The IBPS Clerk post remains one of the most sought-after roles in the Indian banking sector due to its attractive salary, job stability, and career growth opportunities. In 2025, the initial basic pay for an IBPS Clerk is ₹19,900 per month, with the in-hand salary ranging between ₹28,000 to ₹30,000, depending on location and allowances. Clerks also receive benefits such as Dearness Allowance (DA), House Rent Allowance (HRA), Transport Allowance, and more, making the overall compensation highly appealing. With lakhs of candidates applying every year, understanding the complete salary structure and benefits is crucial. This article provides a detailed breakdown of the IBPS Clerk Salary 2025, allowances, job profile, and promotion hierarchy.
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. All appointed candidates are required to undergo probation for 6 months.
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IBPS Clerk Salary Structure
The initial basic pay of an IBPS Clerk is ₹19,900 per month, and the total in-hand salary after deductions typically ranges between ₹28,000 and ₹30,000 per month.
| 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 In-Hand Salary | ₹29,453.67 |
IBPS Clerk In Hand Salary
The in-hand salary of an IBPS Clerk in 2025 is one of the key factors attracting candidates to this role. After including allowances like Dearness Allowance (DA), House Rent Allowance (HRA), and Transport Allowance—and deducting standard contributions such as Provident Fund (PF) and National Pension Scheme (NPS)—the net in-hand salary ranges between ₹28,000 to ₹30,000 per month, depending on the posting location. This take-home pay provides a solid financial foundation for candidates starting their careers in the banking sector, along with long-term job security and additional benefits.
IBPS Clerk Pay Scale
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
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)
IBPS Clerk Salary Slip
This salary slip is a valuable document for employees. It can be used for applying for loans or other personal financial purposes. 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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