The PNB SO Salary 2025 offers an attractive pay structure along with several benefits, making it a lucrative career choice for banking professionals. Candidates selected as Specialist Officers (SO) in Punjab National Bank (PNB) are appointed at different scales, such as JMGS-I, MMGS-II, and MMGS-III, based on their experience and job role. The PNB SO Credit Officer Salary 2025 and that of other posts include a basic pay component, allowances, and additional perks. In addition to the fixed salary, employees receive benefits like Dearness Allowance (DA), House Rent Allowance (HRA), medical insurance, and retirement benefits.
PNB SO Salary 2025
The starting basic salary for JMGS-I is ₹48,480, for MMGS-II is ₹64,820, and for MMGS-III is ₹85,920. The table below provides a summary of the PNB SO Salary 2025, including the pay structure and key details:
| Category | Details |
|---|
| Organization | Punjab National Bank (PNB) |
| Post | Specialist Officer (SO) |
| Vacancy | 350 |
| Basic Pay | JMGS-I: ₹48,480
MMGS-II: ₹64,820
MMGS-III: ₹85,920 |
| Selection Process | Online Exam, Interview |
| Exam Date | April/May 2025 (Tentative) |
| Official Website | www.pnbindia.in |
PNB SO Salary Structure 2025
The pay scale for different PNB SO posts, including PNB SO Credit Officer Salary 2025, is detailed in the table below:
| Post | Grade | Pay Scale |
|---|
| Officer-Credit | JMGS-I | ₹48,480-₹85,920 |
| Officer-Industry | JMGS-I | ₹48,480-₹85,920 |
| Manager-IT | MMGS-II | ₹64,820-₹93,960 |
| Senior Manager-IT | MMGS-III | ₹85,920-₹1,05,280 |
| Manager-Data Scientist | MMGS-II | ₹64,820-₹93,960 |
| Senior Manager Data Scientist | MMGS-III | ₹85,920-₹1,05,280 |
| Manager-Cyber Security | MMGS-II | ₹64,820-₹93,960 |
| Senior Manager Cyber Security | MMGS-III | ₹85,920-₹1,05,280 |
PNB SO Salary Perks & Benefits
Along with a competitive salary, PNB SO Credit Officers and other SOs enjoy multiple perks and benefits, including:
- Dearness Allowance (DA) – Adjusted quarterly based on inflation.
- House Rent Allowance (HRA) – Varies by location or company-provided accommodation.
- City Compensatory Allowance (CCA) – Provided in metro cities.
- Medical Insurance – Coverage for self and family.
- Leave Fare Concession (LFC) – Reimbursement for travel expenses.
- Pension and Retirement Benefits – Ensuring post-retirement financial security.
- Other Perks – Newspaper allowance, furniture allowance, and concessional loans.
Solve PNB SO Previous Year Papers
PNB SO Salary Indemnity Bond Requirement
Candidates selected as PNB SO Credit Officers and for other posts are required to sign an Indemnity Bond before joining, agreeing to serve for a minimum period. If an employee leaves before the completion of this period, they will be required to compensate the bank as per the bond terms.
| Scale | Bond Amount | Bond Period |
|---|
| MMG Scale-III | ₹3.00 lakh | 5 Years |
| MMG Scale-II | ₹2.00 lakh | 3 Years |
| JMG Scale-I | ₹1.00 lakh | 3 Years |
PNB SO Credit Officer Job Profile
The PNB SO Credit Officer job profile involves key responsibilities such as:
- Evaluating credit proposals for corporate and MSME clients.
- Conducting risk analysis and ensuring compliance with credit policies.
- Managing trade finance operations and documentation.
- Monitoring loan portfolios and ensuring timely recovery.
- Providing financial advisory services to clients.
Enroll in PNB SO Credit Officer Online Coaching
