IBPS AFO Salary 2026, Perks and Allowances, Job Profile

IBPS AFO Salary 2026 is one of the key attractions for aspirants applying for the Agriculture Field Officer post under the IBPS Specialist Officer (Scale I) cadre. With the IBPS AFO 2026 Exam Calendar released, candidates have a valuable opportunity to secure a stable and rewarding career in the banking sector. The position offers a structured pay scale along with allowances such as Dearness Allowance (DA), House Rent Allowance (HRA), Transport Allowance, and medical benefits. This article provides a detailed overview of the IBPS AFO Salary 2026, along with allowances, job responsibilities, and other related details.

IBPS AFO Salary 2026

Candidates planning to apply for the IBPS Agriculture Field Officer (AFO) in 2026 and want to know about the salary should know that the Institute of Banking Personnel Selection offers an attractive salary package for selected candidates. The IBPS AFO Salary 2026 provides a good starting point for agriculture graduates aiming for a career in the banking sector.

IBPS AFO Salary Structure 2026

The IBPS AFO Salary Structure 2026 is governed by the 12th Bipartite Settlement and follows a fixed incremental pattern. This ensures predictable salary growth with experience and tenure.

The basic pay starts at ₹48,480 and increases annually through predefined stages until it reaches the maximum limit of ₹85,920.

This structured progression ensures steady income growth throughout the service period.

IBPS AFO In-Hand Salary

The in-hand salary of an IBPS Agriculture Field Officer depends on the posting location, applicable allowances, and mandatory deductions. After adding allowances such as Dearness Allowance, Special Allowance, and HRA, and deducting NPS and taxes, the monthly take-home salary generally falls in the range shown below.

Factors Affecting In-Hand Salary

• Posting city and HRA eligibility
• Current DA rate at the time of joining
• NPS and income tax deductions
• Choice between HRA and leased accommodation

IBPS Agriculture Field Officer Annual Package

Perks and Allowances of IBPS AFO

Apart from the IBPS AFO Salary, various exciting perks and benefits are provided to the IBPS Agriculture Field Officers. Candidates can check the details and the percentage for the same here:

IBPS AFO Job Profile

Along with the IBS AFO Salary, candidates must also know that the role of an Agriculture Field Officer (AFO) involves a range of responsibilities aimed at supporting rural development and agricultural growth. Selected candidates play a crucial role in bridging the gap between financial institutions and farmers, ensuring that rural communities have access to necessary financial services. Key responsibilities include the following:

• Promoting Rural Funding: Actively encouraging and increasing financial support for rural development projects, helping improve agricultural productivity and infrastructure.
• Disbursing Loans: Providing financial assistance by offering loans to farmers and other individuals involved in agricultural activities, thus fostering growth in rural economies.
• Loan Management: Overseeing the allocation and disbursement of loans, ensuring timely receipt and appropriate use of funds by the beneficiaries.
• Agricultural Loan Review: Regularly assessing the status and effectiveness of agricultural loans to ensure they are being used as intended, helping improve financial stability in rural areas.
• Crop Failure Assessment: Investigating cases of crop failure or natural calamities affecting farmers, offering support and solutions to mitigate financial losses and ensure continued loan repayment.
• Educating Farmers: Providing awareness about the bank’s financial products and services, guiding farmers in making informed decisions about loans, subsidies, and other available benefits.
• Boosting Rural Investment: Promoting and enhancing financial investments in rural areas, thus supporting agricultural growth, rural infrastructure, and overall community development.

IBPS AFO Promotion and Career Growth

Career growth within the IBPS AFO role offers various opportunities for advancement through internal promotions and examinations. Here, take a look at the typical career hierarchy for Agriculture Field Officers (AFO) at IBPS:

• Scale 1: Officer / Assistant Manager
• Scale 2: Manager
• Scale 3: Senior Manager
• Scale 4: Chief Manager
• Scale 5: Assistant General Manager
• Scale 6: Deputy General Manager
• Scale 7: General Manager

With experience, officers may also move into specialized departments such as credit, rural banking, policy planning, and risk management.