Joined citi on 5th January
I can see payroll cut off 6th January. So we will receive only 2 days salary???

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Cut off date means you will get that month salary in next month, if you join after cutoff date. You joined before cutoff so u will get in jan month only from 5th to 31st

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No, you will get till January 31st only..

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Since 24th & 25th are holidays, yes it will be on 23rd.

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