IBPS AFO Salary: The Agriculture Field Officer (AFO) post under the IBPS Specialist Officer (SO) cadre offers an attractive salary package along with a range of allowances and growth opportunities in the public sector banking system. In this article, we've covered everything you need to know about the IBPS AFO Salary 2025, including the latest pay scale, in-hand salary, benefits, job profile, and promotion hierarchy. If you're aiming for a stable and rewarding career in the agriculture and banking sector, this guide will help you understand what to expect after selection.
IBPS SO AFO Pay Scale 2025
The IBPS SO AFO Pay Scale 2025 defines the structured salary progression for Agriculture Field Officers, starting with a basic pay of ₹23,700 and increasing with promotions and service years. As the IBPS AFO Notification has released already, it is important to now understanding the pay scale before applying for the post.
| Grade | Salary/ Pay Scale |
|---|
| Officer Scale I | Monthly salary– Rs. 36400/- (Pay Scale– Rs. 23700-980/7-30560-1145/2-32850-1310/7-42020) |
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IBPS AFO Salary Allowances
The list of the allowances provided is given below:
- Dearness Allowance (DA) – Approx. 36% of Basic Pay (~Rs. 8,600/-)
- House Rent Allowance (HRA) – 7% to 9% depending on the posting location
- Transport/Conveyance Allowance – Fuel reimbursement based on vehicle type (2-wheeler/4-wheeler)
- Special Allowance – 7.75% of (Basic + DA)
- City Compensatory Allowance (CCA) – Varies from 0% to 4%
- Lease Accommodation – Up to Rs. 29,500/-, as per location (optional in place of HRA)
- Provident Fund (PF) Contribution – Around Rs. 3000/- to Rs. 3500/-
- Other benefits – Newspaper reimbursement, hospitalization, pension, deputation allowance, etc.
IBPS AFO Salary 2025 Allowances Value
The allowances and benefits are presented in a tabular form as follows:
| Components | Values |
|---|
| Dearness Allowance | 36% Approx. Rs 8600/ |
| House Rent Allowance | Between 7% to 9%. ( Varies based on posting location) |
| Conveyance Allowance | Fixed amount of fuel expense depending upon 2 wheeler or 4 wheeler |
| Special Allowance | 7.75% of DA + Basic. |
| City Compensatory Allowance | As per the place of posting of the candidate, it is between 0% to 4% |
| Lease Allowance | In place of HRA, lease accommodation is optional and can be availed up to Rs 29,500/ as per the place of posting. |
| PF Contribution | It varies between Rs. 3000/ – Rs. 3500/ |
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IBPS AFO Job Profile
The job profile for IBPS SO Agricultural Field Officer is as given below-
- Promotes banks' loan products in rural areas, particularly among farmers.
- Meets and maintain a good relationship with farmers and thereby generate Leads
- Conducts pre-loan sanction inspection
- Follows up in case of recovery of loans
- Ensures the proper recovery of loan
- Getting the acknowledgement of debt
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IBPS AFO Salary 2025 Career Growth
AFOs are given opportunities to get promoted to a higher level based upon their performances. Find below the hierarchy followed at the time of promotion:
Junior Management Grade Scale 1 – Officer/ Assistant Manager.
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Middle Management Grade Scale 2 – Manager.
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Middle Management Grade Scale 3 – Senior Manager.
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Senior Management Grade Scale 4 – Chief Manager.
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Senior Management Grade Scale 5 – Assistant General Manager.
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Top Management Grade Scale 6 – Deputy General Manager.
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Top Management Grade Scale 7 – General Manager.
