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The basic salary for an IBPS PO is Rs. 48480/- along with HRA, DA and several allowances.
Has the Dearness Allowance been revised under the 12th Bipartite Agreement?
Yes, the Dearness Allowance has been revised under the IBPS PO Salary 2025, and it is now reduced to 23.87%.
What is the IBPS PO In Hand Salary 2025 after deducation?
When you get hired as an IBPS Probationary Officer, your starting IBPS PO Salary 2025 package is between Rs. 74,000/- to Rs. 76,000/-.
What will be the IBPS PO Salary after 10 years?
The IBPS PO Basic Salary after 10 years will be vary around Rs. 69,840/-.
Are there any special allowances provided to IBPS POs?
Yes, IBPS POs receive a special allowance of Rs. 12,847.20 in addition to their basic pay. This allowance is designed to provide extra financial support to the employees.
IBPS PO Salary 2025, In Hand, Per Month, Structure, Perks and Benefits
IBPS PO salary after the Bi-Partite Agreement is INR 48,480 along with HRA, DA, and the comprehensive details of the IBPS PO Salary 2025, including the revised salary structure, pay scale, job profile, and various benefits, are mentioned here.
Lata Negi21 Jul, 2025
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IBPS PO Salary 2025: Every year, IBPS recruits graduates for Probationary Officer (PO) posts, a highly sought-after position with excellent wages.
A lot of prospective bankers wonder if banks adhere to the 7th Pay Commission, but they use the two-way agreement when it comes to pay adjustments. We cover all the apects of IBPS PO Salary 2025, an officer should think about before applying to work for one of the 11 banks taking part in IBPS.
The current basic pay as per the revised salary structure for IBPS PO 2025 is Rs. 48480/-. Explore the Revised IBPS PO Salary Structure, pay scale, job profile, career opportunities, and allowances provided below.
IBPS PO Salary 2025
The IBPS PO In Hand Salary 2025 per month ranges between Rs. 74,000/- to Rs. 76,000/- depending on the city of posting and allowances provided.
IBPS PO have opportunities for career advancement, which can lead to higher positions such as Assistant Manager, Manager, and beyond, along with corresponding salary increases.
IBPS PO Salary 2025 is undere the basic pay of Rs 48,480. The complete pay scale is Rs 48,480–1,740(7)–60,660–2,130(2)–64,920–2,680(7)–85,920, indicating periodic increments over the course of the officer’s career.
According to the latest settlement, employees will get a 15% hike in the payslip component. This has to be followed by public sector banks till the time a new settlement is released. Candidates shortlisted for IBPS PO post will be placed in JMGS-I or Grade 1 Junior Management post.In addition to the IBPS PO Basic Pay, candidates get other allowances like Dearness Allowance (DA), House Rent Allowance (HRA), City Compensatory Allowance (CCA) and Special Allowances. Here we have discussed about IBPS PO Salary, Job Profile, Career Growth and Promotion Policy. Check the tabulated below details for the updated IBPS PO Salary 2025, salary structure as per the 11th Bipartite Agreement.
IBPS PO Salary Structure 2025
Constituents
Amount
Basic Pay
Rs. 48480.00
Dearness Allowance
Rs. 10277.76
Special Allowance Basic
Rs. 12847.20
Special Allowance DA
Rs. 2723.61
Learning Allowance
Rs. 850.00
Learning Allowance DA
Rs. 180.20
House Rent Allowance
Rs. 4848.00
CCA/LOC A
Rs. 2300.00
Contributory Pension-Employer
Rs. 8226.00
Gross salary
Rs. 90732.77
Deductions
Rs. 14302.00
Net Salary
Rs. 76430.77
IBPS PO In-Hand Salary 2025
When you get selected as an IBPS Probationary Officer, your starting IBPS PO Salary 2025 package is between Rs. 74,000/- to Rs. 76,000/-. This includes various components like dearness allowances, special allowances, house rent allowance (HRA), and other additional benefits. Your gross salary before any deductions is around Rs. 90732.77/-.After taking out the necessary deductions, your actual in-hand salary will be around Rs. 76430.77/-, which is the amount you will receive in your bank account.
IBPS PO Basic Pay 2025
revised pay scales indicate a higher starting basic pay of Rs. 48,480/- for new appointies, reflecting updates aligned with the 12th Bipartite Settlement or other revisions. With the revised basic pay, the IBPS PO Gross Salary can be around Rs. 90,000/-, and the in-hand salary for freshers can be approximately Rs. 74,00/- to Rs. 76,000/- per month, depending on the city of posting and applicable allowances
IBPS PO Salary Per Month
The overall salary, including allowances, is about ₹90,732.77, however the beginning salary for an IBPS PO (Probationary Officer) is ₹48,480. After deductions, the monthly pay that is in hand is around ₹76,430.77. This includes base salary as well as extra perks like House Rent Allowance (HRA), Dearness Allowance (DA), and others.
