The IBPS Clerk post remains a popular career choice in the Indian banking sector due to its revised salary, job security, and growth prospects. As per the 12th Bipartite Settlement, the starting basic pay for an IBPS Clerk in 2025 is Rs. 24,050, with an in-hand salary of approximately Rs. 39,000 to Rs. 40,000 per month. In addition to the basic pay, clerks receive several allowances, such as Dearness Allowance (DA), House Rent Allowance (HRA), and Transport Allowance, making the overall compensation attractive. With thousands of vacancies every year, understanding the salary structure, benefits, and career path is essential.
IBPS Clerk Salary 2025
After the 12th Bipartite Settlement, the IBPS Clerk Salary has been increased, giving better pay and benefits to new employees. The starting basic salary is now Rs. 24,050 per month, up from the earlier Rs. 19,900. The salary grows every few years through a fixed pay scale, and it can go up to Rs. 64,480 after 20 years of service. The final monthly salary includes extra allowances like Dearness Allowance (DA), House Rent Allowance (HRA), Special Allowance, and Transport Allowance. After some deductions (like pension and tax), the in-hand salary is around Rs. 39,000 to Rs. 40,000 per month.
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IBPS Clerk Salary Structure 2025 (Revised)
The starting basic pay for an IBPS Clerk is now Rs. 24,050 per month following the revision. With allowances like Dearness Allowance (DA), House Rent Allowance (HRA), Special Allowance, and Transport Allowance, the gross monthly salary goes up to around Rs. 40,720. After deductions (such as pension and professional tax), the net in-hand salary is approximately Rs. 39,412. Check the details of the IBPS Clerk Salary Structure 2025 below.
| Particulars | Amount (Rs.) |
|---|
| Basic Pay | 24,050.00 |
| Dearness Allowance (19.83%, revised Nov 2024) | 4,769.12 |
| Special Allowance | 7,083.45 |
| SPL DA | 1,114.23 |
| House Rent Allowance (HRA) | 2,739.83 |
| Transport Allowance | 850.00 |
| TA DA | 133.71 |
| Gross Salary | 40,720.34 |
IBPS Clerk In Hand Salary 2025
The in-hand salary of an IBPS Clerk in 2025 is a major reason why many candidates choose this role in public sector banks. With the revised pay structure after the 12th Bipartite Settlement, the starting gross monthly salary is around Rs. 40,720. After standard deductions like Provident Fund (PF), National Pension Scheme (NPS), Professional Tax, and Death Relief Fund, the net in-hand salary comes to approximately Rs. 39,000. The final amount may vary slightly based on the posting location. This salary, combined with job stability, career growth, and government benefits, makes the IBPS Clerk role a smart and secure career choice.
IBPS Clerk Pay Scale 2025
The IBPS Clerk pay scale follows a structured progression that ensures steady financial growth over time. As per the 12th Bipartite Settlement, the starting basic pay is Rs. 24,050, and it increases at regular intervals through annual increments. The full pay scale is structured as: Rs. 24,050–1340/3–28,070–1650/3–33,020–2000/4–41,020–2340/7–57,400–4400/1–61,800–2680/1–64,480, completed over a span of 20 years.
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IBPS Clerk Allowances
Besides the basic pay, clerks enjoy several financial perks and allowances, which vary based on the city of posting and bank policies:
- Dearness Allowance (DA): ~4% of basic pay; revised quarterly.
- House Rent Allowance (HRA):
- Metro Cities: 8.5% of Basic Pay
- Cities >5 Lakhs Population: 7.5%
- Other Cities: 6.5%
- Transport Allowance (TA): Fixed monthly benefit.
- Medical Allowance: ₹2,000 annually (fixed).
- Special Allowance: ₹4,118 with annual increment.
- Travel Reimbursement: For official tours and travel.
| City Type | HRA % of Basic Pay |
|---|
| Metro Cities | 8.5% |
| Cities with a population of over 5 lakhs | 7.5% |
| Other Cities | 6.5% |
IBPS Clerk Job Profile
The IBPS Clerk role includes various responsibilities in banking operations. Below is an overview of the key duties:
- To manage inquiry corners, receipts, withdrawals, etc. A clerk also deals with opening new accounts, cash collection, issuing bank statements, and handling mail and delivery.
- Sanctioning of withdrawals by customers is also a part of the responsibilities.
- This job profile is also known as Single Window Operator due to its front-desk and multitasking nature.
| Responsibility | Description |
|---|
| Customer Service | Handling customer queries, passbook updates, and complaints. |
| Cash Management | Deposits, withdrawals, and handling transactions. |
| Document Verification | Checking and verifying submitted documents. |
| Ledger Maintenance | Maintaining financial records and balance sheets. |
| Account Handling | Opening bank accounts and issuing demand drafts (DDs). |
| Treasury Work | Assisting in treasury-related tasks. |
IBPS Clerk Career Growth
IBPS clerks have excellent promotion opportunities through two main paths:
1. Normal/Seniority-Based Promotion
- Internal written exam after 2 years of service
- No need for JAIIB/CAIIB certifications
- Promoted to Trainee Officer, then to Probationary Officer (PO)
2. Merit-Based Promotion
- Requires JAIIB & CAIIB certifications (by IIBF)
- Based on performance, certifications, and bank requirements
IBPS Clerk Promotion Hierarchy
The IBPS Clerk promotion hierarchy is as follows:
- Bank Clerk
- Officer/Assistant Manager (Scale I)
- Manager (Scale II)
- Senior Manager (Scale III)
- Chief Manager (Scale IV)
- Assistant General Manager (Scale V)
- Deputy General Manager (Scale VI)
- General Manager (Scale VII)
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