Salary Certificate Generator India 2026 (Free)

Company Details

Company Name *

Company Address

CIN / Registration No. (optional)

Certificate Date *

Authorised Signatory Name *

Signatory Designation *

Employee Details

Employee Full Name *

Employee ID (optional)

Designation *

Department (optional)

Date of Joining

Employment Type

Salary Details (Monthly, in INR)

Basic Salary

House Rent Allowance (HRA)

Special Allowance

Other Allowances

Gross Monthly Salary *

Net Monthly In-Hand Salary

Annual CTC (optional)

Show salary breakup in certificate?

Certificate Purpose

Issued For

Addressed To (optional)

What is a Salary Certificate and When Do You Need One?

A salary certificate is an official document issued by an employer, on company letterhead, confirming that a named individual is employed with the organisation and stating their salary details. Unlike a payslip, which is a monthly statement of earnings and deductions, a salary certificate is a standalone letter suitable for third-party verification purposes.

Common Uses

Home and Personal Loans

Bank / NBFC

Lenders use it to verify stable employment and assess repayment capacity. Most banks ask for the last 3 months of salary slips plus a salary certificate.

Visa Applications

Embassy / Consulate

Required for work visas, tourist visas from certain countries, and long-stay permits. The certificate confirms employment status and income level.

Rental Agreements

Landlord / Housing Society

Landlords often request a salary certificate to assess a tenant's ability to pay rent on time, especially in metro cities.

Credit Cards

Bank / Fintech

Banks use salary certificates to verify income and set credit limits, particularly for applicants without ITR history.

Difference Between Salary Certificate and Salary Slip

A salary slip (payslip) is a monthly document showing the detailed breakup of earnings and deductions for a specific pay period. A salary certificate is issued on request and covers overall employment status and salary package. For loans and visas, you typically need both: the certificate to confirm employment and recent slips to prove consistent income.

Required Fields in a Valid Salary Certificate

Company name, official address, and registration number (CIN) where applicable
Employee full name, designation, department, and employee ID
Date of joining and employment type (permanent, contractual, probationary)
Gross monthly salary (and in-hand salary, if requested)
Salary breakup: Basic, HRA, allowances (required by most banks)
Annual CTC (required for visa applications)
Date of certificate issuance
Name, designation, and signature of the authorised signatory
Company stamp or seal (physical documents)

Do Banks Accept Digitally Generated Certificates?

Many banks and NBFCs accept a certificate on company letterhead with a valid electronic signature or a physical stamp, while others still want a wet signature and rubber stamp. Requirements differ by lender, so confirm with the institution before submitting.

Salary certificate vs Form 16 (now Form 130)

A salary certificate confirms current pay. Lenders often also ask for the annual TDS certificate on salary, which the employer downloads from TRACES. Under the Income-tax Act, 2025, Form No. 130 replaces Form 16 from tax year 2026-27; certificates for 2025-26 are still issued as Form 16. The employer must issue it by 15 June after the tax year.

Note: The certificate generated by this tool is a template. For it to be legally valid, it must be reviewed, printed on company letterhead, and signed by an authorised HR or finance signatory with the company's official stamp. If you are an employee asking HR to issue a certificate, share the filled template with them for review and sign-off. If you spot incorrect information or formula errors, please write to [email protected].

How to Use This Generator

Fill in company details (name, address, authorised signatory), employee details (name, designation, date of joining, employment type), salary components (basic, HRA, allowances), and select the certificate purpose. Click Generate to preview the certificate. Use your browser's Print function or Ctrl+P (Cmd+P on Mac) to save it as a PDF. All data stays in your browser; nothing is transmitted to our servers.

How to write a salary certificate

Get the request in writing and note the purpose and the addressee, for example a bank branch or embassy.

Enter the company details, CIN and the authorised signatory.

Enter the employee details: name, ID, designation, department, joining date and employment type.

Enter the monthly salary components; gross is filled in from the components, and add net pay and CTC if needed.

Generate the certificate, check it against payroll, print on letterhead, and sign and stamp it.

Which letter do I need?

Experience letter: proves where you worked, in what role and for how long. Background checks ask for it.
Relieving letter: confirms you were released from duties on a stated date after your notice period. New employers ask for it at joining.
NOC (No Objection Certificate): says the employer has no objection to one named step, such as a new job, visa, passport, loan or course.
Salary certificate (this page): confirms current employment and pay for a bank loan, visa or rental agreement.

Frequently Asked Questions

What is a salary certificate?

A salary certificate is an official letter issued by an employer on company letterhead confirming an employee's designation, employment status and salary. It is commonly asked for with bank loan, visa, rental and credit card applications.

What is the difference between a salary certificate and a salary slip?

A salary slip (payslip) is a monthly statement of earnings and deductions for one pay period. A salary certificate is a standalone letter that certifies the employee's current role and overall pay. Banks and visa offices usually ask for a salary certificate along with recent salary slips.

Will banks in India accept this salary certificate?

Most lenders accept a salary certificate in this format when it is printed on company letterhead and signed by an authorised HR or finance signatory with the company stamp. Each bank sets its own document list, and some want a wet signature rather than an electronic one, so check with the lender before you submit.

Should I show gross salary or in-hand salary in the certificate?

Lenders usually ask for gross monthly salary for loan eligibility. Visa applications often ask for annual CTC or gross annual salary. Landlords tend to look at in-hand (net) pay. This tool lets you include both, and the purpose you pick adjusts the wording of the certificate.

Is a salary certificate the same as Form 16?

No. A salary certificate confirms current employment and pay. Form 16 is the annual certificate of tax deducted at source on salary. Under the Income-tax Act, 2025 it is replaced by Form No. 130 from tax year 2026-27, and the employer must issue it by 15 June after the tax year. Lenders often ask for both.

Can I use this for a home loan application?

Yes. Lenders typically want a salary certificate showing your designation, employer name, employment type and gross monthly salary, which this certificate covers. They usually also ask for recent salary slips, bank statements and the TDS certificate (Form 16 or Form 130), so check the lender's list.

Does the generator store my data?

No. All processing happens in your browser. No data is sent to our servers, so company names, employee details and salary figures stay on your device.

Salary Certificate Generator India 2026