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SBI SO Salary 2025, In Hand Salary, Perks, and Job Profile

The SBI SO Salary 2025 is one of the most attractive aspects of the SBI Specialist Officer post. The SBI SO salary varies depending on the post and experience. Along with the basic salary, SBI also offers various allowances such as DA, TA, HRA, and other perks. These often include medical insurance, pension schemes, and other perks that enhance job satisfaction and financial security. The SBI SO role is among the highest positions in the bank, offering attractive salary and career growth opportunities. Check the details of the SBI SO Salary 2025 in the article below. 

 

SBI SO Salary 2025

 

The SBI SO recruited employees receive a competitive salary along with multiple perks and allowances. The monthly salary for an SBI SO ranges from Rs. 30,000 to Rs. 1,00,000, based on the job role and grade. The salary structure also includes additional benefits like medical insurance, pension schemes, and housing allowances. Along with this allowances, there are also some deductions in the SBI SO Salary like - NPS, Income Tax, and some other. Check the SBI SO Salary Structure 2025 below for more details.

 

SBI SO Salary Structure 2025

 

The SBI Specialist Officer (SO) salary structure comprises multiple components that provide financial stability and security. Officers receive a Basic Pay ranging from Rs. 30,000 to Rs. 1,00,000 per month, along with a Dearness Allowance (DA) of approximately 46% of Basic Pay. The House Rent Allowance (HRA) varies between 7% to 10% of Basic Pay, based on the job location. Additionally, they receive a Special Allowance ranging from Rs. 7,000 to Rs. 15,000 per month.

ComponentAmount (Approximate)
Basic PayRs. 30,000 – Rs. 1,00,000 per month (Depending on the category)
Dearness Allowance (DA)Around 46% of Basic Pay
House Rent Allowance (HRA)7% to 9% or 10% of Basic Pay
Special AllowanceRs. 7,000 – Rs. 15,000 per month
City Compensatory AllowanceVaries based on posting location
Leased AccommodationAs per actuals
Medical InsuranceCoverage for employees and dependents

 

SBI SO Pay Scale 2025

 

SBI divides its Specialist Officers into different grades, each with a specific pay scale. Below is the pay scale for different posts:

Post NameGradePay Scale
Assistant ManagerJMGS-I36000-1490/7-46430-1740/2-49910-1990/7-63840
Assistant General ManagerSMGS-V89890-2500/2-94890-2730/2-100350
ManagerMMGS-III63840-1990/5-73790-2220/2-78230
Deputy ManagerMMGS-II48170-1740/1-49910-1990/10-69810
Chief ManagerSMGS-IV76010-2220/4-84890-2500/2-89890
Project ManagerMMGS-II48170-1740/1-49910-1990/10-69810
Senior Project ManagerSMGS-IV76010-2220/4-84890-2500/2-89890

 

SBI SO Post Wise Salary 2025

 

The salary for each post varies based on the responsibilities and experience required. Below is the post-wise salary range for SBI SO positions:

Post NameAnnual Salary (Approximate)Details
Deputy ManagerRs. 9.60 – 9.78 lakhsIncludes bonuses and allowances
IT Officer (Scale I)Rs. 2.88 – 3.84 lakhsMonthly salary: Rs. 24,000 – 32,000
IT Officer (Scale II)Rs. 4.08 – 4.80 lakhsMonthly salary: Rs. 34,000 – 40,000
Relationship ManagerRs. 1.7 – 3.9 lakhsResponsible for client relationships
Customer Relationship ExecutiveRs. 2.7 – 4.1 lakhsAverage salary of Rs. 3.3 lakhs
Assistant Vice PresidentRs. 5.60 – 16.7 lakhsIncludes bonuses and additional benefits

 

SBI SO Perks and Allowances 2025

 

Apart from the salary, SBI SOs receive additional benefits and allowances. These include:

  • Dearness Allowance (DA)
  • House Rent Allowance (HRA)
  • City Compensatory Allowance (CCA)
  • Provident Fund (PF)
  • Contributory Pension Fund (NPS)
  • Leave Fare Concession (LFC)
  • Medical Facility
  • Other Perks

 

SBI SO Contractual vs Regular Posts

 

SBI recruits Specialist Officers under both contractual and regular employment. Here's the difference between the two:

  • Contractual Posts: Initial contract for 1 year, extendable up to 5 years based on performance. Includes fixed salary and performance-based variable pay.
  • Regular Posts: Officers get full bank benefits, including DA, HRA, CCA, PF, NPS, LFC, medical facilities, and more.

 

SBI SO Annual Increment and Performance Appraisal

 

SBI Specialist Officers receive an annual raise of up to 8% of their total compensation, provided they score at least 90% in their performance reviews. Reviews occur twice a year, determining additional pay based on performance scores, and ensuring rewards match achievements.

  • Annual Increment: Up to 8% of total salary, depending on performance review.
  • Performance Appraisal: Conducted twice a year, affecting salary increments and variable pay.

 

SBI SO Contractual Terms and Conditions

 

The terms for contractual SBI SO posts are mentioned in the table below. These terms outline the contract duration, termination policy, leave entitlement, appraisal process, salary structure, and job responsibilities for SBI SOs, providing clear guidelines for candidates.

Contractual TermsDetails
Contract DurationInitially 1 year, extendable up to 4 years based on performance
Termination ClauseEither party can terminate with 1 month's notice or payment in lieu
Leave Entitlement30 days per year, subject to approval
Performance AppraisalConducted twice a year
Salary & BenefitsIncludes DA, HRA, CCA, PF, NPS, LFC, medical facilities
ResponsibilitiesCustomer engagement, system management, troubleshooting

 

SBI SO Roles and Responsibilities

 

SBI SOs handle various responsibilities depending on their job role. Some key responsibilities include:

Roles and ResponsibilitiesDetails
Customer CommunicationEngage with customers and business partners
Task ManagementHandle specialized banking operations
System AdministrationMaintain IT systems and security
TroubleshootingResolve technical and operational issues
ReportingPrepare detailed operational reports

 

SBI SO Annual Package

 

The annual Cost to Company (CTC) for SBI Specialist Officers (SO) depends on factors such as experience, current salary, and job location. The SBI SO Salary 2025 follows a compensation structure where 70% of the pay is fixed, and 30% is variable. Employees can expect annual salary increments as follows:

  • First Year: 5% increase
  • Second Year: 6.5% increase
  • Third Year: 7% increase

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