SIF

SIF as the WPS data contract

The Salary Information File is the structured payroll export that UAE employers submit to WPS-approved banks and MOHRE each pay cycle. It encodes employee identifiers, salary components, pay period, and bank routing details in a format banks validate before processing transfers. A correct SIF is the bridge between your payroll system and MOHRE's compliance records.

Fields that cause rejections

Common SIF failures include incorrect MOHRE person codes, IBAN mismatches, salaries below contracted minimums in MOHRE records, duplicate employee entries, and pay dates outside the permitted window. SMEs using manual CSV edits after payroll export introduce errors that banks reject silently until MOHRE flags non-payment.

SIF versus payslip

The SIF is an employer-to-bank-to-MOHRE compliance file, not an employee-facing payslip. However, amounts in the SIF must match payslip breakdowns and employment contract wages. Federal Decree-Law No. 33/2021 requires wage transparency, so inconsistencies between SIF, payslip, and contract create inspection risk even when bank transfers succeed. SMEs should treat SIF validation as part of payroll sign-off, not a post-payment administrative step.