My Exit FileSaved results stay on this device — no login, nothing sent to usStart my exit file

Salary slip format

Build a print-ready payslip with the totals and the amount in words worked out for you — and understand every line on the one you already have.

Salary slip generator

Fill the rows and the slip builds itself, with totals and the amount in words worked out for you. Download as PDF or print it.

Employer and period

Employer name

Employer address

Wage month

Employee

Employee name

Employee ID

Designation

Departmentoptional

Date of joiningoptional

PANoptional

UANoptional

Bank account (last four digits)optional

Never put a full account number on a document you will email.

Days paidoptional

Days in monthoptional

Earnings

Deductions

Your slip

Meridian Technologies Private Limited

4th Floor, Prestige Tower, Bengaluru 560001

Salary slip for September 2026

Employee name:: Ananya Krishnan
Employee ID:: EMP-4821
Designation:: Senior Analyst
Department:: Finance

Days paid: 30 of 30

Earnings and deductions for the month
Earnings	Amount	Deductions	Amount
Basic salary	40,000.00	Provident fund (employee)	3,000.00
House rent allowance	20,000.00	Professional tax	200.00
Conveyance allowance	1,600.00	Income tax (TDS)	2,500.00
Special allowance	14,400.00
Gross earnings	76,000.00	Total deductions	5,700.00

Net pay70,300.00

Amount in words: Rupees Seventy Thousand Three Hundred Only

This is a computer generated salary slip and does not require a signature.

Free, no signup, no email needed. Everything you type stays in this browser — the slip is built on your device and no salary figure is sent to us.

Key takeaways

→You are entitled to a payslip — but the authority everyone cites for it, section 13A of the Payment of Wages Act 1936, is repealed. The duty now sits under the Code on Wages 2019 and its 2026 Central Rules.
→The amount in words must spell out the net, not round it. It exists so the figure cannot be altered after issue.
→A payslip has four audiences and only one is you: a lender, a visa officer, a background checker, and you.
→Two lines are worth auditing every month — provident fund, against your PF passbook, and loss of pay, against your own leave record.
→A payslip gross is always lower than CTC, because CTC contains employer-side costs that are never paid to you as salary.
→Download every payslip while you still have portal access. Getting them months after you leave is a much harder job.

Yes, you are entitled to one — but not under the Act everyone cites

Search for whether your employer must give you a payslip and you will be told, more or less universally, that the obligation comes from section 13A of the Payment of Wages Act, 1936. That Act does not exist any more. Section 69(1) of the Code on Wages, 2019 repeals it outright, along with the Minimum Wages Act 1948, the Payment of Bonus Act 1965 and the Equal Remuneration Act 1976. The Code came into force on 21 November 2025, and the Code on Wages (Central) Rules, 2026 were notified on 8 May 2026.

The substance has not changed: the Code and its rules carry the duty to issue wage slips forward, and section 69(2) preserves things done under the repealed Acts only so far as they are not contrary to the Code. What has changed is which citation is correct. If you are putting a request to HR in writing — and especially if you are escalating one — citing a repealed Act is the easiest thing in the world for an employer to brush aside.

One honest limit on what this page will tell you. We have verified the repeal from the Code itself. We have not been able to read the notified 2026 Central Rules directly — the published PDFs use font encodings that do not extract and the gazette site is unreachable from here — so this page deliberately does not quote a rule number or a prescribed form number for the wage slip, even though secondary sources name both. Citing a rule we have not read would be the same mistake, in the other direction.

Every earnings line, and what it actually is

Standard payslip earnings components explained
Line	What it is	Tax position	Typical level
Basic salary	The core of the salary. Provident fund, gratuity and one limb of the HRA exemption are all computed on this, not on gross or CTC.	Fully taxable	40–50% of CTC
House rent allowance	Paid towards rent. Partly exempt under the old regime at the least of three limbs; the exemption is withdrawn under the default regime.	Partly exempt, old regime only	40–50% of Basic
Conveyance allowance	Paid towards commuting. A legacy line on most structures.	Taxable under the default regime	A fixed small amount
Medical allowance	A fixed allowance, distinct from a reimbursement against bills. Also largely a legacy line.	Taxable under the default regime	A fixed small amount
Leave travel allowance	Paid towards travel on leave. Exempt on actual travel twice in a block of four years under the old regime.	Exempt on travel, old regime only	Often one month's Basic
Special allowance	The balancing figure — whatever is left once the other components and the employer-side costs are allocated. No statutory benefit is computed on it.	Fully taxable	The remainder
Bonus or incentive	Performance or statutory bonus paid in this month. Appears only in the months it is actually paid.	Fully taxable	Varies
Overtime	Paid for hours beyond normal working hours, where it applies.	Fully taxable	Varies
Arrears	Pay relating to an earlier period, released now — typically after a backdated increment.	Taxable, but relief under section 89 may apply	One-off

The takeaway: only Basic does any work beyond this month's pay. Provident fund, gratuity and the HRA exemption all scale with it, which is why a structure with a low Basic and a large special allowance maximises monthly cash and minimises everything that accrues in your name.

