What are the ways in tcs to get maximum from CTC as in hand salary.

I declared 80c 1.5lac, 25k in 80d. In HRA, they allow me 2 lac approx annual to reimburse. How to get maximum from HRA, though i pay 14.5k rs per month rent?

How to get all bouquet of benefits? Give me aome hack please. They deduct my 45%ctc after all declarations.

I feel bad.