 at 2:11 pm

    How to claim LTA while filing returns?

    • Rakesh says

      July 18, 2013 at 10:03 am

      @Srimanto,

      You can either submit it to your employer or get hold of a tax consultant.

  30. amit says

    July 17, 2013 at 12:56 pm

    I have traveled during Feb end 2013. My company accepted bills till Feb only and therefore I could submit bills to my company for LTA tax exemption. How do i claim tax refund while filing ITR? which are the columns in ITR 1 for the same?

  31. Rakesh says

    July 18, 2013 at 9:59 am

    @Amit,

    Get hold of a tax consultant he will be in a better position to guide you.

  32. Nagendra kamath says

    September 16, 2013 at 5:16 pm

    Hi,
    Our company clubs our LTA across every 2 years and credits the LTA amount once every two year in the month of Jan if not claimed . I did a travel in Jan 2013 and did not submit the bill , as i was hoping that i may travel again ( which may cost me more )

    Do you think there is problem if i submit the bill now ( Sep 2013) . The company has my two years LTA amount with them .

    Is it proper for my company to say that , i must have submitted the bills by March 2013 , even when they have my entire LTA amount for last two years ?

    Should i be able to submit the LTA bills anytime from Jan to Dec for travel conducted in this calender year 2013 or does March 2013 ( financial year end ) matter ?

    • Rakesh says

      October 12, 2013 at 10:54 pm

      @Nagendra,

      Many organization has different policies on LTA. If your company is not allowing you to claim LTA now, you don’t have to worry. When you file returns you can always claim then and get a refund.

  33. Vinod says

    December 23, 2013 at 12:06 pm

    Hi,
    If the travel commenced on March 29th 2013 and Ended on 8th April 2013. Whether full amount has to be considered in financial year 2013-14 or onward has to be considered in FY-2012-13 ?.
    Regards
    Vinod

  34. Husain says

    December 14, 2014 at 10:43 am

    I am planning to take LTC home town for the first time. My hometown is in UP and nearest air port is Dehradun (about 90 km) while other air port is Delhi (about 200km). My headquarter is hyderabad. Please let me know through which route I should book the tickets. Is there any website where we can get information on shortest route?
    Thanks.

  35. Ruchi says

    January 14, 2015 at 12:32 pm

    I have 2 queries
    1. can the LTA amount be clubbed for 2 years & claimed.
    2. An employee has joined in July 13 & claims LTA in Feb 14, will he claim the Total annual LTA or only as much accrued on pro-rata basis.

  36. APURBA KUNDU says

    January 23, 2015 at 12:31 pm

    what is the minimum Eligibility for factory employee of limited engineering works working since last five year and above

  37. sumit kumar says

    April 2, 2015 at 1:42 pm

    LTA is deducting from my salary of INR 72000 however, i don’t have any plan for leave in this year.
    when i can expect my LTA part back into my account as a salary after deducting tax.
    Please reply

    Thanks
    Sumit

  38. Vivek Raj says

    June 6, 2015 at 3:49 pm

    Hey, Can you tell me if i can claim taxi fare under LTA. I mean if i travel to a place by flight and then take a taxi to travel to another location and do some local sight seeing. Can this be claimed under LTA?

  39. RUPESH MEHANI says

    September 22, 2015 at 10:13 am

    Sir,
    Me and my wife are Cntrl Govt Servant and posted in different states (I’m posted at Kanpur, UP in Ordinance Factory & My wife posted at Panjim, GOA in Kendriya Vidyalaya, with 2 children. Can I avail yearly/special LTC to visit my family at Goa? Our hometown is same kanpur. If YES, under which rules please provide the details ? Thanks

  40. Aparna says

    April 18, 2017 at 12:17 pm

    i joined my organisation on January 4th 2016 and left the job on 14th December 2016. My previous organisation is not ready to settle the amount claiming that I have a few more days to complete a year. It sounds unreasonable for me. Please help

    • Madhupam Krishna says

      April 21, 2017 at 9:16 pm

      Hi Aparna… I don’t think there is any rule which says that LTA is payable only after completing one year of service. If this is as per the employer’s service rule and you have signed acceptance than they can stop payment. In that case request/personal relationship with previous organisation will only help.

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