Every deduction line, and which ones to check

Standard payslip deduction components explained
Line	What it is	Tax position	Typical level
Provident fund (employee)	Your own 12% contribution, computed on the PF wage base. It leaves your salary but it is money in your name.	Deductible under the old regime; the balance is tax-free after five years	12% of the PF wage base
ESI (employee)	Your own 0.75% contribution, where monthly wages are at or under the ESI ceiling. Absent above it.	Not applicable	0.75% of wages, when covered
Professional tax	A State levy on being employed, capped by the Constitution at ₹2,500 a year. Some States do not charge it.	Deductible from salary under the old regime	Commonly ₹200 a month
Income tax (TDS)	Tax deducted at source on your salary, spread across the year on your employer's estimate of your annual income.	This is the tax	Varies with income and regime
Loan or advance recovery	Instalments on a salary advance or company loan.	Not a tax item	As agreed
Loss of pay	A deduction for days not worked and not covered by leave. Check it against your own leave record — this is the line most often wrong.	Not a tax item	Per day of unpaid absence
NPS (employee)	Your own contribution to the National Pension System, where you have opted in.	Deductible under 80CCD(1) and 80CCD(1B)	As chosen

The takeaway: the two to audit are provident fund and loss of pay. Provident fund because a deduction with no matching credit in your passbook means the money was taken and not deposited; loss of pay because it depends on a leave balance that payroll and your manager may be counting differently.

Where the gross on a payslip goes

The sample slip the generator above starts with: ₹76,000 gross for the month. Your own proportions will differ, but if deductions are far more than a fifth of gross without a loan or a loss-of-pay line to explain it, that is worth querying.

Provident fund (employee)−₹3,000
Professional tax−₹200
Income tax (TDS)−₹2,500

The takeaway: on an ordinary slip, deductions are around 8 per cent of gross and the largest of them is provident fund — which is savings in your name rather than money lost. Two lines are the ones to audit every month: provident fund, against the credit in your PF passbook, and loss of pay, against your own leave record. Those are where payslip errors actually live.

View the figures as a table

The sample payslip, line by line
Line	Amount	Share of gross
Basic salary	₹40,000	52.6%
House rent allowance	₹20,000	26.3%
Conveyance allowance	₹1,600	2.1%
Special allowance	₹14,400	18.9%
Gross earnings	₹76,000	100%
Less: Provident fund (employee)	−₹3,000	3.9%
Less: Professional tax	−₹200	0.3%
Less: Income tax (TDS)	−₹2,500	3.3%
Net pay	₹70,300	92.5%

What share of gross each component usually is

Ranges rather than single figures, because there is no single normal. These are market convention, not statute — no Indian law fixes what share of your pay Basic has to be.

The takeaway: only one of these bands is worth arguing about. A Basic well under a third of gross shrinks your provident fund, your gratuity and your HRA exemption simultaneously, which is why some employers like it and why it is the number to check first on an offer. Special allowance being large is a consequence of that choice rather than a separate problem, and the small named allowances make almost no difference at all now that the default tax regime has withdrawn the exemptions they used to carry.

View the figures as a table

Typical component shares of gross salary
Component	Usual range	Commonly	Why it matters
Basic salary	35–55%	45%	PF, gratuity and the HRA exemption all scale with this.
House rent allowance	15–27%	22%	Usually set at 40–50% of Basic, so it moves with Basic.
Special allowance	10–40%	25%	The balancing figure, so it absorbs whatever the others leave.
Other named allowances	0–10%	4%	Conveyance, medical, LTA. Largely legacy lines under the default tax regime.

Payslip, Form 16, salary certificate, offer letter — which one you actually need

These four get used interchangeably in conversation and are not interchangeable at all. Asking HR for the wrong one is one of the commonest reasons a loan or a visa application stalls for a fortnight, because the request has to go round again.

