Wrong Deduction on Salary: How to Check Before ePayslip is Released and Affordability

Wrong Deduction on Salary: How to Check Before ePayslip is Released

Ensuring accurate salary deductions and payments before your ePayslip is released can be crucial. Here is a guide on how to check for any discrepancies:

Why We Check Payslips:

1. Identify Wrong Deductions: To verify if there have been any incorrect deductions.
2. Confirm Salary Payments: To ensure the correct salary has been credited.
3. Verify Allowances: To check if all due allowances have been reflected accurately.
4. Identify Absorbed Increments: To see if any salary increments have been offset by other deductions.
5. Review Deducting Entities: To be aware of which entities are deducting amounts and by how much.

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Steps to Check for Wrongful Deductions:

Option 1: Through the ePayslip Portal

1. Login to Your ePayslip Account:
   • Navigate to the ePayslip login page.
2. Check for Wrongful Deductions:
   • Click on the “Wrongful Deduction” section.
   • Enter the current month and view the details to identify any discrepancies.

Option 2: Comparing with Previous Payslips

1. Access Previous Payslips:
   • Log in to your ePayslip account and view your previous payslips.
2. Compare Payment Amounts:
   • Scroll down to the section where your bank branch is mentioned and check the payment amount.
   • Cross-check the payment amount with the message issued by your bank for the current month.
3. Identify Discrepancies:
   • If the amounts differ, there might be an issue. Check your payslip for the current month to identify specific discrepancies when it is released.
4. Take Immediate Action:
   • If you find any wrongful deductions or payment issues, take prompt action to rectify them.

How to Check if a Bank Staff Has Misused Your Affordability for a Loan

How to check if a bank staff has taken some of your affordability for a loan on Payslip Portal

The CAGD ePayslip portal is designed to protect your affordability status for loans and deductions. This system ensures that before any affordability is released, a mandate form is generated with a PIN that is provided only to you. However, there may still be certain discrepancies that could go unnoticed. Here’s how to check if your affordability is being handled correctly.

Steps to Check for Unauthorized Deductions

Affordability is “locked” when there are loans or deductions directly made on your payslip with your consent. To verify if everything is in order:

1. Check for Deductions: Log in to your ePayslip portal and review the deductions listed. If there are loans or deductions, compare the amounts deducted to what is reflected on your payslip. Ensure that the total deduction matches the agreed terms of your loan or the authorized deductions.
2. Calculate Wrongful Deductions: If you suspect any wrongful deductions, calculate the total amounts being deducted. Cross-check these with the original loan agreements or approved deductions to confirm if they match what should be deducted.
3. Review Payslip Details: Your payslip will clearly indicate the deducted amounts each month. Ensure these align with the loan repayment schedule or authorized deductions to confirm everything is accurate.
4. NB; if there are special one time deductions, know that it does not affect the affordability.

Securing Your Credentials

Always safeguard your ePayslip login credentials. If a bank requires access to your payslip or affordability information, you can generate the required information for them without giving away your personal credentials.

By following these steps, you can ensure that your affordability remains protected, and you can spot any discrepancies early on.

Additional Resources:

• ePayslip Login: Link to ePayslip Login
• Check My Payslip: Link to Check My Payslip
• Salary Payslip Information: Link to Salary Payslip
• CAGD Payslip Login: Link to CAGD Payslip Login
• SM e-Payslip: Link to SM e-Payslip

By following these steps, you can ensure that your salary and deductions are accurate and take necessary actions if any issues arise.