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The IBPS Clerk Salary 2025 is one of the key reasons why lakhs of aspirants apply for the exam every year. IBPS offers a lucrative pay package along with multiple perks, allowances, and growth opportunities. As per the 12th Bipartite Settlement, the basic pay of an IBPS Clerk is Rs. 24,050, while the in-hand salary ranges between Rs. 39,000 to Rs. 40,000 per month after adding allowances like Dearness Allowance (DA), House Rent Allowance (HRA), and Transport Allowance.
IBPS Clerk Salary 2025
After the 12th Bipartite Settlement, the IBPS Clerk Salary has been increased; the basic salary is now Rs. 24,050 per month, up from the earlier Rs. 19,900. The salary grows every few years through a fixed pay scale, and it can go up to Rs. 64,480 after 20 years of service. The final monthly salary includes extra allowances, and the in-hand salary is around Rs. 39,000 to Rs. 40,000 per month.
IBPS Clerk CSA Salary 2025
The official IBPS Clerk Pay Scale 2025 is Rs. 24050-1340/3-28070-1650/3-33020-2000/4-41020-2340/7-57400-4400/1-61800-2680/1-64480. Apart from salary, clerks also enjoy additional benefits, a stable career path, and promotional avenues. In this article, we have covered the complete details of the IBPS Clerk salary structure, allowances, job profile, responsibilities, and career growth to help aspirants understand the role better.
IBPS Clerk Salary Structure 2025
The starting basic pay for an IBPS Clerk is now Rs. 24,050 per month following the revision. With allowances like Dearness Allowance (DA), House Rent Allowance (HRA), Special Allowance, and Transport Allowance, the gross monthly salary goes up to around Rs. 40,720. After deductions (such as pension and professional tax), the net in-hand salary is approximately Rs. 39,412. Check the details of the IBPS Clerk Salary Structure 2025 below.
| Particulars | Amount (Rs.) |
|---|
| Basic Pay | 24,050.00 |
| Dearness Allowance (19.83%, revised Nov 2024) | 4,769.12 |
| Special Allowance | 7,083.45 |
| SPL DA | 1,114.23 |
| House Rent Allowance (HRA) | 2,739.83 |
| Transport Allowance | 850.00 |
| TA DA | 133.71 |
| Gross Salary | 40,720.34 |
IBPS Clerk In Hand Salary
After adding all the allowances and deducting the taxes and PF, an IBPS Clerk receives a monthly in-hand salary of around ₹39,412. This amount is credited to the employee's bank account at the end or beginning of every month. The exact figure may differ based on the place of posting due to HRA and transport allowance differences. Employees posted in metro cities may get a slightly higher salary due to higher allowances. Still, even rural postings offer a decent and consistent income.
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IBPS Clerk Pay Scale 2025
The IBPS Clerk Pay Scale is 24050-1340/3-28070-1650/3-33020-2000/4-41020-2340/7-57400-4400/1-61800-2680/1-64480. As per the 12th Bipartite Settlement, the starting basic pay is Rs. 24,050, and it increases at regular intervals through annual increments.
- Minimum Basic Pay: ₹24,050
- Maximum Basic Pay: ₹64,480
| Stage | Basic Pay (₹) | Annual Increment (₹) | Duration |
|---|
| Initial Pay | 24,050 | 1,340 | For 3 years |
| After 3 years | 28,070 | 1,650 | For next 3 years |
| After 6 years | 33,020 | 2,000 | For next 4 years |
| After 10 years | 41,020 | 2,340 | For next 7 years |
| After 17 years | 57,400 | 4,400 | For next 1 year |
| After 18 years | 61,800 | 2,680 | For next 1 year |
| After 19 years | 64,480 (Max) | - | Final Basic Pay |
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IBPS Clerk Allowances
Besides the basic pay, clerks enjoy several financial perks and allowances, which vary based on the city of posting and bank policies:
- Dearness Allowance (DA): ~4% of basic pay; revised quarterly.
- House Rent Allowance (HRA):
- Metro Cities: 8.5% of Basic Pay
- Cities >5 Lakhs Population: 7.5%
- Other Cities: 6.5%
- Transport Allowance (TA): Fixed monthly benefit.
- Medical Allowance: ₹2,000 annually (fixed).
- Special Allowance: ₹4,118 with annual increment.
- Travel Reimbursement: For official tours and travel.
| City Type | HRA % of Basic Pay |
|---|
| Metro Cities | 8.5% |
| Cities with a population of over 5 lakhs | 7.5% |
| Other Cities | 6.5% |
What deductions are there in the IBPS Clerk salary?
The major deductions in the IBPS Clerk Salary include ₹3,279 towards the pension fund (under NPS), ₹1,200 for Defined Contributory Pension, ₹150 for DRF (Defined Retirement Fund), and ₹100 as professional tax. These deductions may slightly vary from state to state. While they reduce the in-hand salary, they are important for retirement and insurance coverage, making the job financially secure.
IBPS Clerk Pay Scale with Increments
As per the 12th Bipartite Settlement, the IBPS Clerk pay scale ranges from ₹19,900 to ₹47,920. The basic pay increases at regular intervals with fixed annual increments. The first increment is ₹1,000 per year for the initial years, which later increases to ₹1,230 and ₹1,330 based on years of service. This well-structured pay progression ensures financial growth and rewards loyalty. Employees also become eligible for promotion and higher allowances with tenure.
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What is the work of an IBPS clerk?
The IBPS Clerk role includes various responsibilities in banking operations. The work of an IBPS Clerk include:
- To manage inquiry corners, receipts, withdrawals, etc. A clerk also deals with opening new accounts, cash collection, issuing bank statements, and handling mail and delivery.
- Sanctioning of withdrawals by customers is also a part of the responsibilities.
- This job profile is also known as Single Window Operator due to its front-desk and multitasking nature.
| Responsibility | Description |
|---|
| Customer Service | Handling customer queries, passbook updates, and complaints. |
| Cash Management | Deposits, withdrawals, and handling transactions. |
| Document Verification | Checking and verifying submitted documents. |
| Ledger Maintenance | Maintaining financial records and balance sheets. |
| Account Handling | Opening bank accounts and issuing demand drafts (DDs). |
| Treasury Work | Assisting in treasury-related tasks. |
IBPS Clerk Career Growth
IBPS clerks have excellent promotion opportunities through two main paths:
1. Normal/Seniority-Based Promotion
- Internal written exam after 2 years of service
- No need for JAIIB/CAIIB certifications
- Promoted to Trainee Officer, then to Probationary Officer (PO)
2. Merit-Based Promotion
- Requires JAIIB & CAIIB certifications (by IIBF)
- Based on performance, certifications, and bank requirements
IBPS Clerk Promotion Hierarchy
The IBPS Clerk promotion hierarchy is as follows:
- Bank Clerk
- Officer/Assistant Manager (Scale I)
- Manager (Scale II)
- Senior Manager (Scale III)
- Chief Manager (Scale IV)
- Assistant General Manager (Scale V)
- Deputy General Manager (Scale VI)
- General Manager (Scale VII)
What is the IBPS Clerk Training Period Salary?
All selected candidates have to undergo a probation or training period of 6 months after joining. During this time, they receive a consolidated stipend of ₹24,050 per month. Though the full benefits and allowances are not provided at this stage, basic facilities like NPS deduction and initial service-related support begin. The probation period allows candidates to understand the work culture and basic clerical functions of the bank. Upon successful completion, they are eligible for the regular pay scale.
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