Salary documents compared by what they prove and who issues them
Document	Period	What it proves	Where it comes from
Salary slip	One month	What you were paid and what was deducted in that month.	Payroll, monthly
Form 16	A financial year	Salary paid and tax deducted and deposited for the year. A tax document, not a pay document.	Your employer's TDS return, annually
Salary certificate	A stated period, for a stated purpose	Employment and pay, certified on letterhead for a bank, visa office or landlord.	HR, on request
Offer or appointment letter	At hire	The terms agreed — CTC, designation, joining date, notice period. Not evidence of what you were actually paid.	HR, at hire
Experience or relieving letter	At exit	That you worked there, for how long, and that you were released.	HR, at exit
Bank statement	Any period	That the money arrived. Usually asked for alongside payslips so the two can be reconciled.	Your bank

The takeaway: lenders and visa offices almost always want two documents that can be checked against each other — payslips plus bank statements. A payslip whose net does not match the credit in the statement is worse than no payslip at all.

Need the letterhead version rather than the monthly slip? Generate a salary certificate by purpose.

How to check your payslip against your PF passbook

This is the single most valuable thing you can do with a payslip, and almost nobody does it. A provident fund deduction on your payslip is a promise; a credit in your PF passbook is the money. When they do not match, the gap is yours and it compounds silently for years.

1
Download your PF passbook from the EPFO member portal
Log in with your UAN at the member portal and open the passbook for the establishment you are working at. It lists the employee share, the employer share and the pension share credited for each wage month.
2
Line up the wage months, not the credit dates
A contribution for September is often credited in October. Compare by wage month, which the passbook labels, rather than by the date the credit appears, or you will chase a mismatch that does not exist.
3
Check your own contribution against the payslip deduction
The employee share in the passbook should equal the provident fund deduction on your payslip for the same wage month. If the payslip shows a deduction and the passbook shows no credit, your employer has deducted and not deposited.
4
Check the wage base, not just the amount
Divide the employee share by 12 per cent. The result should be either your Basic plus DA, or the wage ceiling of ₹25,000 a month, depending on which basis your employer applies. Anything else is worth a question to payroll.
5
Raise it in writing with payroll first, quoting months and amounts
Name the wage months, the payslip deduction, and the passbook credit for each. A specific written query gets fixed; 'my PF looks wrong' does not. Keep the reply.
6
If it is not fixed, escalate to EPFO
Non-deposit of deducted contributions is an EPFO enforcement matter, not just a payroll error. Raise a grievance on the EPFiGMS portal against your UAN with the months and amounts attached.

Common mistakes, on both sides of the slip

If you are issuing slips

·Typing the totals instead of deriving them, so the slip does not add up.
·An amount in words that rounds, or that is copied from last month.
·No wage month on the document, which makes it unverifiable.
·A full bank account number on a document that will be emailed.
·No 'computer generated' line and no signature, so it reads as unissued.

If you are receiving them

·Download every month, while you still have portal access.
·Reconcile the PF deduction against your passbook, by wage month.
·Check loss of pay against your own leave record, the same month.
·Check the net against the credit in your bank statement.
·Query anything odd in writing, naming months and amounts.

Frequently asked questions

Is my employer legally required to give me a salary slip?

Yes — but almost every article you will read cites a repealed law for it. The authority everyone quotes is section 13A of the Payment of Wages Act, 1936. Section 69(1) of the Code on Wages, 2019 repealed that Act outright, along with the Minimum Wages Act 1948, the Payment of Bonus Act 1965 and the Equal Remuneration Act 1976, and the Code came into force on 21 November 2025. The duty to issue a wage slip now sits under the Code and the Code on Wages (Central) Rules, 2026, which were notified on 8 May 2026. The practical position has not changed — you are entitled to one — but if you are putting the request in writing, cite the framework that is actually in force rather than an Act that no longer exists.

What must a salary slip contain?

At a minimum, enough for a third party to verify your pay: who issued it, the wage month, your name and an identifier, the rate and amount of each earning component, each deduction itemised, the gross, the total deductions, and the net — in figures and in words. In practice a slip that will be accepted by a bank also carries your designation, date of joining, PAN, UAN and the last few digits of the bank account the salary was credited to, because those are the fields a verifier cross-checks against other documents. The generator above includes all of them.

Why does my salary slip show a lower gross than my CTC?

