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Ans. The starting salary for an IBPS clerk is Rs. 19,900/-, with a maximum of Rs. 47,920. Also, check the above page for detailed information on IBPS Clerk Salary 2025, Salary Structure, Perks and Allowances.
Q2. What is the net IBPS Clerk Salary?
Ans. The IBPS Clerk's Salary ranges from Rs.28,000 to Rs.30,000 per month. Also, check the above page for detailed information on IBPS Clerk Salary 2025, Salary Structure, Perks and Allowances.
Q3. What benefits and allowances are included in the IBPS Clerk's Salary?
Ans. Medical facility, HRA, DA, and other benefits are included in the IBPS Clerk's Salary.
Q4. What is the Job Profile of an IBPS Clerk?
Ans. The job profile of an IBPS Clerk is covered on this page. Also, check the above page for detailed information on IBPS Clerk Salary 2025, Salary Structure, Perks and Allowances.
Q5. Is IBPS Clerk a permanent job?
Ans. IBPS Clerk is a permanent job in the sense that it offers job security and the potential for a long-term career in the banking sector.
Q6. How do I get a promotion as an IBPS Clerk?
Ans. The bank holds internal exams and interviews for promotion purposes. You can apply for these exams to achieve promotion.
IBPS Clerk Salary 2025 Per Month, Salary Structure, Perks, Benefits and Allowances
IBPS Clerk Salary 2025 is Rs. 29,453.67 per month on the pay scale Rs 19900-1000/1-20900-1230/3-24590-1490/4-30550-1730/7-42600-3270/1-45930-1990/1-47920. Candidates can check details related to IBPS Clerk Salary, Job Profile, Promotion, and Annual Package.
Lata Negi31 Jul, 2025
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IBPS Clerk Salary 2025: Selected candidates for IBPS Clerical Cadre posts in various public sector banks will get a lucrative IBPS Clerk Salary along with various benefits, incentives, and perks. The main reason why thousands of candidates rush for the IBPS Clerk 2025 exam every year is the good salary. The IBPS Clerk Salary is a significant reason candidates choose banking careers.
The salary of an IBPS Clerk increases gradually as the employee continues to work and is promoted to a higher level. There is always curiosity among students about IBPS Clerk Salary, Benefits, and Allowances. Read the article below to know more about IBPS Clerk Salary.
The starting salary for an IBPS Clerk is Rs 19900 per month, and the pay scale of an IBPS Clerk is Rs. 19900-1000/1-20900-1230/3-24590-1490/4-30550-1730/7-42600-3270/1-45930-1990/1-47920. Candidates must have additional income and job profile details. Know the complete IBPS Clerk in-hand salary 2025. The table below is a quick overview of IBPS Clerk Salary 2025.
IBPS Clerk Salary 2025
Organisation
Institute of Banking Personnel Selection
Exam Name
IBPS Clerk Exam 2025
Post
Clerk
Participating Banks
11
Vacancy
To be notified
Basic Pay
Rs 19900
Allowances
Dearness Allowance, House Rent Allowance, Special Allowance, Transport Allowance
Language of Exam
English & Hindi
Official Website
www.ibps.in
IBPS Clerk Salary Pay Scale 2025
IBPS Clerk position offers an initial salary package ranging from Rs. 28,000 to Rs. 30,000 per month upon joining, with a starting basic pay of Rs. 19,900 , as stated in the official IBPS Clerk notification. This basic pay of Rs. 19,900 serves as the initial salary for an IBPS Clerk. After the training period, various perks and additional benefits are included, which can vary from one bank to another.
Facilities/Salary
Amount
Basic Pay
19900
Conveyance Allowance
757.08
Dearness Allowance
5209.82
SPL DA
4118
HRA
2039.75
Total
32024.65
Gross Salary
32024.65
IBPS Clerk Salary Pay Scale 2025
IBPS Clerk salary is the sum of basic pay and other allowances such as HRA (House Rent Allowance and Dearness allowances, etc.) The first basic pay for IBPS Clerk is INR 19,900. The IBPS Clerk pay scale is INR 19900-1000/1-20900-1230/3-24590-1490/4-30550-1730/7-42600-3270/1-45930-1990/1-47920. The minimum basic salary is INR 19,900 while the maximum is INR 47,920. Refer to the table below to understand the IBPS Clerk salary structure.
