The IBPS SO 2025 offers a competitive salary package along with various allowances and benefits, making it a sought-after role in the banking sector. The pay scale is structured as Rs. 48480-2000/7-62480-2340/2-67160-2680/7-85920, which includes regular increments based on years of service. In addition to the basic pay, Specialist Officers receive allowances such as DA, HRA, CCA, and medical benefits. The in-hand salary typically ranges from Rs. 60,000 to Rs. 65,000 per month, depending on the place of posting and bank policies.
IBPS SO Salary 2025
The salary of an IBPS SO is highly attractive. Selected candidates are appointed in Junior Management Grade Scale I, with a basic pay of Rs. 48,480. When combined with allowances like Dearness Allowance (DA), House Rent Allowance (HRA), and Special Allowance, the gross monthly salary ranges between Rs. 70,000 and Rs. 75,000. After deductions such as PF and professional tax, the in-hand salary is approximately Rs. 65,000 to Rs. 70,000.
| Particulars | Details |
|---|
| Basic Pay | Rs. 48,480 |
| Pay Scale | 48480-2000/7-62480-2340/2-67160-2680/7-85920 |
| Gross Salary | Rs. 70,000 – Rs. 75,000 (Approx.) |
| In-hand Salary | Rs. 65,000 – Rs. 70,000 |
| Job Grade | Junior Management Grade Scale I |
| Allowances | DA, HRA, Special Allowance, etc. |
IBPS SO In Hand Salary 2025
The IBPS SO in-hand salary 2025 is about Rs. 65,000 to Rs. 70,000 per month. The gross salary ranges from Rs. 70,000 to Rs. 75,000, including allowances like DA, HRA, and Special Allowance. After deductions such as Provident Fund and professional tax (Rs.7,000 – Rs. 9,000), the take-home salary comes to the mentioned range. The basic pay starts at Rs. 48,480, with regular increments and additional benefits provided by the banks.
| Component | Amount (Approx.) |
|---|
| Basic Pay | Rs. 48,480 |
| Gross Salary | Rs. 70,000 – Rs. 75,000 |
| Deductions (PF, Tax) | Rs. 7,000 – Rs. 9,000 |
| In-hand Salary | Rs. 65,000 to Rs. 70,000 |
IBPS SO Pay Scale 2025
The IBPS Specialist Officer (SO) 2025 salary is governed by a structured pay scale that allows for regular increments based on years of service. As per the revised structure under the 12th Bipartite Settlement, the pay scale for IBPS SO (Scale I) is as follows: Rs. 48480-2000/7-62480-2340/2-67160-2680/7-85920
IBPS SO Salary After 12th Bipartite Settlement
The IBPS SO pay scale is Rs. 48,480-2000/7-62,480-2340/2-67,160-2680/7-85,920. This means-
- Rs. 2,000 increment for 7 years (reaching Rs. 62,480)
- Rs. 2,340 increment for the next 2 years (reaching Rs. 67,160)
- Rs. 2,680 increment for the following 7 years (reaching Rs. 85,920)
IBPS SO Salary Structure
Understanding the salary structure is essential to estimate future earnings. IBPS SO salaries follow a standard pay scale that includes scheduled increments and various allowances depending on location and performance.
| Particulars | Details |
|---|
| Pay Scale | 48480-2000/7-62480-2340/2-67160-2680/7-85920 |
| Dearness Allowance (DA) | 19.83% of Basic Pay (apprx.) |
| House Rent Allowance (HRA) | 7% to 9% (Based on location) |
| City Compensatory Allowance | 0% to 4% (Depends on posting city tier) |
| Special Allowance | 7.75% of Basic + DA |
| PF Contribution | Rs. 3,000 – Rs. 3,500 |
IBPS SO Allowances
In addition to the base salary, IBPS SOs receive various perks and allowances, making the total compensation significantly more attractive. These benefits improve job satisfaction and support financial well-being.
| Allowance Type | Amount / Description |
|---|
| Dearness Allowance (DA) | 19.83% of Basic Pay (approx. Rs. 9,614) |
| House Rent Allowance (HRA) | 7%-9% based on location |
| Conveyance Allowance | Fuel expenses for 2-wheeler or 4-wheeler |
| City Compensatory Allowance | 0%-4% depending on city of posting |
| Special Allowance | 7.75% of Basic + DA |
| Lease Accommodation | Up to Rs. 29,500 (optional, in place of HRA) |
| Provident Fund (PF) | Rs. 3,000 – Rs. 3,500 (employer contribution) |
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Is leased accommodation offered instead of HRA?
Yes, some banks offer leased accommodation up to Rs. 29,500 per month instead of HRA, depending on bank policy and location. This benefit is optional and can be availed as per the employee's requirement.
IBPS SO Officer Scale Wise Salary
As SOs gain experience, they get promoted to higher officer scales. Here's a breakdown of monthly salaries at various levels.
| Grade | Monthly Salary (Approx.) | Pay Scale |
|---|
| Officer Scale I | Rs. 65,000 to Rs. 70,000 | 48480-2000/7-62480-2340/2-67160-2680/7-85920 |
| Officer Scale II | To be Updated | Details will be updated soon |
| Officer Scale III | To be Updated | Details will be updated soon |
IBPS SO Job Profile
The duties of IBPS SOs vary by post. Below are the major responsibilities assigned to each role:
- Agricultural Field Officer: Promotes rural financing, manages farm credit, and coordinates with NABARD.
- IT Officer: Manages core banking systems, resolves technical issues, and strengthens cybersecurity.
- Rajbhasha Adhikari: Translates official documents, promotes Hindi usage, and conducts workshops.
- Law Officer: Handles legal affairs, drafts legal documents, and represents the bank in court.
- HR/Personnel Officer: Manages recruitment, employee welfare, appraisals, and policies.
- Marketing Officer: Executes promotional strategies, attracts customers, and enhances product reach.
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What are the career growth opportunities for IBPS SO?
IBPS SOs have clear promotion prospects with time and performance. The hierarchy progresses as:
- Scale I: Entry-level post
- Scale II & III: After 3–4 years of service
- Scale IV & V: Senior Management
- Scale VI & VII: Top Executive Grade
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