Because CTC includes costs that are not salary. The employer's provident fund contribution, any gratuity provision and the employer's ESI contribution are all costs to the company counted inside many CTC figures, and none of them is paid to you as salary — so they never appear in the earnings half of a payslip. Your payslip gross is your salary components only. If you want the full arithmetic from CTC down to the bank credit, the in-hand salary calculator does it line by line.

What is the difference between a salary slip, Form 16 and a salary certificate?

A salary slip is monthly and shows what you were paid and what was deducted in that one month. Form 16 is annual and is a tax document: it certifies the salary paid and the tax deducted and deposited for the whole financial year, and it comes from your employer's TDS return rather than from payroll. A salary certificate is a letter on employer letterhead confirming your employment and pay for a stated purpose — a loan, a visa, a rental agreement. They are not substitutes for one another, and asking HR for the wrong one is the commonest reason a loan application stalls.

What should I do if my employer does not give me a payslip?

Ask in writing, by email, and keep the reply or the absence of one. Make the request specific: the wage months you need, and the fact that you need it for a named purpose. If payroll does not respond, escalate internally to HR with the earlier email attached. A refusal to issue wage slips is a compliance failure under the Code on Wages framework, and it is also a useful fact to have in writing if anything else about your pay later goes into dispute. In the meantime, bank statements showing the salary credit plus your appointment letter will satisfy some lenders, though not usually a visa office.

Can I make my own salary slip?

You can produce one for your own records, for reconciliation, or as a template for an employer to issue — which is what the generator above is for. What you cannot do is issue yourself a payslip and present it as one your employer issued. That is a fabricated document, and background-check vendors and banks verify payslips against bank credits, Form 16, PF records and sometimes directly with the employer. If you are an employer or run payroll for a small company, generating slips here is exactly the intended use.

How do I check my payslip against my PF passbook?

Compare by wage month, not by credit date, because a September contribution is usually credited in October. The employee share in the passbook should match the provident fund deduction on the payslip for the same wage month. Then divide that share by 12 per cent — the result should be either your Basic plus DA or the wage ceiling of ₹25,000 a month, depending on the basis your employer applies. A deduction on the payslip with no matching credit in the passbook means the money was taken and not deposited, which is an EPFO enforcement matter rather than a payroll slip-up.

What is loss of pay on a salary slip?

A deduction for days you were absent and the absence was not covered by paid leave. It is the line most often wrong, because it depends on a leave balance that payroll and your manager may be tracking separately. Check it every time it appears: count the days, check them against your own leave record and any approvals you have in writing, and query it the same month. A loss-of-pay deduction also quietly reduces your provident fund for that month, because the PF wage base falls with it.

Is professional tax on my payslip the same everywhere in India?

No. It is a State levy under Article 276(1) of the Constitution, so each State has its own Act and its own slabs, and several States and Union Territories do not charge it at all. What is uniform is the ceiling: Article 276(2), as amended by the Constitution (Sixtieth Amendment) Act, 1988, caps the total at ₹2,500 a year per person per State. So wherever you are, professional tax cannot be the reason your net pay is materially lower than you expected — at the cap it is about ₹208 a month.

Why is there no ESI line on my payslip?

Almost certainly because you earn too much for it. Employees' State Insurance applies only where monthly wages are at or under ₹21,000. Above that neither your 0.75 per cent nor the employer's share is payable and the line simply does not exist. If you do see an ESI deduction on a salary well above the ceiling, query it — that is an error worth catching.

Should the amount in words match the net or the gross?

The net — the figure actually payable. The amount-in-words line exists so that the payable figure cannot be altered after the slip is issued, which is why it has to spell out every digit rather than round to lakhs. A slip whose words and figures disagree is treated as suspect by anyone verifying it, so if you are issuing slips, derive the words from the net rather than typing them.

Do I need payslips for a visa application?

Usually, and usually several consecutive months of them, matched against bank statements showing the credits. Visa officers are checking two things: that the employment is real and that the income is what you claim. Consecutive slips whose net pay matches the bank credits for the same months answer both. Gaps, or slips whose net does not match the credits, invite questions — so collect them monthly rather than trying to assemble a year of them the week before you apply.

What do lenders look at on a payslip?

Net pay first, because that is what services a loan, and then stability and composition. A lender will usually take an average of the last three months' net, discount or exclude variable components such as bonus and overtime because they are not dependable, and check that the net on the slip matches the salary credit in the bank statement. That last check is why a payslip and bank statements are almost always asked for together, and why a slip that does not reconcile to the credits is worse than no slip at all.

Can I get payslips after leaving the company?

