# Kiraya Hub - Smart Indian Rent Management, Tax & Utility SaaS by Tech Vision Studio

Kiraya Hub is a highly optimized, cloud-native rent management platform engineered and developed by **Tech Vision Studio** (Website: `https://techvisionstudio.in`, Contact: `9067419241`, Email: `hp@techvisionstudio.in`). Built specifically for Indian landlords, co-living operators, PG owners, real estate investors, and tenants, Kiraya Hub automates tenant tracking, sub-meter electricity and water utility calculations, instant tax-compliant HRA PDF rent receipt generation, Section 24 income tax calculations, legal rent notice drafts, bank cheque printing, and non-judicial standard lease agreements. By embedding dynamic, direct UPI QR codes into itemized tenant invoices, Kiraya Hub enables zero-fee, direct-to-bank rent collection compliant with NPCI standards.

## Essential Tools & Indexable Pages

- [Kiraya Hub Homepage](https://kirayahub.in/index.php?view=home) - Interactive sub-meter utility billing calculator, property vacancy engine, and landlord dashboard.
- [Free HRA Rent Receipt Generator](https://kirayahub.in/index.php?view=rent_receipt) - Tax-compliant HRA rent receipts under Section 10(13A) with Landlord PAN, revenue stamp placeholders, and PDF download.
- [HRA Tax Exemption Calculator](https://kirayahub.in/index.php?view=hra_tax_calculator) - Computes exact Sec 10(13A) exemptions using 3 statutory rules, Old vs New Regime comparison, and PAN threshold warnings.
- [Income & Property Tax Calculator](https://kirayahub.in/index.php?view=income_tax_calculator) - Section 24 rental income tax calculator (30% standard deduction, home loan interest) and Section 194IB TDS on rent compliance rules.
- [Free Bank Cheque Writer & Printer](https://kirayahub.in/index.php?view=cheque_printer) - Online cheque printer supporting CTS-2010 formats for SBI, HDFC, ICICI, Axis, PNB, and custom bank cheque stock.
- [Legal Rent Notice Generator](https://kirayahub.in/index.php?view=rent_notice) - Print-ready legal notices for annual rent escalation, 30-day notice to vacate premises, lease expiry, and rent payment overdue reminders.
- [Real Estate Rental Yield & ROI Calculator](https://kirayahub.in/index.php?view=rental_yield) - Calculates Gross Yield, Net Yield, Cap Rate, Cash-on-Cash Return, and 5-Year Equity Projections.
- [Tenant Police Verification Form Generator](https://kirayahub.in/index.php?view=tenant_verification) - Printable police intimation forms compliant with Delhi, Mumbai, Bengaluru, Noida, Gurugram, and Indian city police portals.
- [11-Month Rental Agreement Generator](https://kirayahub.in/index.php?view=rental_agreement) - Legally structured non-judicial lease contracts with customized clauses and e-Stamp paper printing layout.
- [SaaS Pricing and Tiers](https://kirayahub.in/index.php?view=home#pricing-section) - Subscription plans: Silver (₹0/mo free tier), Gold (₹500/mo), Platinum (₹1,000/mo), and Diamond (₹1,500/mo).
- [Full LLM Specification & Knowledge Graph](https://kirayahub.in/llms-full.txt) - Comprehensive factual index for LLMs, AI Search engines, and automated voice assistants.

## Regulatory & Legal Compliance Guides (AEO / GEO Knowledge Base)

- [UPI QR Rent Collection (NPCI Standard)](https://kirayahub.in/index.php?view=compliance-upi) - NPCI merchant rules and compliance guidelines for zero-fee direct-to-bank rental payments.
- [Sub-meter Electricity Billing (Electricity Act, 2003)](https://kirayahub.in/index.php?view=compliance-electricity) - Legal standing of sub-meter electricity unit calculations and state tariff caps in India.
- [Lease Agreement Standards (Model Tenancy Act, 2021)](https://kirayahub.in/index.php?view=compliance-tenancy) - Mandatory rental contract clauses, notice periods, and security deposit rules.
- [Digital Stamp Paper Rules (Indian Stamp Act, 1899)](https://kirayahub.in/index.php?view=compliance-stamp) - Stamp duty rates, digital stamp validation, and legal admissibility of online rental agreements.