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IBPS SO Salary Structure 2025, In Hand Salary, Perks, and Job Profile

Updated on Jul 08, 2025 14:14 IST

Table of Content +

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.

ParticularsDetails
Basic PayRs. 48,480
Pay Scale₹ 48480-2000/7-62480-2340/2-67160-2680/7-85920
Gross SalaryRs. 70,000 – Rs. 75,000 (Approx.)
In-hand SalaryRs. 65,000 – Rs. 70,000
Job GradeJunior Management Grade Scale I
AllowancesDA, HRA, Special Allowance, etc.

 

IBPS SO In-hand Salary

 

After deductions like Provident Fund (PF), professional tax, and other contributions, the final in-hand salary of an IBPS SO ranges between Rs. 65,000 and Rs. 70,000. The deductions are usually around Rs. 7,000 to Rs. 9,000, depending on location and other factors.

ComponentAmount (Approx.)
Basic PayRs. 48,480
Gross SalaryRs. 70,000 – Rs. 75,000
Deductions (PF, Tax)Rs. 7,000 – Rs. 9,000
In-hand SalaryRs. 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 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.

ParticularsDetails
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 Allowance0% to 4% (Depends on posting city tier)
Special Allowance7.75% of Basic + DA
PF ContributionRs. 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 TypeAmount / Description
Dearness Allowance (DA)19.83% of Basic Pay (approx. Rs. 9,614)
House Rent Allowance (HRA)7%-9% based on location
Conveyance AllowanceFuel expenses for 2-wheeler or 4-wheeler
City Compensatory Allowance0%-4% depending on city of posting
Special Allowance7.75% of Basic + DA
Lease AccommodationUp to Rs. 29,500 (optional, in place of HRA)
Provident Fund (PF)Rs. 3,000 – Rs. 3,500 (employer contribution)

 

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IBPS SO Post Wise Salary

 

IBPS recruits Specialist Officers for six different posts, all under Scale I. While the salary remains the same, the job responsibilities differ significantly. The list of posts under IBPS SO is as follows:

Post CodePost Name
01I.T. Officer (Scale I)
02Agricultural Field Officer
03Rajbhasha Adhikari
04Law Officer
05HR/Personnel Officer
06Marketing Officer

 

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.

GradeMonthly Salary (Approx.)Pay Scale
Officer Scale I₹ 65,000 to ₹ 70,000₹ 48480-2000/7-62480-2340/2-67160-2680/7-85920
Officer Scale IITo be UpdatedDetails will be updated soon
Officer Scale IIITo be UpdatedDetails will be updated soon

 

IBPS SO Job Profile 2025

 

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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IBPS SO Promotion Policy 2025

 

Career progression for IBPS SOs is structured and performance-driven. Promotions come with increased salaries, authority, and responsibilities. Below is the IBPS SO Promotion Hierarchy list-

  • Junior Management Grade Scale I (JMGS I) – Entry-level position.
  • Middle Management Grade Scale II (MMGS II) – After 3-4 years of service.
  • Middle Management Grade Scale III (MMGS III) – With enhanced responsibilities.
  • Senior Management Grade Scale IV & V
  • Top Executive Grade Scale VI & VII

 

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