The SBI CBO Salary 2025 has been revised and provides a competitive package for those selected for the Circle Based Officer (CBO) role at the State Bank of India. The new and revised pay scale for SBI CBO is Rs. 48480-2000/7-62480-2340/267160-2680/7-85920. Along with this salary, there are certain allowances also. Check the detailed SBI CBO Salary Structure 2025 and other details.
SBI CBO Salary 2025
The SBI CBO Salary 2025 offers a compassionate and competitive package for those selected for the Circle Based Officer (CBO) role at the State Bank of India. The starting basic salary for an SBI Circle Based Officer in 2025 is ₹48,480, and the pay scale follows the structure ₹48,480-2000/7-62480-2340/2-67160-2680/7-85920, with annual increments. This means that after seven years of service with ₹2,000 annual increments, the basic pay becomes ₹62,480, followed by ₹2,340 increments for the next two years, and then ₹2,680 increments for seven more years. The maximum basic pay reaches ₹85,920. Along with this solid pay structure, the role offers job security and strong opportunities for career advancement, making it a highly desirable option.
SBI CBO Salary Structure 2025
Candidates selected as SBI CBOs are placed in the Junior Management Grade Scale-I (JMGS-I), generally for officers who enter the officer cadre from the clerical level. The gross salary for an SBI CBO is approximately ₹58,484 per month, including various allowances. After deductions, the in-hand salary ranges between ₹50,000 and ₹52,000.
| Allowance/Component | Amount |
| Pay Scale | ₹48,480-2000/7-62,480-2340/2-67,160-2680/7-85,920 |
| Basic Pay | ₹48,480 |
| Dearness Allowance (DA) | ₹16,884 |
| House Rent Allowance (HRA) | ₹2,520 |
| City Compensatory Allowance (CCA) | ₹1,080 |
| Other Allowances | ₹2,000 |
| Gross Salary | ₹58,484 |
| Deductions | ₹8,187.60 |
| Net Salary (In-hand) | ₹50,296.24 |
SBI CBO In Hand Salary 2025
The SBI CBO In Hand Salary includes the basic pay and various allowances applicable to the role. Candidates selected for the position of SBI Circle Based Officer (CBO) will receive a starting basic pay of ₹48,480 along with one increment. Additionally, candidates with prior experience in the officer cadre of a Scheduled Commercial Bank or Regional Rural Bank will receive one promotion for each completed year of service. After factoring in allowances and deductions, the monthly in-hand salary ranges from ₹50,000 to ₹52,000.
SBI CBO Allowances
In addition to the salary, SBI Circle Based Officers are entitled to various allowances:
- Dearness Allowance (DA): 46.9% of the basic pay
- House Rent Allowance (HRA): 7% to 9% depending on location
- City Compensatory Allowance (CCA): 3% to 4% depending on location
- Medical Insurance: 100% coverage for employee, 75% for dependents
- Travel Allowance: AC 2-tier fare reimbursement for official travel
- Petrol Allowance: ₹1,100 to ₹1,250 per month
- Other Allowances: Includes Newspaper, Entertainment, and Book allowances (vary by post)
SBI CBO Perks & Benefits
The additional SBI CBO perks include
- Contribution to Pension Scheme/New Pension Scheme
- Medical aid for self (100%) and family (75%)
- Leave Fare Concession (LFC) and Home Travel Concession (HTC)
- Concessional interest rates on Housing, Car, and Personal loans
SBI CBO Probation Period
The selected SBI CBO in respective circles will undergo a probationary period of 6 months which will be under continuous assessment until the time of confirmation. If astandards, fails to qualify during the probationary period will be terminated from the service.
SBI CBO Growth & Promotion
The below table summarizes the key details regarding the probation period, performance assessment, confirmation process, and other important aspects related to the Circle-Based Officer position.
| Parameters | Details |
| Designation Upon Joining | Circle Based Officer (CBO) |
| Probation Period | 6 months |
| Continuous Assessment | During probation, performance will be continuously assessed. |
| Confirmation | Based on meeting the bank’s standards; confirmed as Junior Management Grade Scale-I (JMGS-I) |
| Failure to Meet Standards | Services may be terminated as per bank policies. |
| Cadre | General cadre; promotion policy applicable for general cadre officers. |
| Transfer Eligibility | No inner-circle transfer until promoted to SMGS-IV Grade or after 12 years of service, whichever is later. |
SBI CBO Job Profile
Candidates preparing for the SBI CBO Examination should understand the job role and responsibilities of an SBI Circle Based Officer (CBO). Here are the main duties:
- Managing key functions at the branch.
- Approving loan applications.
- Ensuring proper implementation of important policies.
- Overseeing bank operations to maintain accurate accounting.
- Developing and nurturing customer relationships.
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SBI CBO Salary – FAQs
Ans. The allowances include Dearness Allowance, House Rent Allowance, Petrol Allowance, and City Compensatory Allowance.
Ans. The Dearness Allowance is 46.9% of the Basic Pay.
Ans. The House Rent Allowance ranges from 7% to 9% depending on the posting location.
Ans. The City Compensatory Allowance is 3% to 4% based on the location.
Ans. Yes, medical insurance is 100% covered for employees and 75% for their families.
Ans. The Petrol Allowance ranges from ₹1,100 to ₹1,250.
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