Usually yes, if you ask promptly and in writing — payroll systems hold historical slips and most companies will reissue them. The practical advice is simpler: download every payslip while you still have access to the portal and a working email address. Getting a payslip out of a company you left eight months ago is a different and much harder job than downloading it the week you leave, and the same is true of Form 16 and your relieving letter.

What to do next

A payslip is only useful once you have checked it and kept it.

1
Reconcile this month's PF deduction against your passbook
It takes five minutes and it is the only way to catch an employer deducting and not depositing.
2
Work out what your CTC should be putting in your account
If the gross on your slip is lower than you expected, the explanation is usually in the structure rather than in an error.
Open the in-hand salary calculator
3
Ask HR for the letterhead document if that is what you actually need
Banks and visa offices often want a salary certificate rather than slips, and the request is faster if you name the purpose.
Generate a salary certificate

Sources for the figures on this page

Where the duty to issue a wage slip now comes from — the Payment of Wages Act 1936, which most guidance still cites, is repealed
Code on Wages 2019, s.69(1): "The Payment of Wages Act, 1936 (4 of 1936), the Minimum Wages Act, 1948 (11 of 1948), the Payment of Bonus Act, 1965 (21 of 1965) and the Equal Remuneration Act, 1976 (25 of 1976) are hereby repealed." s.69(2) preserves things done under the repealed Acts only so far as they are not contrary to the Code. The Code came into force on 21 November 2025, and the Code on Wages (Central) Rules, 2026 were notified by G.S.R. 343(E) dated 8 May 2026. SOURCING NOTE: the section text is from an officially-reproduced bare-act copy rather than the gazette, consistent with how the other Code sections are cited in this file; the specific rule and form number prescribing the wage slip were NOT verified in this pass and are deliberately not stated here.
View sourceChecked 2026-10-14
Constitutional ceiling on the total professional tax payable by one person in a State, per year
Constitution of India, Article 276(2), as amended by the Constitution (Sixtieth Amendment) Act, 1988. The Statement of Objects and Reasons records that clause (2) previously capped the tax at "two hundred and fifty rupees per annum" and that it was "accordingly proposed to amend clause (2) of article 276 of the Constitution to increase the ceiling of profession tax from two hundred and fifty rupees per annum to two thousand and five hundred rupees per annum", omitting the then-existing proviso as no longer relevant. The levy itself is imposed by each State under Article 276(1) through its own Act, so the slabs differ by State and no national slab table exists.
View sourceChecked 2026-10-14
EPF wage ceiling for mandatory coverage and for monthly contributions, per month
Gazette Notification dated 17 September 2026, reported by PIB, Ministry of Labour & Employment (Release ID 2314111, 23 September 2026): the wage ceiling "which was last enhanced to Rs 15,000 per month in September 2014, has now been revised to Rs 25,000 per month", and "the wage ceiling for monthly contributions shall be enhanced to Rs 25,000 per month or the actual salary/wages, whichever is lower". Employees not enrolled solely because their wages exceeded Rs 15,000 become eligible where monthly wages do not exceed Rs 25,000. The ceiling is a notified amount: Code on Social Security 2020, s.2(89).
View sourceChecked 2026-10-14
Monthly wage ceiling for ESI coverage
PIB, Ministry of Labour & Employment (Release ID 2149347): "The last revision in the wage ceiling for coverage under ESI Act, 1948 was done w.e.f. 01.01.2017, wherein the wage limit was raised from Rs. 15,000/- per month to Rs. 21,000/- per month." A higher ceiling applies to persons with disability; that figure is deliberately NOT asserted here because it was not read off a government page in this pass.
View sourceChecked 2026-10-14

What changed

14 October 2026 — first published. Written against the Code on Wages, 2019, in force from 21 November 2025, whose section 69(1) repealed the Payment of Wages Act 1936 that most payslip guidance still cites, and the Code on Wages (Central) Rules, 2026 notified on 8 May 2026. The specific rule and prescribed form number for the wage slip are deliberately not quoted: the notified Rules could not be read directly in this pass, and that gap is recorded in the Phase 1 report rather than filled with a secondary source.

Written and reviewed by Deepak Middha, Chartered Accountant (ICAI, India) and founder of LayoffNext.

Legal and tax positions last checked 14 October 2026Editorial standards

Deepak MiddhaFounder of LayoffNext

Founder of LayoffNext. Chartered Accountant and finance educator who builds free tools for people navigating layoffs.

About Deepak LinkedIn Editorial Standards Methodology View All Articles