IBPS PO Salary Deduction 2025
According to the rules, there are certain legal deductions, banks must deduct the amount before the monthly salary. Deductions are also required when calculating personal income tax. Deductions are mentioned in the table below
IBPS PO Salary Deduction 2025
Deductions
Amount (Rs.)
Professional Tax
Rs. 200.00/-
Contribution to Pension- Employee
Rs. 5876.00/-
Contribution to Pension- Employer
Rs. 8426.00/-
Total Deduction
Rs. 14302.00/-
IBPS PO Gross Salary 2025
The IBPS PO Gross Salary 2025, after the 12th Bipartite Settlement for Probationary Officer post, is approximately Rs. 90732.77. This includes the basic pay of Rs. 48,480/- and various allowances like Dearness Allowance (DA), House Rent Allowance (HRA), and other benefits.
After deductions, the IBPS PO In-hand salary is around Rs. 76,000/- per month. The IBPS Probationary Officer Gross Salary may vary depending on the location, individual allowances, and bank.
IBPS PO Salary After 8th Pay Commission
The IBPS PO salary after the 7th Pay Commission is highly competitive, with a starting in-hand salary of around Rs. 76,000 per month, plus a range of allowances and career growth opportunities.
Candidates will enjoy several benefits and perks, and career growth opportunities with experience and internal examination.
IBPS PO Perks and Allowances 2025
IBPS PO perks and benefits 2025 are discussed here.Check the table below for a quick overview of IBPS PO salary with allowances 2025:
IBPS PO Perks and Allowances
IBPS PO Basic Pay
Rs. 48480.00 ( Increment in 4 stages)
House Rent Allowances
7% to 9% of the basic pay
Dearness Allowance
23.87% of the Basic Pay (Varies based on inflation rates)
City Compensatory Allowance (CCA)
3% or 4% (depending on the place of posting)
Special Allowance
7.75% of the basic pay
IBPS PO House Rent Allowance (HRA): The HRA is a part of the IBPS PO Salary 2025 that varies depending on the city where the PO is posted. It can be 9.0%, 8.0%, or 7.0% of the basic salary, depending on whether it's a metro city, a big city, or another location.
IBPS PO Dearness Allowance (DA): DA is an allowance given as a percentage of the basic salary. It is revised every three months based on the inflation rate, which is measured by the All India Consumer Price Index Data published by the Government of India.
IBPS PO Special Allowance (SA): Approximately 7.75% of the base pay is made up by this allowance, which was increased during the most recent wage adjustment. It became active in November 2017.
IBPS PO City Compensatory Allowance (CCA): CCA varies based on the type of city. It can be 0%, 3%, or 4% of the basic salary.
In addition to these allowances, an IBPS PO also enjoys other benefits like Learning Allowance, Travelling Allowance, Newspaper Reimbursement, Medical Aid, and benefits under the New Pension Scheme.
Learning Allowance : Provided to facilitate continuous learning and skill development.
Traveling Allowance : Reimbursement for travel expenses incurred during official duties.
Newspaper Reimbursement : Compensation for newspaper expenses.
Medical Aid : Provision for medical expenses.
Benefits under New Pension Scheme : Retirement benefits as per the New Pension Scheme guidelines.
IBPS PO Promotion Policy
In the public sector banks, the promotion policy for IBPS Probationary Officers (POs) follows uniform guidelines that are issued by the Ministry of Finance(Government of India). The different stages of promotion for an IBPS PO are:
Promotional Channels for PO in Public Sector Banks
An IBPS Probationary Officer JMGS I (Junior Management Grade Scale I) or probationary officers in banks earn between Rs. 74,000/- to Rs. 76,000/-. For other Scale officers:
MMGS II (Middle Management Grade Scale II)
MMGS II (Middle Management Grade Scale III)
SMGS IV (Senior Management Grade Scale IV)
SMGS V (Senior Management Grade Scale V)
IBPS PO Job Profile 2025
Probationary Officer in the banking sector has a good reputation and is the most wanted position among graduates. Many banking aspirants are curious about the functions and responsibilities of the PO employee. We have defined the work profile, responsibilities, and tasks that a Probationary Officer must handle after being selected in this section.
Training: The selected IBPS PO candidate will be appointed as an assistant manager and undergo training at the bank's training academies. The duration of this training period varies from bank to bank.
Post-training: after completion of the training, the candidate will be transferred to another branch at the discretion of the bank and undergo a 2-year probationary period. During this time, the candidate will be exposed to several aspects of banking.
Probationary period: During the probationary period, the candidate learns about the practical aspects of banking, such as marketing, financing, general banking, and investing.
Post Tentative Responsibilities: After being confirmed as Assistant Manager, PO Duties will be:
Reception Management: Guiding customers, handling complaints, presenting products, and issuing DDs, checks, and ATM cards.