Basic Pay
Amount
Initial Basic Pay
Rs 19,900 with a yearly increment of Rs 1000
Basic Pay after 3 years
Rs 20,900 with a yearly increment of Rs 1230 for the next three years.
Basic Pay after the next 3 years
Rs 24,590 with a yearly increment of Rs 1490 for the next four years.
Basic Pay after the next 4 years
Rs 30,550 with a yearly increment of Rs 1730 for the next 7 years.
Basic Pay after the next 7 years
Rs 42,600 with a yearly increment of Rs 3270 for the next year.
Basic Pay after the next 1 year
Rs 45,930 with a yearly increment of Rs 1990 for the next year.
Basic Pay after next year
Rs 47,920 (Maximum Basic Pay).
IBPS Clerk Salary in Hand
An IBPS Clerk's monthly in-hand salary usually falls between ₹28,000 and ₹30,000; however, this might vary depending on location and other factors. This covers the home rent allowance (HRA), dearness allowance (DA), basic salary, and any other relevant benefits. The starting base salary is ₹19,900, and bonuses and benefits influence the total amount of take-home pay.
Component
Details
In-hand Salary (Monthly)
₹28,000 – ₹30,000
Basic Pay
₹19,900
Allowances Included
HRA, DA, other benefits
Salary Variation Factors
Location, bonuses, and other benefits
Total Take-home
Influenced by allowances & incentives
IBPS Clerk Salary Slip
IBPS Clerk Salary Slip allows candidates to review the initial salary details provided to newly appointed candidates. The salary adjustments are at the discretion of the authorities. Candidates will also be able to gain an insight into the in-hand salary of an IBPS Clerk, as the salary slip also mentions deductions, thereby enabling candidates to become aware of the final in-hand salary. The total gross IBPS salary is determined by adding basic pay and allowances. The net IBPS salary will be known to the candidates after the relevant deductions from the gross salary. Below, we provide information on IBPS Clerk allowances and promotion aspects.
IBPS Clerk Salary Allowances 2025
Moreover, In addition to IBPS Clerk Salary 2025, IBPS Clerks may be eligible for extra benefits depending on where they are posted. The total amount received by an IBPS Clerk includes the IBPS Clerk benefits and perks 2025, such as TA, DA, and HRA. Check out the table below for more information on IBPS Clerk salary with allowances 2025:
IBPS Clerk Salary Allowances
Special Allowance
It is 7.5 per cent of the basic pay. After completion of 1 year, it may increase from 400 to 500 Rs.
Dearness Allowance
This component is 4 per cent of the Basic Pay. DA depends on the CPI and is revised after every three months.
House rent allowance
The HRA is dependent on the location of the posting. It is 8.5 per cent of the Basic Pay for Metro Cities, 7.5 per cent of the Basic Pay for cities having a population of more than 5 lakhs, and 6.5 per cent of the Basic Pay for other cities.
Travel Allowance
These expenses are reimbursed by the banks(on official tours and travels only)
Medical Allowance
It is 2000/per year.
IBPS Clerk Salary After 5 Years
The information that candidates look at the most is the IBPS Clerk Salary after Five Years. After five years of service, the pay package becomes quite attractive. Basic salary and allowances have increased, which is the cause of the pay increase, aligned with the 7th Pay Commission recommendations. Below are the complete details of the revised structure after five years in the role.
IBPS Clerk salary after 5 years (basic pay) - Rs 24590
In hand IBPS Clerk maximum salary after 5 years - Rs. 36000 (approximately)
IBPS Clerk Salary after 12th Bipartite Settlement
The IBPS clerk salary after the 11th bipartite settlement is listed below. The base salary and year-by-year increase data are available with this IBPS clerk pay scale 2025. This allows you to discover the maximum salary for an IBPS clerk. The new basic salary for an IBPS Clerk after the 11th bipartite settlement is Rs. 19,900. The highest basic IBPS clerk pay on this level, after salary modifications, is Rs. 47920.
The 8th Pay Commission's recommendations have not yet been put into execution, and it is currently being considered. Thus, the 8th Pay Commission does not have a formal pay scale for IBPS Clerks. The 7th Pay Commission served as the foundation for the present pay system, and the 8th Pay Commission is probably going to result in higher base pay and benefits.
