Is my salary data safe?

Yes. The validator runs entirely in your browser no upload, no server, no logging. Open the network tab while you use it and you'll see nothing leaving the page.

Salary Information File the standardized format Omani banks use under the Wage Protection System (WPS) to process monthly payroll. It's typically a CSV or tab-separated file with 16 fields per employee.

What are the 16 fields in an Oman SIF file?

Salary Year, Salary Month, Employee ID Type (C for Civil ID or P for Passport), Employee ID, Employee Name, Bank Code, Account Number/IBAN, Salary Frequency (M/B), Working Days, Net Salary, Basic Salary, Extra Hours, Extra Income, Deductions, Social Security Deductions, and Notes. Every row must have exactly 16 fields separated by commas or tabs.

What is the IBAN format for Omani banks?

An Omani IBAN is always 23 characters: 'OM' + 2 check digits + 3-digit bank code + 16-digit account number. Ujoor verifies length, checksum, and recognizes all 22 Omani bank codes no manual lookup needed.

What if my file has an invalid Civil ID number?

Omani Civil IDs are typically 7–9 numeric digits with no leading zeros. Ujoor flags IDs with leading zeros, non-numeric characters, unusual lengths, or duplicates across rows each error points to the exact row so you can correct it before the bank does.

Why does my SIF file need UTF-8 encoding?

Arabic employee names and special characters require UTF-8 so the bank can read them correctly. If the file uses a different encoding (like ANSI or Windows-1256), Ujoor stops validation and tells you to re-save as UTF-8. Most Omani banks mandate UTF-8 anyway.

My file uses tabs instead of commas will that work?

Yes. Ujoor auto-detects commas or tabs, and accepts .csv or .txt. UTF-8 encoding is required (most banks mandate it anyway).

Can I validate bi-weekly salary files?

Yes. Ujoor supports both Monthly (M) and Bi-weekly (B) salary frequencies. The same file cannot mix both all rows must share one frequency. Ujoor flags any mixed-frequency file before you upload it.

Which banks does it support?

All banks that follow the Central Bank of Oman's SIF v4.1 spec. The validator checks your file against that specification, not against any single bank's proprietary quirks.

Does Ujoor work with Bank Muscat, NBO, Bank Dhofar, and Sohar International?

Yes. Ujoor validates against the Central Bank of Oman's SIF v4.1 specification, which every licensed bank follows Bank Muscat, NBO, Bank Dhofar, Sohar International, Oman Arab Bank, Ahli Bank, Bank Nizwa, Meethaq, Maisarah, Al Hilal, and all other 22 banks operating in Oman.

How is the Social Protection Fund (SPF) deduction calculated?

For Omani employees, SPF is 8% of gross salary, capped at a maximum of OMR 240 per month (8% of the OMR 3,000 salary cap). Expatriates contribute at different rates. Ujoor flags any row where the Social Security Deduction doesn't match the standard rate.

What is the minimum wage for Omani nationals in WPS files?

The minimum wage for full-time Omani nationals is OMR 325 per month. Ujoor warns you when a row falls below this so you can confirm the employee is part-time, on unpaid leave, or had deductions that explain the shortfall.

Is there a maximum deduction limit in Omani payroll?

Yes. Oman Labour Law caps deductions at 50% of an employee's gross pay. Ujoor warns when deductions exceed that limit a common cause of bank rejection and a potential labour-law violation. Add a note in the Notes field explaining the deduction if it's justified.

How do I fix a rejected SIF file?

Open the file in Ujoor and every rejection reason appears inline with the exact row, field, and rule. Fix each issue in place, then download a clean file. Most common causes: invalid IBAN, duplicate employee IDs, non-UTF-8 encoding, and salary math mismatches.

The validator stays free. Paid features (payroll generation, direct bank submission) are coming later they'll be optional and separate.

Home/SIF errors/Salary math does not balance

SIF errors

Salary math does not balance

For every row the Net Salary in field 10 must exactly equal Basic Salary (field 11) + Extra Income (field 13) − Deductions (field 14) − Social Security (field 15). If those numbers do not add up, rule X01 fails.

Rule: X01

Why the bank rejects this

Banks and the Ministry of Labour both reconcile the Net Salary against the component fields. A mismatch means either the salary components are wrong (underpaying the employee) or the Net amount was typed separately both are fraud signals. The bank rejects any row whose math does not close, and some banks reject the entire file.

How to fix it

Recalculate each row: Net = Basic + Extra Income − Deductions − Social Security. Tolerance is ±0.001 OMR for rounding (one baisa).
If the Net is higher than the calculation, you are missing deductions check SPF (8% of basic for Omanis, capped at 240 OMR), loan repayments, and leave deductions.
If the Net is lower than the calculation, you likely have a typo in one component or duplicated a deduction. Trace each value against the payslip.
Watch out for rounding: OMR uses 3 decimal places (baisa). 100.5 and 100.500 are the same, but 100.50 truncated may drift over many rows.
If the mismatch is intentional (e.g. a negotiated advance), add an explanation in field 16 (Notes) that alone will not pass X01 but it helps the bank accept the downstream V73 warning.
Re-validate in Ujoor after fixing; X01 should clear on every row.

How Ujoor catches this

Ujoor's rule X01 does the arithmetic for every row and shows you the exact gap "Basic 350.000 + Extra 137.500 − Deductions 50.000 − Social 31.250 = 406.250, but Net is 500.000. Difference: 93.750". You fix the one number that is off, not the whole row.

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