IBPS Clerk Salary 2025 Per Month, Salary Structure, Perks, Benefits and Allowances
Lata Negi8 Aug, 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.
IBPS Clerk Calendar 2025 Out- Click to Check
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.
| IBPS Clerk after the 11th Bipartite Settlement | |
| IBPS Clerk Pay Scale 2025 | Rs.19900-1000/1-20900-1230/3-24590-1490/4-30550-1730/7-42600-3270/1-45930-1990/1-47920 |
IBPS Clerk Salary after 8th Pay Commission
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.
IBPS Clerk Salary 2025 FAQs
Q1. What is the basic IBPS Clerk salary 2025?
Q2. What is the net IBPS Clerk Salary?
Q3. What benefits and allowances are included in the IBPS Clerk's Salary?
Q4. What is the Job Profile of an IBPS Clerk?
Q5. Is IBPS Clerk a permanent job?
Q6. How do I get a promotion as an IBPS Clerk?
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