10 August 2013
YOU MAY OBTAIN THE COPY OF YOUR LEDGER ACCOUNT AND A SALARY CERTIFICATE ON THE EMPLOYER'S LETTER HEAD SIGNED BY THE EMPLOYER OR HIS OFFICER.
10 August 2013
for bank loan purpose salary certificate is enough if you want to file ITR. as you mentioned it is cash salary then you can file ITR on that certificate also if no TDS then employer will not issue you form 16.
11 August 2013
Correct now a days it is practical problem that form 16 is generated from tds cpc website only if tds is deducted from your salary otherwise not. In no tds deducted then salary certificate on company letterhead is sufficient as I am also providing same to employees in my company