PNB LBO Salary 2025, In Hand Salary, Perks, and Allowances

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Published on 27 November 2025 by
PNB LBO Salary

The Punjab National Bank (PNB) offers an impressive salary package for the Local Bank Officer (LBO) post under the Junior Management Grade Scale-I (JMGS-I). This article explains the complete PNB LBO Salary 2025, including the pay scale, increments, allowances, perks, and expected in-hand salary. It also answers common questions that candidates typically search for before applying.

What is the PNB LBO Salary?

The PNB LBO salary starts at ₹48,480 per month as basic pay and increases steadily with periodic increments and promotions. Along with the basic pay, officers receive multiple allowances such as DA, HRA, CCA, and performance-based incentives, making the total in-hand salary significantly higher- typically ₹80,000 to ₹85,000 per month depending on the posting location and benefits. Check the PNB Local Bank Officer Salary as per the PNB LBO Notification 2025 in this article.

ParticularsDetails
Post NameLocal Bank Officer (LBO)
GradeJunior Management Grade Scale-I (JMGS-I)
Starting Basic Pay₹48,480 per month
Maximum Basic Pay₹85,920 per month
Pay Scale₹48,480 – 2000×7 – 62,480 – 2340×2 – 67,160 – 2680×7 – 85,920
AllowancesDA, HRA, CCA, Medical, Incentives
Approx. In-Hand Salary₹80,000 – ₹85,000 (depending on city & perks)

What is the pay scale for PNB LBO?

The PNB LBO Pay Scale is Rs. 48480-2000/7-62480-2340/2- 67160-2680/7-85920. Check the breakdown of the pay scale below.

  • ₹48,480 + ₹2,000 every 7 months (initially)
  • ₹62,480 + ₹2,340 after 2 years
  • ₹67,160 + ₹2,680 every 7 months thereafter
  • Maximum Salary: ₹85,920 per month

How the PNB LBO Salary progresses?

The PNB LBO Salary progression details are given below:

  • ₹48,480 + ₹2,000 every 7 months (initial growth)
  • After reaching ₹62,480 → +₹2,340 for 2 years
  • After reaching ₹67,160 → +₹2,680 for every 7 months
  • Maximum salary reaches ₹85,920 per month

PNB LBO Salary Structure 2025

The salary structure of PNB LBO 2025 includes multiple financial components that contribute to the overall compensation package. Apart from the basic pay, officers are entitled to various allowances and benefits that enhance their monthly and annual income.

ComponentDetails
Basic Pay₹48,480 – 85,920 (depending on service years)
Dearness Allowance (DA)Revised quarterly based on CPI (approx. 35%–40% of basic pay)
House Rent Allowance (HRA)Varies by posting location (7%–9%)
City Compensatory Allowance (CCA)As per bank norms (for metro postings)
Medical AllowanceReimbursed as per bank policy
In-Hand Salary₹80,000 – ₹85,000 (approximate)
check PNB LBO Syllabus and exam pattern

What allowances will I receive as a Local Bank Officer in PNB?

In addition to the basic pay, PNB Local Bank Officers receive several allowances that make the position more financially rewarding. These allowances are revised periodically according to the bank’s internal policies and government norms.

  • Dearness Allowance (DA): Linked to the Consumer Price Index and revised quarterly.
  • House Rent Allowance (HRA): Provided as per the place of posting metro, urban, or rural.
  • Medical Benefits: Comprehensive medical insurance for employees and dependents.
  • Performance-Based Incentives: Additional rewards for achieving business and operational targets.
  • City Compensatory Allowance (CCA): For officers posted in metro cities.
  • Travel & Leave Concessions: Leave Travel Concession (LTC) and reimbursement of travel expenses.

PNB LBO Benefits & Perks

Beyond salary and allowances, Punjab National Bank provides numerous benefits that make the LBO role even more appealing. These perks ensure financial security and professional development throughout an officer’s career.

  • Retirement Benefits: Pension, gratuity, and provident fund contributions.
  • Medical Coverage: For employees and dependents.
  • Leave Encashment: Unused leaves can be encashed at the end of service.
  • Job Security: Permanent and stable public sector employment.
  • Career Growth: Opportunities for promotion to higher management roles through internal exams and performance.
  • Increments for JAIIB/CAIIB: Officers with these certifications receive additional increments.

Is the PNB LBO In-Hand Salary High?

Yes. The in-hand salary ranges between ₹80,000 – ₹85,000 depending on the posting city and allowances. This makes it one of the most attractive compensation packages in PSU banking for a Scale-I role.

FAQs

Q1: What is the starting salary of PNB LBO in 2025?
A1: The starting basic salary of PNB LBO 2025 under the JMGS-I scale is ₹48,480 per month, excluding allowances such as DA, HRA, and CCA. The in-hand salary initially ranges between ₹80,000–₹85,000, depending on the posting location.

Q2: What is the pay scale for the PNB Local Bank Officer (LBO) 2025?
A2: The PNB LBO Pay Scale 2025 follows a structured format: ₹48,480 – 2000×7 – 62,480 – 2340×2 – 67,160 – 2680×7 – 85,920, providing steady growth through regular increments and promotions.

Q3: What allowances are included in the PNB LBO Salary 2025?
A3: The PNB LBO Salary 2025 includes several allowances such as Dearness Allowance (DA), House Rent Allowance (HRA), City Compensatory Allowance (CCA), medical benefits, and performance-linked incentives, as per government and bank guidelines.

Q4: What is the approximate in-hand salary of a PNB LBO in 2025?
A4: The in-hand salary of a PNB LBO 2025 ranges from ₹80,000 to ₹85,000 per month, depending on the location of posting, grade pay, and other allowances.

Q5: Does the PNB LBO Salary 2025 include any additional benefits?
A5: Yes, apart from the fixed pay and allowances, PNB LBOs receive additional benefits such as pension, gratuity, medical insurance, leave encashment, and incentives for JAIIB/CAIIB certifications, ensuring long-term career growth and financial stability.