IBPS SO Salary 2025: The Institute of Banking Personnel Selection (IBPS) has a good salary for the SO post. It is better than other same-level job profiles in the banking sector. Every year, the Institute of Banking Personnel Selection (IBPS) conducts the IBPS SO Salary 2025 exam to select suitable candidates for the post of SO in different branches of the IBPS SO throughout the country. They also get various perks and benefits. Candidates, after selection, need to undergo a probation period of 6 months. In this article, we will discuss the complete IBPS SO Salary structure, along with the various perks and benefits it offers. Candidates need to read the complete article to learn more.
IBPS SO Salary 2025
Apart from security, lucrative benefits and perks, IBPS PO Salary is one of the most important reasons why candidates enter the banking sector. The basic Salary of IBPS SO is Rs 23,700, and the Personal Salary of IBPS SO is Rs 38,000/- to Rs. 39,000/-. The job of a special officer is a very prestigious job that requires special qualifications in all six different positions. Check all details about IBPS SO Salary, Job Profile, Career Growth, and Promotion Policy.
IBPS Specialist Officer Salary 2025
Check here the salary of IBPS SO (Specialist Officer) Officer Scale I, Officer Scale II & Officer Scale III.
| IBPS SO Salary 2025 |
| Grade |
IBPS SO Salary |
| Officer Scale I |
Monthly salary– Rs. 36400/- Pay Scale– Rs. 23700-980/7-30560-1145/2-32850-1310/7-42020 |
| Officer Scale II |
Monthly salary- Rs. 48800/- Pay Scale- Rs. 31705-1145/1-32850-1310/10-45950 |
| Officer Scale III |
Monthly salary- Rs. 64600/- Pay Scale- Rs. 42020-1310/5-48570-1460/2-51490 |
It is worth noting that the salary of an IBPS SO can vary based on the bank you are working for. Some banks may offer a higher salary than the one mentioned above.
IBPS SO Salary Structure 2025
Candidate can see here the salary structure for IBPS SO. Along with gross salary, this contains all the benefits, including Perks, Allowances, etc.
| IBPS SO Salary Structure |
| Particulars |
Details |
| Gross Salary |
Rs.38000-Rs.39000 |
| IBPS SO 2022 Pay Scales |
Rs. 23700-980/7-30560-1145/2-32850-1310/7-42020 |
| Dearness Allowance (DA) |
36% of Basic Pay |
| City Compensatory Allowance |
0%-4% (Depending on Tier I to Tier III city) |
| House Rent Allowance (HRA) |
7%-9%(Depends on the Location) |
| Special Allowance |
It is about 7.75% of DA+Basic (Incentive or performance-based bonus) |
| PF Contribution |
Between Rs. 3000 - Rs. 3500 |
IBPS SO Salary Slip
The IBPS SO Salary Slip offers a comprehensive summary of the monthly income and deductions for Specialist Officers. It features the basic salary, which begins at Rs. 23,700, alongside various allowances such as Dearness Allowance, House Rent Allowance, and Special Allowance. The gross salary fluctuates between Rs. 46,000 to Rs. 48,000, but following deductions like Provident Fund and Professional Tax, the take-home salary is roughly Rs. 42,000 to Rs. 44,000. The salary slip additionally displays other elements such as City Compensatory Allowance and deductions, providing a thorough overview of the total income and net pay.
IBPS SO Salary In Hand
The in-hand salary for IBPS SO in 2025 ranges roughly between ₹55,000 and ₹60,000 per month after all deductions, based on the location of posting and the specific bank's policies. This amount is the actual take-home pay credited to your account after deducting statutory contributions like Provident Fund as well as professional tax, making it a stable and attractive income for bankers.
IBPS SO Salary After 5 Years
After five years, an IBPS SO receives multiple increments as per the pay scale, taking their basic pay well above the starting figure, typically reaching around ₹62,480 plus allowances. With promotions and experience, the in-hand salary also increases substantially, making the career financially secure for the long term.
IBPS SO Salary After Revision 2025
After recent salary revisions under the 12th Bipartite Settlement, the IBPS SO salary structure now follows a progressive pay scale of Rs. 48,480-2000/7-Rs. 62,480-2340/2-Rs. 67,160-2680/7-Rs. 85,920, offering automatic increments at periodic intervals. This revision assures all Specialist Officers of transparent and structured salary growth throughout their service, in line with current industry standards.
IBPS SO Salary Quora
According to discussions and real employee experiences shared on platforms like Quora, the IBPS SO salary is admired for its steady growth, government job security, and attractive take-home package of roughly Rs. 55,000–Rs. 60,000 monthly, including all allowances. Employees also point out other benefits like medical coverage, job stability, and a good work-life balance compared to private sector banks.
