Running Payroll & Compliance

Generate the salary bank file

Set your bank file format once, then create a bank upload file of net pay from each posted pay run.

  • Payroll Admin
1 min read
On this page (3 sections)
  1. Set up the file format (once)
  2. Generate and download the file
  3. Fix bank file errors

Set up the file format (once)

  1. Open any pay run and click Configure Bank Settings. This opens Settings → Bank Disbursement in Mocha Accounting.

  2. Choose the File Format.

  3. Fill in your company’s remitter details — remitter name, account number, IFSC and bank name — or the origin details for NACHA.

FormatOutput
Generic NEFT (CSV)CSV with beneficiary name, account number, IFSC, amount, mode, payment reference and remarks.
ICICI Bank NEFTFixed-width text file. Requires your remitter account number.
NACHA ACH (US Payroll)A validated .ach file.
HDFC, SBI and Axis formats are listed but not yet supported.

Generate and download the file

  1. Open a Posted pay run.

  2. Click Generate Disbursement File.

  3. The file appears under Disbursement Files. Click Download and upload it to your bank.

  • Only employees with net pay above zero are included.
  • You can create one file per format per pay run.
  • If any employee’s bank details fail validation, no file is created and each problem is listed so you can fix it.

Fix bank file errors

MessageFix
“no bank account on file”Add the employee’s banking details, then generate again.
“…isn't valid — it must be 11 characters, e.g. HDFC0001234…”Correct the IFSC on the employee record.
“…failed the standard ABA checksum…”Correct the US routing number.
“Organization bank/disbursement settings are not configured yet.”Set up the file format and remitter details first.
“…were encrypted with a different key…”Contact support — this is a system configuration issue.
“A … disbursement file has already been generated for this payroll run.”Download the existing file.

Related articles

Generate the salary bank file | Mocha HRMS Help Center