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 |
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PNB SO Salary Structure 2025
The pay scale for different PNB SO posts, including the 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.
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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:
| Post | Rephrased Job Profile |
|---|
| Officer—Credit | Work in key credit-related divisions like Corporate Branches, MSME, and Trade Finance. Evaluate credit proposals for businesses, perform risk assessments, ensure policy compliance, manage trade finance documentation, monitor loan recovery, offer financial guidance, and coordinate with internal teams to enhance credit operations. |
| Officer – Industry | (Not specified in your source content. Let me know if you want to include a description or skip this.) |
| Manager – IT | Deploy AI models and ensure smooth functioning of AI infrastructure. Plan AI strategies, design intelligent systems, work with cross-functional teams, and ensure smooth integration of AI technologies into the existing IT environment. |
| Senior Manager – IT | Oversee architecture and operations of AI platforms with a focus on security and scalability. Lead model training, data processing, and deployment. Ensure compliance with standards and drive innovation in AI tech adoption. |
| Manager – Data Scientist | Build and optimize Generative AI models for tasks like chatbot responses and image generation. Analyze data for insights, implement ML algorithms, collaborate on AI applications, and stay current with AI advancements. |
| Senior Manager – Data Scientist | Lead innovation in generative AI by supervising research and model deployment. Mentor teams, align projects with business goals, maintain model performance, and adopt industry-leading AI strategies. |
| Manager – Cyber Security | Work in the Cyber Security Centre of Excellence (CCoE), often in shifts. Configure firewalls and NIPS, manage cybersecurity systems, handle threat analysis and SIEM configurations, and respond to incidents per company protocols. |
| Senior Manager – Cyber Security | Lead cybersecurity efforts at the CCoE. Configure and manage firewalls, SIEM dashboards, and NIPS policies. Handle advanced threat hunting, develop security policies, and conduct real-time monitoring. Provide regular reports and incident analysis to management. |
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