SBI PO Salary 2025: The SBI PO salary is highly attractive, with a strong salary package, allowances, and perks. With an initial basic pay of ₹48,480 and in-hand salary of ₹84,000 – ₹85,000, it is one of the best-paying jobs in the banking sector. Along with financial benefits, SBI POs get multiple opportunities for career growth and promotions. With the latest revision, SBI PO salary has increased, making it even more rewarding. In this article, we will discuss the detailed salary structure, in-hand salary, allowances, and career progression for an SBI PO.
SBI PO Salary 2025
The initial basic pay of an SBI PO is ₹48,480, which includes four advanced increments. The maximum basic pay an SBI PO can receive is ₹85,920. Along with the basic pay, several allowances and benefits enhance the total earnings. The salary follows a structured pay scale, ensuring yearly increments and long-term growth. As per the revised Bipartite Settlement, the SBI PO salary structure is as follows:
| Period | Increment (₹) | Basic Salary (₹) |
|---|
| Initial Salary | - | 48,480 |
| First 7 Years | 2,000 | 62,480 |
| Next 2 Years | 2,340 | 67,160 |
| Another 7 Years | 2,680 | 85,920 |
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SBI PO Salary Structure 2025
An SBI PO receives multiple components in their salary, which add up to a significant in-hand amount. The gross salary of an SBI PO is approximately ₹94,581 per month, and after deductions, the in-hand salary ranges between ₹84,000 to ₹85,000. The final in-hand salary may vary slightly depending on the job location, as allowances like HRA and City Compensatory Allowance differ based on the city of posting.
| Component | Amount (₹) |
|---|
| Basic Pay | 48,480 |
| Special Allowance | 14,967 |
| House Rent Allowance (HRA) | 5,648 |
| Dearness Allowance (DA) | 14,336 |
| City Compensatory Allowance | 2,300 |
| Learning Allowance | 850 |
| Gross Salary | 94,581 |
| Deductions (PF, Tax, Pension, etc.) | 9,617 |
| Net Salary (In-hand) | 84,964 |
SBI PO Salary Deductions
Like all salaried employees, SBI POs have certain deductions from their salary. These include contributions to provident fund (PF), professional tax, and income tax. After these deductions, the final in-hand salary of an SBI PO is approximately ₹84,964 per month.
| Deduction | Amount (₹) |
|---|
| Employee PF Contribution | 5,648 |
| Professional Tax | 200 |
| Income Tax | 3,769 |
| Total Deductions | 9,617 |
SBI PO Allowances
Apart from the basic salary, SBI POs receive several allowances that contribute to their total earnings. These allowances vary based on the location and job role.
| Allowance | Details |
|---|
| Dearness Allowance (DA) | 19.83% of the Basic Pay |
| House Rent Allowance (HRA) | 7–9% depending on location |
| City Compensatory Allowance | 3–4% based on the city |
| Furniture Allowance | ₹1,20,000 |
| Medical Insurance | 100% for employees, 75% for dependents |
| Travel Allowance | AC 2-tier fare for official trips |
| Petrol Allowance | ₹1,100 – ₹1,250 |
SBI PO Salary After 5 Years
Many candidates are curious about the SBI PO salary after 5 years. Since the starting salary is already good and there are regular yearly increments, the salary increases well over time. After 5 years, the basic pay becomes:
- SBI PO Basic Pay After 5 Years – Rs. 58,480
SBI PO Salary After 10 Years
After 10 years in the job, the SBI PO salary grows even more. With regular promotions, yearly hikes, and added allowances, the basic salary after 10 years is:
- SBI PO Basic Pay After 10 Years – Rs. 69,840
SBI PO Salary After 15 Years
With 15 years of service, an SBI PO earns a much higher salary along with better benefits and perks. The basic pay at this stage reaches:
- SBI PO Basic Pay After 15 Years – Rs. 83,240
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SBI PO Perks & Benefits
SBI POs also enjoy various perks and benefits apart from their salary and allowances. These perks ensure financial stability and a comfortable lifestyle for employees.
- Pension Scheme – SBI offers a pension scheme for employees after retirement.
- Medical Benefits – 100% medical coverage for employees and 75% for family members.
- Leave Travel Concession (LTC) – Employees can avail LTC for domestic travel.
- Home and Car Loans – Concessional interest rates on housing, car, and personal loans.
SBI PO Career Growth & Promotion
SBI POs undergo a probation period of two years before confirmation. During this time, they receive training in various banking functions. Before joining, candidates must sign a bond of ₹2 lakhs, committing to a minimum of three years of service.
SBI offers excellent career growth opportunities, with promotions happening through exams and experience. The career progression is as follows:
- Assistant Manager
- Deputy Manager
- Manager
- Chief Manager
- Assistant General Manager
- Deputy General Manager
- General Manager
- Chief General Manager
- Deputy Managing Director
- Managing Director
- Chairman
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