IBPS Clerk Salary 2025
The IBPS Clerk Salary in 2025 is a major attraction for candidates aspiring to join the banking sector. With a stable career, attractive perks, and financial security, the IBPS Clerk position remains one of the most sought-after roles in public sector banks. The initial basic pay of an IBPS Clerk is ₹19,900 per month, with a structured pay scale that can go up to ₹47,920 over time. Along with the basic salary, clerks receive multiple allowances such as Dearness Allowance (DA), House Rent Allowance (HRA), Special Allowance, and Travel Allowance, enhancing the overall compensation package.
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IBPS Clerk Salary Structure 2025
The net pay or IBPS Clerk in-hand salary after deductions ranges between ₹25,000 to ₹30,000 per month, depending on various factors like location and allowances. The IBPS Clerk Salary structure includes a combination of basic pay and multiple allowances. Below is a detailed breakdown of the IBPS Clerk salary components:
| Salary Component | Amount (INR) |
|---|
| Basic Pay | ₹19,900 |
| Dearness Allowance (DA) | ₹5,209.82 |
| Special Allowance | ₹4,118 |
| Transport Allowance | ₹757.08 |
| House Rent Allowance (HRA) | ₹2,039.75 |
| Gross Pay | ₹32,024.65 |
| Deductions (NPS, Union Fee) | ₹2,570.98 |
| Net Pay (In-Hand Salary) | ₹29,453.67 |
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IBPS Clerk Pay Scale 2025
The IBPS Clerk pay scale follows a structured increment system based on years of service. Below is the pay scale progression for IBPS Clerks:
| Duration | Basic Pay (INR) | Yearly Increment (INR) |
|---|
| Initial | ₹19,900 | ₹1,000 |
| After 3 years | ₹20,900 | ₹1,230 |
| After next 3 years | ₹24,590 | ₹1,490 |
| After next 4 years | ₹30,550 | ₹1,730 |
| After next 7 years | ₹42,600 | ₹3,270 |
| After 1 more year | ₹45,930 | ₹1,990 |
| Maximum Basic Pay | ₹47,920 | - |
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IBPS Clerk Allowances 2025
In addition to the basic salary, IBPS Clerks receive various allowances that significantly enhance their overall earnings. Here's a breakdown of the key allowances:
- Dearness Allowance (DA) – 4% of the basic pay, revised every quarter based on CPI.
- House Rent Allowance (HRA) – Varies as per the city of posting
- Special Allowance – 7.5% of the basic pay, with increments after 1 year.
- Transport Allowance (TA) – Provided to cover commuting expenses.
- Medical Allowance – Fixed amount of ₹2,000 per year.
- Travel Allowance – Reimbursed by the bank for official tours.
| 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 2025
The IBPS Clerk role includes various responsibilities in banking operations. Below is an overview of the key duties:
| 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 and Promotion 2025
IBPS Clerks have multiple opportunities for career advancement. Promotions are granted through two processes:
- Seniority-Based Promotion – Based on experience and internal exams.
- Merit-Based Promotion – Requires passing JAIIB and CAIIB exams conducted by IIBF.
IBPS Clerk Promotion Hierarchy:
Check the IBPS Clerk promotion hierarchy below:
- 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)
IBPS Clerk Salary Slip 2025
The IBPS Clerk Salary Slip provides a breakdown of earnings and deductions:
- Basic Pay: ₹19,900
- Allowances: ₹14,337 (DA, HRA, Special Allowance, etc.)
- Gross Salary: ₹34,237
- Deductions: ₹2,213 (PF, Union Fee, etc.)
- Net Salary: ₹32,024
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