Salary Advance & Employee Loan Policy in India (2026)
How to design and run a fair salary advance and employee loan policy in India: advance vs loan, limits, recovery, the perquisite tax on interest-free loans, documentation and wo...

Practical CozyHR articles for teams choosing, implementing and automating HR software across employee records, attendance, payroll, compliance, self-service and admin governance.
How to design and run a fair salary advance and employee loan policy in India: advance vs loan, limits, recovery, the perquisite tax on interest-free loans, documentation and wo...
A practical, humane playbook for Indian SMBs to measure and reduce unplanned absence: metrics, the Bradford Factor, return-to-work conversations, root causes and a 30-day plan.
How the Income-tax Act 2025 affects salary TDS, employee regime choices, declarations and year-end reporting, plus a practical transition checklist for Indian payroll teams.
A practical, India-focused playbook for implementing the four Labour Codes in 2026: the wage definition, salary restructuring, faster exit settlements, records and a 90-day plan.
A complete operational guide to ESOP administration and ESOP payroll for Indian startups, from pool design and vesting to exercise-day withholding and cap-table hygiene.
A practical guide for Indian HR teams and founders on designing, running and acting on employee engagement surveys, with a full question bank, eNPS and favourability maths, and...
A practical India playbook for handling an absconding employee: how to classify the absence, the day-by-day escalation ladder, original letter templates, payroll and settlement...
A practical, end-to-end guide to running 360 degree feedback in Indian SMBs and growing teams: rater panels, anonymity design, question banks, debrief scripts, failure modes and...
A practical playbook for Indian SMBs on building a flexible benefits plan: component menus, declaration windows, proof verification, tax regime impact and month-by-month payroll...
Run a salary increment cycle that holds up: budgeting with statutory on-costs, calibration, compliant salary restructuring, letters, arrears and payroll execution.
What belongs in an Indian employee handbook, how to structure and write it, the legal considerations, and how to keep it current as you scale.
How to calculate employee attrition rate correctly, which segments to track, how to diagnose the causes, and which retention interventions actually work.
Who must register under the Shops and Establishments Act, how the process works state by state, and how to keep multi-location compliance under control.
A practical guide to fixed-term employment in India: contracts, parity of benefits, gratuity, payroll mechanics, and the full hire-to-exit lifecycle.
A payroll guide to Form 12BB and investment declarations in India: the declaration-to-proof cycle, regime choice, employer duties, and avoiding year-end shocks.
How to build an employee referral program that works: reward design, a low-friction process, metrics, diversity guardrails, and a 90-day launch plan.
A complete comp-off guide for Indian employers: how it differs from overtime, accrual and expiry rules, pre-approval, payroll impact, and a policy template.
How Indian employers can build a balanced moonlighting policy: categories of side work, real risks, the legal backdrop, a disclosure workflow, and a template.
A step-by-step pay equity audit guide for Indian SMBs: raw vs adjusted gaps, comparison pools, remediation, root-cause fixes, and building a fair pay program.
A practical guide to the recruitment metrics Indian SMBs should track in 2026 - from time to hire and cost per hire to quality of hire and funnel analytics - with formulas, work...
A practical 2026 guide to gig and platform workers in India: what the Code on Social Security expects from aggregators, how to classify, contract, and pay gig workers, and how t...
A practical 2026 guide to layoffs and retrenchment in India for SMB employers: legal definitions, notice and compensation concepts, LIFO, fair selection, and a humane offboardin...
A practical, state-wise guide to Labour Welfare Fund (LWF) compliance for Indian employers: applicability, contributions, due dates, registration, and how to handle LWF in multi...
A practical, end-to-end employee onboarding guide for Indian SMBs — from preboarding and statutory documents to 30-60-90 day plans, metrics, and automation.
A practical guide for Indian SMB HR managers and founders on paternity leave: the current legal landscape, duration benchmarks, inclusive parental leave policy design, and how t...
A practical guide for Indian SMB HR teams and founders on designing an exit interview process that reduces attrition — with question banks, a ready template, confidentiality pra...
A practical playbook for Indian SMB founders, HR and payroll teams on designing variable pay and incentive plans - from targets and payout curves to documentation, TDS treatment...
A practical guide to the definition of wages under India's labour codes: how the 50% rule works, which allowances count, and how SMBs should restructure CTC and plan for PF, gra...
A practical guide for Indian HR and payroll teams on Form 16: what it covers, how to generate it from TRACES, issuance deadlines, and how to correct errors during ITR season.
Build an employee grievance redressal policy in India: legal backdrop, committee composition, step-by-step process with timelines, non-retaliation safeguards, metrics, and a tem...
How to run a fair, legally sound performance improvement plan in India: when to use a PIP, calibrated goals, manager scripts, documentation standards, and closing with dignity.
An employer guide to night shift rules for women employees in India: written consent, transport and security safeguards, state-wise compliance, policy template, and a 60-day rol...
How SMBs can hire apprentices in India: the Apprentices Act framework, NAPS and NATS benefits, contracts and stipends, a compliance checklist, and a 90-day program launch plan.
A practical guide to switching payroll software mid-year in India: YTD data migration, PF/ESI/TDS continuity, parallel runs, cutover checklist, and post-migration reconciliation.
Build a practical competency framework and skills matrix for a 20-200 person company: proficiency levels, skills gap analysis, and links to hiring, reviews, promotions, and L&D.
How SMBs can tap career-break talent with a returnship program: program design, sourcing, structured evaluation, onboarding and mentorship, plus a 90-day rollout plan.
Which statutory registers Indian employers must maintain — muster roll, wage register, leave and overtime records — plus digital formats, retention guidance, and inspection read...
An end-to-end guide to monthly payroll processing in India: input collection, gross-to-net calculation with worked examples, statutory deductions, payslips, disbursement, and po...
How to design a hybrid work policy for your Indian SMB: models, eligibility, anchor days, attendance capture, presence equity, compliance notes, and a copy-adaptable template.
OKRs vs KPIs explained with examples: key differences, when to use each, how to write measurable key results, KPI tables by function, and a 90-day rollout plan for small teams.
When PF and ESI apply to your startup, how to count employees correctly, step-by-step EPFO and ESIC registration, documents needed, and a first-90-days compliance setup checklist.
What agentic AI actually means for HR operations: real use cases across recruitment, payroll, and compliance, human-in-the-loop guardrails, vendor evaluation questions, and a pi...
Casual, sick, earned and every other leave type explained — entitlements, accrual, carry-forward and encashment mechanics, plus a step-by-step playbook to design a leave policy...
A complete guide to employee background verification for Indian employers: check types, when to verify, consent, vendor selection, a step-by-step BGV workflow, and handling disc...
How to design an attendance regularization policy: correction types, monthly limits, approval workflows, capture modes, edge cases, health metrics, and a copy-adaptable template.
CTC, gross, and net salary untangled with worked examples: every salary component, employer-side costs, deductions, tax regime effects, and how to communicate offers transparently.
A practical playbook for skills-based hiring in Indian SMBs: skills profiles, work samples, structured interviews, AI-proof assessments, frontline adaptations, and a 30-day roll...