IDBI JAM Salary: Aspirants preparing for the IDBI JAM Salary 2025 must understand the detailed salary structure, job profile, and perks associated with this role. The Industrial Development Bank of India (IDBI) offers a competitive salary package for Junior Assistant Managers (JAM), including basic pay, allowances, and additional benefits. This article covers the IDBI JAM salary structure, in-hand salary, perks, career growth, and responsibilities, helping candidates make an informed career decision. Read on to explore the complete breakdown of the IDBI Junior Assistant Manager Salary 2025 and its lucrative benefits.
IDBI Junior Assistant Manager Salary 2025
The IDBI Junior Assistant Manager Salary 2025 offers a competitive and structured pay package, with an annual CTC ranging from ₹6.14 lakh to ₹6.50 lakh in Class A cities. Selected candidates undergo a training phase with monthly stipends of ₹5,000 during classroom sessions and ₹15,000 during internships, followed by on-the-job training. Upon successful completion, they are appointed as Grade ‘O' officers and placed under a one-year probation. The salary includes basic pay along with allowances such as travel, local conveyance, and subsidized meals. IDBI also provides growth opportunities, with eligible officers being promoted to Grade ‘A' after three years of satisfactory service.
IDBI JAM Salary 2025
The IDBI JAM Salary 2025 offers an attractive pay package, including a basic salary, allowances, and additional perks. Candidates selected for the IDBI Junior Assistant Manager (JAM) role receive competitive in-hand pay, career growth opportunities, and job security in the banking sector.
| Parameter | Details |
|---|
| Post | Junior Assistant Manager |
| Organization | Industrial Development Bank Of India (IDBI) |
| Vacancy | 676 (Grade O) |
| Salary Range | ₹6.14 lakh to ₹6.50 lakh per annum |
| Application Mode | Online |
| Selection Process | Online Test and Interview |
| Official Website | www.idbibank.in |
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IDBI JAM Salary Structure 2025
The IDBI Junior Assistant Manager (JAM) Salary Structure 2025 is designed to support candidates throughout their learning and professional transition. The program begins with a six-month classroom training phase, during which candidates receive a monthly stipend of ₹5,000, followed by a two-month internship offering a stipend of ₹15,000 per month. After completing the Post Graduate Diploma in Banking and Finance (PGDBF), candidates are inducted into the bank and undergo a four-month On-the-Job Training (OJT). Once fully absorbed, they receive a salary package ranging from ₹6.14 lakh to ₹6.50 lakh per annum, depending on their posting location.
| Phase | Duration | Stipend/Salary |
|---|
| Classroom Training | 6 Months | ₹5,000 per month |
| Internship | 2 Months | ₹15,000 per month |
| On-the-Job Training | 4 Months | No separate stipend (part of induction) |
| Full-Time Salary (Post Induction) | After Training | ₹6.14 lakh to ₹6.50 lakh per annum |
Below are the IDBI JAM Grade 'A' salary structure details:
| Salary Component | Amount (₹) | Details |
|---|
| Basic Pay (Training Period) | ₹29,000 | Fixed stipend during 6-month training |
| Internship Stipend (3 Months) | ₹3,000 per month | Paid during classroom training |
| Pay Scale after Training | ₹36,000 - ₹63,840 | Revised salary after joining as a full-time employee |
| Dearness Allowance (DA) | Variable | Based on inflation rates |
| House Rent Allowance (HRA) | Variable | Depends on job location (Metro/Urban/Rural) |
| Medical Allowance | Included | Covers health benefits for employees and dependents |
| Travel Allowance (TA) | Reimbursed | Provided for official travel expenses |
| Gross Salary | ₹50,000+ (Approx) | Includes all allowances and benefits |
| Deductions (PF, Tax, etc.) | Variable | Includes PF, professional tax, and income tax |
| IDBI JAM In-Hand Salary 2025 | ₹42,000 - ₹45,000 | Salary received after deductions |
IDBI JAM In Hand Salary 2025
The IDBI Junior Assistant Manager (JAM) In Hand Salary for Grade 'A' is the actual amount received by the employee after deductions like Provident Fund (PF), Professional Tax, and Income Tax. Below is a structured breakdown:
- Pay Scale: ₹36,000 - ₹63,840 after training
- Gross Salary: ₹50,000+ per month (includes allowances)
- Deductions: ₹5,000 - ₹8,000 (PF, Tax, etc.)
