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Candidates planning to appear for the IBPS Clerk Exam 2025 should be aware of the IBPS Clerk Salary 2025 and its structure. The Institute of Banking Personnel Selection offers a stable in-hand salary along with various allowances and benefits. Here, we have provided the detailed IBPS Clerk Salary structure to help candidates clearly understand the pay scale.
IBPS Clerk Salary 2025
The IBPS Clerk post offers an attractive salary package, making it a preferred choice for many government job aspirants. The starting basic pay is Rs. 24,050, and with allowances, the total monthly salary ranges from Rs. 35,000 to Rs. 39,000.
Allowances include Dearness Allowance (DA), House Rent Allowance (HRA), Medical Allowance, Special Allowance, and Travel Allowance. Selected candidates will undergo a 6-month probation period. During the job, clerks will handle tasks such as assisting customers, managing cash transactions, and resolving customer queries.
Check: IBPS Clerk Notification 2025 Out For 10277 Posts
IBPS Clerk Pay Scale 2025
The Clerk Pay Scale 24050-1340/3-28070-1650/3-33020-2000/4-41020-2340/7-57400-4400/1-61800-2680/1-64480(20 Years). The salary increments are given as per this pay scale. For more clear understanding of yearly increments, check the table below.
IBPS Clerk Salary Structure 2025
The IBPS Clerk Salary Structure 2025 is created with the basic pay, allowances, and gross salary. Here’s what the candidates will get after they qualify for the examination and complete the probation period successfully.
| Salary | Amount |
|---|---|
| Basic Pay | 24,050 |
| House Rent Allowance | 2739.83 |
| Dearness Allowance | 4769.12 |
| SPL DA | 1114.23 |
| Transport Allowance | 850 |
| TA DA | 133.71 |
| Gross Salary | 40,720.34 |
IBPS Clerk Salary Deductions 2025
After adding all allowances to the monthly basic salary of a Clerk, a few deductions, such as Pension Fund, Taxes, etc., are made. Check the table below for various deductions.
| Particulars | Deducted Amount |
| Pension Fund Contribution | 2886 |
| Death Relief Fund | 40 |
| Professional Tax | 60 |
| Total Deductions | 2986 |
IBPS Clerk Increments (Yearly)
The employer bank provides increments each and it changes as per the pay scale mentioned above. Candidates can year-wise increments in the table below.
| Basic Pay | Amount |
|---|---|
| Initial Basic Pay | Rs 24,0500 with a yearly increment of Rs 1340 |
| Basic Pay after 3 years | Rs 28,070, with a yearly increment of Rs 1650 for the next three years |
| Basic Pay after the next 3 years | Rs 33,020, with a yearly increment of Rs 2000 for the next four years |
| Basic Pay after the next 4 years | Rs 41,020, with a yearly increment of Rs 2340 for the next 7 years |
| Basic Pay after the next 7 years | Rs 57,400, with a yearly increment of Rs 4400 for the next year |
| Basic Pay after the next 1 year | Rs 61,1800, with a yearly increment of Rs 2680 for the next year |
| Basic Pay after next year 1 year | Rs 64,480 (Maximum Basic Pay) |
IBPS Clerk Salary Slip 2025
Candidates can check the initial salary slip of the IBPS Clerk provided to the newly appointed candidates. The adjustment of salary is completely upon the authorities. The details related to the IBPS Clerk Allowances and Promotion aspect are given below. The details given here may vary due to differences in banks and their working conditions.
IBPS Clerk Allowances
The IBPS Clerk salary allowances are attractive and add significantly to the overall pay. Clerks receive various allowances through IBPS, which may vary depending on factors such as the posting location, branch performance, and other criteria. The different types of allowances offered to IBPS Clerks are listed below:
| Allowance Name | Details |
| Special Allowance |
7.5% of the basic pay
|
| Dearness Allowance (DA) |
19.83% of the basic pay
|
| House Rent Allowance (HRA) |
The HRA depends on the location of the posting. In some metropolitan cities, the highest HRA is 8.5%.
|
| Travel Allowance (TA) |
Expenses on official tours and travels will be reimbursed by the bank.
|
| Medical Allowance (MA) |
This is paid once a year. For IBPS Clerks, the amount is fixed at Rs 2000/- annually.
|
IBPS Clerk Salary After 12th Bipartite Settlement
There can be a significant increase in the IBPS Clerk Salary after the 12th Bipartite Settlement. There has been a hike of 17% in the salaries of the employees who are now working in the public sector banks. Here’s is a comparison of the pay scales before and after 12th BPS.
| IBPS Clerk Pay Scale 12th BPS (Before VS After) | |
| Before 12th BPS | After 12th BPS |
| Rs.19900-1000/1-20900-1230/3-24590-1490/4-30550-1730/7-42600-3270/1-45930-1990/1-47920 | Rs.24050-1340/3-28070-1650/3-33020-2000/4-41020-2340/7-57400-4400/1-61800-2680/1-64480(20 Years) |
IBPS Clerk Job Profile
IBPS Clerk’s Job profile involves a lot of duties and responsibilities, not just accounting, but also includes customer service, cash handling, and customer guidance under its purview. An IBPS Clerk is the first point of contact for bank-related inquiries and issues. He/She deals with the front desk work and customer handling operations, and this is why his Job Profile is also known as Single Window Operator.
The Job Responsibilities of an IBPS Clerk are given below:
- To manage inquiry corners, receipts, withdrawals, etc.
- A clerk also deals with the opening of new accounts, cash collection, issuing bank statements, and handling mail and deliveries.
- Verification of various documents and proofs submitted by the customers
- Updating the passbooks of account holders
- Responsible for bank cash, various important documents, keys, etc.
- Issuing of Demand Drafts (DDs), bank accounts for the customers, cash receipts, etc.
- Sanctioning of withdrawals by the customers
- Maintaining the various documents of the bank, balance sheets, ledger, etc.
- Resolving the various issues of the customers
- Guiding customers relating to various banking activities
- Attending treasury works
Thus, an IBPS Clerk job profile is quite a task without which some of the major bank operations might not be possible.
IBPS Clerk Promotions
The IBPS Clerk role offers excellent opportunities for career growth. Based on performance and contribution, clerks have multiple chances to advance in their careers. Working as a bank clerk provides valuable exposure to different banking operations and allows employees to showcase their skills. Generally, a clerk must complete a minimum service period of 3 years (or 2 years in some banks) before becoming eligible for promotion. Promotions are granted through the following two methods:
- Normal/Seniority process
- Merit-based/Fast-track process
| Type of Promotion | Details |
| Normal Process | Candidates who get promoted through this process don’t require a JAIIB and CAIIB Diploma. IBPS Clerks are promoted based on experience and seniority and a written exam is conducted internally. After the qualification of the written exam, IBPS Clerks become Trainee Officers and then Bank Probationary Officers (PO). |
| Merit Based Process | Under this, the candidates must hold JAIIB and CAIIB diplomas from the Indian Institute of Banking and Finance (IIBF) |
The levels of promotions for an IBPS Clerk in Ascending Order are given below.
IBPS Clerk Career Growth
Career growth in IBPS Clerks starts with promotions. After working for a certain period and gaining experience, clerks can be promoted to higher levels. Further promotions include becoming Officer/Assistant Manager, Manager, and more in the bank.
Continuous skill development and upgrading knowledge in various banking functions can boost career growth. Participating in training programs, and workshops, and acquiring certifications related to banking and finance can improve job prospects and open doors to new opportunities.
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