IBPS SO Salary After 8th Pay Commission
If the 8th Pay Commission is implemented, IBPS SO salaries are expected to increase further, enhancing both the basic pay and allowances. While exact figures will be available only after official notification, experts predict a significant jump in both gross and in-hand components, making these positions even more lucrative than current levels.
IBPS SO Salary with Allowances 2025
The IBPS Specialist Officer (SO) salary in 2025 starts with a basic pay of Rs. 48,480, and includes several attractive allowances such as Dearness Allowance (DA), House Rent Allowance (HRA), Special Allowance, and Provident Fund. These benefits make the total compensation much higher, and the salary package also includes perks like medical benefits, lease accommodation, and leave travel concession. All these allowances together make the IBPS SO job highly rewarding for new joiners in public sector banks.
IBPS SO Perks & Benefits 2025
Apart from the attractive salary offered, IBPS SO is also eligible for other benefits. This includes Holiday Policy, Holiday Travel Allowance, Holiday Home Allowance, Transport Allowance, Newspaper Allowance, Medical Allowance, Entertainment Allowance, House and Furniture Allowance, etc. IBPS SO Officers get an allowance of Rs. 7.55 Lakh to Rs. 12.93 Lakh. It may vary according to the place of delivery and other factors.
- Conveyance Allowance - The officer gets a fixed amount of fuel and other maintenance allowance for his vehicle per month.
- Leave policy - The Officer can take many leaves as per the policy of the bank where they have been posted. Officers can take casual leaves, privilege leaves, and any medical leaves. It also permits Women Officers to take 6-month maternity leave.
- Leave Travel Concession (LTC) - LTC is a benefit that an Officer can avail of when needed. It is given at the employer’s discretion.
- Holiday Homes - Holiday homes of the banks are available for use by the officers that is posted at major cities and tourist destinations.
- Entertainment Allowance, Newspaper Allowance, and Furniture Allowance are also taken care of by Banks.
IBPS SO Job Profile
The job profile for an IBPS SO will vary depending on the specific role for which the individual is hired. Some common roles for an IBPS SO include:
IT Officer
- Data Maintenance & Support.
- Developing and Modifying Software.
- Queries related to ATM, Mobile Banking, and Internet Banking.
- Maintenance of the Computer System in the Bank.
- Take care of Network Security, Processing, and Antivirus Update.
- Support the Bank’s core banking system.
- Management of the entire IT team.
Agricultural Field Officer
- Understand the banking and core financial needs of people in rural areas.
- Give detailed information about various loans and schemes in simple language to the people in that region.
- Sanctioning of loans and paperwork related to it.
Marketing Officer
- Promote his Bank, bring new business deals and customers.
- Suggest cost-effective policies to increase the Bank's profit.
- Handle various Marketing Channels like Newspaper, Advertisements, Banners, and Promotional Events etc.
Law Officer
- Handle legal liabilities and legal affairs of the Bank.
- Prepare legal documents for various processes and assist in the legal issues of the Bank.
- Monitoring the errors and keeping the authenticity of the Bank Documents.
HR/Personnel Officer
- To keep a check on Human Resource activities.
- Study different HR policies of the Bank and suggest changes, if needed.
- Involved in the recruitment process.
- Handle cases of misconduct and wrongdoing and consult with the superiors.
Rajbhasha Adhikari (Scale-I)
The Rajbhasha Adhikari Officer will proofread and translate all the important documents that are used or circulated in the Bank. They organize training sessions for Bank personnel to promote the Official language. All the important documents are available in Hindi and English. Overall, the job profile for an IBPS SO will depend on the specific role that the individual is hired for. In general, an IBPS SO will be expected to have relevant knowledge and skills in their area of specialization, as well as strong communication and problem-solving abilities.
IBPS SO Career Growth & Promotion
In most banks and financial institutions, promotions are based on a combination of factors, including the individual's job performance, skills and qualifications, and length of service with the organization. Some banks may also have specific promotion policies in place that outline the requirements and criteria for advancement.
| IBPS SO Career Growth & Promotion |
| Officer Scale |
Post |
| Scale I |
Officer/ Assistant Manager |
| Scale II |
Manager |
| Scale III |
Senior Manager |
| Scale IV |
Chief Manager |
| Scale V |
Assistant General Manager |
| Scale VI |
Deputy General Manager |
| Scale VII |
General Manager |
It is worth noting that the salary for an IBPS SO may also be influenced by factors such as location (i.e., salaries may be higher in Tier-1 cities or more expensive areas), the individual's qualifications and skills, and the overall performance and financial health of the bank. Overall, IBPS SO needs to be aware of the factors that can influence their salary and negotiate for fair compensation based on their skills and experience.
