I need help to understand the HRA portion for my offer.

Hi All,

I have recently got an offer from a company with an annual base salary as 19L and the company is giving HRA as 50% of it which turns out to be 9.5L which I think is standard and most companies do this. I also own a flat and moved in recently so not living on a rented flat now.

Now, my question is how others having similar packages & situations are utilising it? Please guide me here.

TIA.