Thus a person who opts for HRA gets Rs 15000/- per month in hand extra while the one who lives in a shabby accommodation provided by his employer gets poorer by Rs.5000/- per month. The disparity widens as all these calculations are done on the persons basic salary with no consideration whatsoever to the facility provided.
The best approach in this would be that all employers should give HRA to their employees and the employees should be allowed to choose the accommodation either rented or their own. The employers should offer the quarters by declaring their rents.
There are many more such ridiculous rules and stipulations that need to be rationalized.