The IBPS Agriculture Field Officer (AFO) salary 2026 is one of the biggest attractions for candidates preparing for the IBPS Specialist Officer (SO) examination. Agriculture Field Officers are appointed as Scale I Officers in participating public sector banks and receive an attractive salary package along with Dearness Allowance (DA), House Rent Allowance (HRA), special allowance, medical benefits, pension benefits, and excellent career growth opportunities.
IBPS AFO Salary 2026
As per the latest IBPS SO 2026 notification, there has been no change in the pay level for agriculture field officers. The salary follows the revised 12th Bipartite Settlement, making the overall compensation package highly competitive. Apart from the monthly salary, AFOs receive various allowances and promotion opportunities that make it one of the most sought-after specialist officer posts in the banking sector.
| Particular | Details |
|---|
| Post | Agriculture Field Officer (Scale I) |
| Pay Scale | ₹48,480 – 2000/7 – 62,480 – 2340/2 – 67,160 – 2680/7 – 85,920 |
| Basic Pay | ₹48,480 |
| In-Hand Salary | Approximately ₹65,000–₹72,000 (varies by posting location and bank) |
| Job Level | Junior Management Grade Scale-I (JMGS-I) |
What's New in IBPS AFO Salary 2026?
Candidates often wonder whether the latest notification has introduced any changes in salary. While the recruitment process has undergone some updates, the salary structure continues under the latest industry-wide wage settlement.
- No change in the Scale I pay structure.
- Salary continues under the 12th Bipartite Settlement.
- Starting Basic Pay remains ₹48,480.
- Gross monthly salary generally ranges between ₹75,000 and ₹85,000 depending on the city.
- In-hand salary is approximately ₹65,000–₹72,000 after deductions.
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IBPS AFO In-Hand Salary 2026
The in-hand salary of an Agriculture Field Officer depends on several factors such as posting location, HRA category, DA rates, and bank-specific policies. After adding all admissible allowances and deducting PF, NPS, income tax, and other statutory deductions, the approximate monthly in-hand salary ranges between ₹65,000 and ₹72,000. The exact amount may vary depending on whether the officer receives leased accommodation or HRA and the classification of the posting city.
IBPS AFO Salary Structure 2026
The Agriculture Field Officer receives a combination of basic pay and various allowances. The table below shows the major salary components.
| Salary Component | Details |
|---|
| Basic Pay | ₹48,480 |
| Dearness Allowance (DA) | As applicable (revised quarterly) |
| House Rent Allowance (HRA) | Based on posting location |
| Special Allowance | As per bank rules |
| City Compensatory Allowance | Applicable in eligible cities |
| Transport Allowance | As per bank policy |
| Medical Benefits | Available |
| Leave Travel Concession (LTC) | Available |
| Newspaper & Miscellaneous Reimbursement | Available |
| Provident Fund | Applicable |
| National Pension System (NPS) | Applicable |
IBPS AFO Allowances and Benefits
Apart from the basic salary, Agriculture Field Officers receive several allowances and employee welfare benefits. These significantly increase the overall compensation package and provide financial security throughout their banking career.
| Allowance | Description |
|---|
| Dearness Allowance (DA) | Revised quarterly based on inflation |
| House Rent Allowance (HRA) | Depends on city of posting |
| Special Allowance | Paid along with monthly salary |
| City Compensatory Allowance (CCA) | Applicable for selected cities |
| Transport Allowance | As per bank norms |
| Medical Reimbursement | Available |
| Leave Fare Concession (LFC/LTC) | Available |
| Newspaper & Mobile Reimbursement | As per bank policy |
| Pension Benefits | Under NPS |
| Group Insurance | Available |
| Provident Fund | Employer contribution available |
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IBPS AFO Salary Deductions
Like other public sector bank officers, agriculture field officers also have certain statutory deductions from their gross salary. These deductions contribute towards retirement benefits and statutory tax obligations.
| Deduction | Purpose |
|---|
| Provident Fund (PF) | Retirement savings |
| National Pension Scheme (NPS) | Pension contribution |
| Professional Tax | State Government tax (where applicable) |
| Income Tax (TDS) | As per applicable tax slab |
| Group Insurance Premium | Employee welfare |
| Other Recoveries | Loan EMI, society membership, etc. (if applicable) |
IBPS Agriculture Field Officer Job Profile
An agriculture field officer acts as the agricultural expert in a public sector bank. The officer is responsible for promoting agricultural lending, assessing loan proposals, monitoring recovery, and supporting rural banking operations. The major responsibilities include:
- Promoting agricultural and rural banking products.
- Evaluating agricultural loan proposals.
- Conducting field inspections before loan sanction.
- Verifying land records and crop details.
- Assisting farmers regarding government subsidy schemes.
- Monitoring agricultural loan utilization.
- Recovering agricultural loans.
- Preparing field inspection and appraisal reports.
- Coordinating with NABARD and other agricultural institutions whenever required.
- Supporting branch managers in agriculture-related banking activities.
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IBPS AFO Career Growth and Promotion
Agriculture Field Officers enjoy excellent promotion opportunities based on performance, experience, internal examinations, and vacancies. Officers can gradually move into managerial and senior leadership roles within public sector banks.
| Level | Designation |
|---|
| JMGS-I | Agriculture Field Officer / Assistant Manager |
| MMGS-II | Manager |
| MMGS-III | Senior Manager |
| SMGS-IV | Chief Manager |
| SMGS-V | Assistant General Manager |
| TEGS-VI | Deputy General Manager |
| TEGS-VII | General Manager |