IBPS Salary and Allowances Can Vary Based on the Location
Please refer to the table below to understand the variations in IBPS Salary and Allowances according to different locations:
IBPS Clerk Salary Structure – Divisions
Amount paid to IBPS Clerk
Basic Pay
Rs 19,900
Dearness Allowance
Rs 5209.82
Travel Allowance
Rs 757.08
Special Allowance
Rs 4118
House Rent Allowance
Rs 2039.75
Gross Pay
Rs 32,024.65
Deduction allowed
Rs 2570.98
Total IBPS Clerk Salary
Rs 29,453.67
IBPS Clerk Salary Deduction 2025
When you calculate your net salary, certain deductions are made, some of which are prescribed by law and some of which are mandatory for organizations. Statutory deductions are provident fund, contribution to NPS, etc. Other deductions like professional tax, death benefit fund, etc. These deductions are subtracted from the gross salary to arrive at the net salary.
Particulars
Amount
Pension Fund Contribution
2886
Death Relief Fund
40
Professional Tax
60
Total
2986
IBPS Clerk Job Profile and Salary
IBPS Clerk Job Profile contains many tasks and not only accounting-related tasks, but also includes customer service and leadership. An IBPS officer is the first point of contact for bank-related queries and queries. He handles reception and customer management functions, and hence his job profile is also known as a single window operator. The responsibilities of an IBPS officer are as follows:
Here are the key job responsibilities of an IBPS Clerk:
Bank office clerks are deployed in the back office for various tasks like maintenance of ledger, bank receipt collection, and handling the daily closure details
Updation of Passbooks of account holders at counters
Printing of receipts for cheques and demand drafts
bank clerks also hold bank keys, safe keys under their protection
They are often placed at the query window to act as an information counter for the customers.
Handling the deposit and withdrawal of cash.
Verification of various documents and proofs submitted by the customers
Responsible for bank cash, various important documents, keys, etc.
Sanctioning of withdrawals by the customers
Maintaining the various documents of the bank, balance sheets, ledgers, etc.
Resolving the various issues of the customers
Issuing of Demand Drafts (DDs), bank accounts for the customers, cash receipts, etc
Providing information about the latest schemes and government policies
Guiding customers regarding various banking activities
Attending to treasury works
Resolving queries of the customers
Miscellaneous tasks
IBPS Clerk Promotion
IBPS Clerk position offers significant opportunities for career growth and advancement within the banking sector. It allows individuals to gain valuable experience and demonstrate their potential and merit in the banking industry. To be eligible for promotions, A clerk typically needs to serve a minimum period of 3 years, although some banks may require 2 years. Promotions can occur through two different processes:
Normal/Seniority Process: In this process, promotions are based on experience and seniority. Banks conduct internal written exams for eligible candidates. After successfully passing the exam, IBPS Clerks can be promoted to the role of Trainee Officers and then to Bank Probationary Officers (POs).
Merit-Based/Fast Track Process: Under this process, candidates must hold JAIIB (Junior Associate of the Indian Institute of Bankers) and CAIIB (Certified Associate of the Indian Institute of Bankers) diplomas from the Indian Institute of Banking and Finance (IIBF).
The promotion hierarchy for IBPS Clerk positions, in ascending order, is as follows:
Clerk > Officer > Senior Officer > Assistant Manager > Manager > Senior Manager > Chief Manager > Assistant General Manager > Deputy General Manager > General Manager
Candidates who join the bank through the PO (Probationary Officer) program will enter directly into the Assistant Manager cadre post-confirmation as Management Trainees. The hierarchy for POs is as follows:
Assistant Manager (Scale 1)
Manager (Scale 2)
Senior Manager (Scale 3)
Chief Manager (Scale 4)
Assistant General Manager (Scale 5)
Deputy General Manager (Scale 6)
General Manager (Scale 7)
The Clerk position serves as an entry-level role in the banking industry, and with experience and dedication, individuals have ample opportunities to prove their capabilities, secure promotions, and eventually reach senior positions within the banking sector.
IBPS Clerk Career Growth
Career growth in IBPS Clerk positions typically begins with promotions. As clerks gain experience and work for a specific period, they become eligible for promotions to higher roles within the bank. These promotions may include positions such as Officer/Assistant Manager, Manager, and more.
To enhance career growth prospects, continuous skill development and knowledge enhancement in various banking functions are essential. Participating in training programs, workshops, and obtaining certifications related to banking and finance can significantly improve job prospects and open doors to new opportunities.