Bring new business: promote new systems and attract new customers to the bank.
Job control: Supervise the duties of bank clerks such as cash management, account opening, customer interaction, and receiving and checking cash payments.
Management of Different Departments: You have a working knowledge of departments such as Marketing, Finance, Credit, and Accounting.
Loan processing: Monitoring the loan process, including documentation and expenses.
This sums up the key responsibilities of a Probationary Officer in the banking sector.
IBPS PO Salary after 5 years
The estimated monthly income for an IBPS PO after five years is between ₹60,000 and ₹65,000. This covers base salary with yearly increments as well as additional perks like House Rent Allowance (HRA) and Dearness Allowance (DA). With yearly increases of ₹980, the starting base salary of ₹48,480 is increased, and allowances might add ₹10,000 to ₹15,000.
IBPS PO Salary Slip
We have provided you with information on the IBPS PO Salary Slip. This Pay Slip can be used as a guide to get an idea of the pay that was credited to an IBPS Probationary Officer's (PO) account.
Basic Pay: Rs. 48,480/-
Dearness Allowance (DA): Approximately Rs. 10,277.76 (about 19.83% of basic pay, revised quarterly based on inflation)
Special Allowance: Around ₹12,847.20
DA on Special Allowance: ₹2,723.61
Learning Allowance: ₹850
DA on Learning Allowance: ₹180.20
House Rent Allowance (HRA): Varies by city — typically 7% to 9% of basic pay (e.g., ₹4,848 in some cases)
City Compensatory Allowance (CCA): ₹1,200 to ₹2,300 depending on location
Other Allowances: May include traveling allowance, newspaper reimbursement, medical aid, etc.
IBPS PO Salary after 10 years
Depending on promotions and the current salary schedule, an IBPS PO's compensation after ten years, including basic pay and allowances, might vary from ₹85,000 to ₹1,00,000 or more. Potential promotions to higher scales (such as Scale 2 or Scale 3) and the effect of the 13th bipartite settlement on pay are considered in this calculation.
IBPS PO Career Growth
The Probationary Officer career path is quite appealing, with numerous chances even after the candidate has been hired. The possibilities that follow after holding the post of IBPS PO are listed below based on their performances, experiences, and knowledge. To obtain the promotion, the candidate must appear in IBPS tests on a regular basis.
Middle Manager: Middle Management Grade Scale 2: After gaining experience and demonstrating good performance, a PO can get promoted to the position of a Middle Manager in Grade Scale 2.
Senior Manager: Middle Management Grade Scale 3: Further advancement leads to the position of Senior Manager in Grade Scale 3, which comes with increased responsibilities.
Chief Manager: Senior Management Grade Scale 4: With more experience and expertise, a PO can become a Chief Manager in Grade Scale 4, holding a senior management position.
Assistant General Manager: Senior Management Grade Scale 5: Progressing higher, the next role is Assistant General Manager in Grade Scale 5, with greater responsibilities in senior management.
Deputy General Manager: Top Management Grade Scale 6: A successful PO can become a Deputy General Manager in Grade Scale 6, occupying a top management position in the bank.
General Manager: Top Management Grade Scale 7: Further growth leads to the position of General Manager in Grade Scale 7, with significant influence and responsibility within the bank.
Executive Director: The Executive Director role involves playing a crucial part in the bank's decision-making and overseeing various departments.
Chairman and Managing Director: The highest position is Chairman and Managing Director, where one leads the bank's operations and holds the highest authority.
To attain these higher positions, candidates need to appear in promotional exams conducted by IBPS at different stages of their careers. The career growth opportunities are vast and attractive for an IBPS Probationary Officer, based on their performance, experience, and knowledge.
IBPS PO Salary and Career
In the banking industry, the IBPS PO (Probationary Officer) position provides an attractive salary and opportunities for professional advancement. With a gross salary of around ₹90,732.77 and an estimated in-hand salary of ₹76,430.77 after deductions, the beginning basic pay is ₹48,480. To advance in your career, you must be promoted to middle manager, senior manager, and higher.
Participating Bank For IBPS PO 2025
The banks that will be taking part in the IBPS PO 2025 are listed below. The list for Participating Banks will be updated whenever the notification is received.
Participating Bank For IBPS PO 2025
S. No.
Bank Name
1.
Bank of Baroda
2.
Bank of India
3.
Bank of Maharashtra
4.
Canara Bank
5.
Central Bank of India
6.
Indian Bank
7.
Indian Overseas Bank
8.
Punjab National Bank
9.
Punjab & Sind Bank
10.
UCO Bank
11.
Union Bank of India
We hope you find this IBPS PO Salary 2025, Salary Structure, Job Profile, Perks & Allowances information useful. So, if you have any questions or worries about the Banking exams, please get in touch with us. To aid in exam preparation, the PW App also offers live and recorded lectures, live exams, quizzes, and much more.