- Final IDBI JAM In Hand Salary: ₹42,000 - ₹45,000 per month
- Perks: DA, HRA, Medical, Travel Allowance
IDBI JAM Salary Deductions 2025
The IDBI Junior Assistant Manager (JAM) Salary includes various deductions before reaching the final in-hand salary. These deductions cover statutory contributions, taxes, and other necessary reductions from the gross salary, check the Grade 'A' Salary deduction details below:
| Deduction Type | Amount (₹) (Approx.) | Details |
|---|
| Provident Fund (PF) | ₹3,000 - ₹4,000 | Retirement savings contribution |
| Professional Tax (PT) | ₹200 - ₹250 | State-imposed tax on salaried employees |
| Income Tax (TDS) | ₹1,500 - ₹3,000 | Based on applicable tax slab |
| NPS Contribution (if applicable) | ₹1,000 - ₹2,000 | Deduction towards National Pension Scheme |
| Other Deductions | ₹500 - ₹1,000 | Insurance, staff welfare, or voluntary deductions |
| Total Deductions | ₹5,000 - ₹8,000 | Approximate total deduction per month |
| Final IDBI JAM In-Hand Salary | ₹42,000 - ₹45,000 | Salary after deductions |
After these deductions, the IDBI JAM in-hand salary typically ranges between ₹42,000 - ₹45,000 per month, ensuring a stable and financially secure career in the banking sector.
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IDBI JAM Job Profile 2025 for Grade 'A'
Understanding the IDBI JAM Job Profile 2025 is crucial for aspirants aiming for a stable and rewarding banking career. Along with an attractive IDBI JAM salary, the role of a Junior Assistant Manager (JAM) involves key responsibilities in banking operations, customer service, and financial management.
- Customer Service: Handling account openings, KYC verification, and queries.
- Banking Operations: Managing transactions, deposits, and withdrawals.
- Loan Processing: Assisting in loan approvals and documentation.
- Sales & Marketing: Promoting banking products like loans and credit cards.
- Compliance & Administration: Ensuring regulatory adherence and smooth branch operations.
IDBI JAM Career Prospects for Grade 'A'
A career as an IDBI Junior Assistant Manager (JAM) offers excellent growth opportunities, a stable banking job, and an attractive IDBI JAM salary. Candidates joining as JAM can progress to higher managerial positions with experience and performance. Here are IDBI JAM growth & promotion paths:
- Junior Assistant Manager (JAM) –Entry-level position after training.
- Assistant Manager – Promotion after gaining experience and performance review.
- Deputy Manager – Increased responsibilities in branch operations and customer management.
- Manager – Overseeing banking operations, sales, and financial services.
- Senior Manager & Chief Manager – Leadership roles with strategic decision-making.
- Assistant General Manager & General Manager – High-level management positions in IDBI Bank.
IDBI Junior Assistant Manager Probation Period for Grade 'O'
After selection, candidates appointed as IDBI Junior Assistant Managers in 2025 will undergo a probation period of one year starting from the date of joining. This period is designed to evaluate the candidate's overall performance, discipline, and job readiness. Based on the bank's internal assessment, the probation period may be extended if necessary. During this time, the bank has the right to post candidates at any of its branches, offices, or departments as per operational requirements.
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IDBI Junior Assistant Manager Service Bond for Grade 'O'
As part of the recruitment process for the IDBI Junior Assistant Manager 2025, selected candidates must enter into a service bond committing to serve the bank for a minimum of three years, excluding the notice period. If a candidate resigns before completing this mandatory service period, they are required to pay a notional amount of ₹2 lakh plus applicable taxes. In cases where a candidate has availed an education loan from IDBI Bank, all outstanding dues must be cleared at the prevailing card rate before exiting the organization.
IDBI Junior Assistant Manager Allowances and Perks for Grade 'O'
Along with a competitive IDBI Junior Assistant Manager salary in 2025 ranging from ₹6.14 lakh to ₹6.50 lakh per annum, the bank also offers various allowances and perks to enhance the overall compensation package. These include travel allowance, halting allowance, local conveyance allowance, and a subsidized lunch facility. Additionally, the Visiting Officer Facility is available for eligible officers. However, Grade 'O' officers are not entitled to certain benefits such as performance-linked variable pay, staff loans, and other perquisites extended to regular full-time employees.
IDBI Junior Assistant Manager Career Growth for Grade 'O'
The career growth prospects for IDBI Junior Assistant Managers in 2025 are aligned with the bank's performance-oriented culture. After successfully completing three years of continuous and satisfactory service, Grade ‘O' officers become eligible for promotion to Grade ‘A', subject to internal assessments and availability of vacancies. Promotions are guided by IDBI Bank's structured Promotion Policy, which is periodically reviewed to support employee development and address evolving organizational needs.
