IBPS AFO Salary 2025, Perks and Allowances, Job Profile

IBPS AFO Salary 2025 is one of the key attractions for aspirants applying for the Agriculture Field Officer position under the IBPS Specialist Officer (Scale I) cadre. With the official IBPS AFO Recruitment 2025 now live, candidates have a great opportunity to secure a stable and rewarding career in the banking sector. The role offers a structured pay scale along with allowances such as DA, HRA, Transport Allowance, and medical benefits. This article provides a detailed overview of the IBPS AFO Salary 2025, benefits, job responsibilities and more.

IBPS AFO Salary 2025

Candidates planning to apply for the IBPS Agriculture Field Officer (AFO) in 2025 and want to know about the salary, they should know that the Institute of Banking Personnel Selection offers an attractive salary package for selected candidates. The IBPS AFO Salary 2025 provides a good starting point for agriculture graduates aiming for a career in the banking sector.

IBPS AFO Salary Structure

As per the 12th Bipartite Settlement and the latest IBPS norms, the IBPS AFO Salary Structure 2025 for Scale I officers ranges from ₹48,480 to ₹85,920. The salary follows a fixed progression pattern: starting at ₹48,480, it increases by ₹2,000 annually for the first 7 years, reaching ₹62,480. After that, the increment changes to ₹2,340 for the next 2 years, and then ₹2,680 for the following 7 years, ultimately capping at ₹85,920. This clearly defined salary structure ensures steady growth with experience and performance over time.

IBPS AFO In-Hand Salary

The IBPS AFO in-hand salary in 2025 ranges between ₹74,000 to ₹76,000 per month, depending on the place of posting and applicable deductions. This amount is calculated after including various allowances such as Dearness Allowance (DA), House Rent Allowance (HRA), Special Allowance, and after deductions like Provident Fund, NPS, and taxes. The Agriculture Field Officer post, being a Scale I position under IBPS, receives the same salary structure as other IBPS Specialist Officers, including POs. It offers financial stability along with additional benefits and reimbursements.

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