IBPS Clerk Salary 2025: Pay Scale, Perks & Growth Explained !

Published on October 14, 2025

6 Min read time

The IBPS Clerk Salary 2025 begins at ₹24,050 and progresses according to a well-defined pay scale, eventually reaching ₹64,480 through regular increments. The salary structure includes stages of growth such as ₹1340 for the first 3 years, followed by ₹1650 for the next 3 years, and continues similarly. Along with the basic pay, clerks also receive various allowances like Dearness Allowance (DA), House Rent Allowance (HRA), and Transport Allowance, as per bank regulations. Over time, the in-hand salary steadily rises with promotions and annual increments.

IBPS Clerk Salary Overview

The IBPS-appointed clerk has several responsibilities, including handling cash withdrawals and deposits. They issue DD and cash receipts, update customer passbooks, and handle the queries of the customers. They also manage the financial documents of their branch and handle the treasury work. The IBPS Clerk Salary Per Month ranges from Rs 28,000 to Rs 30,000. Let’s look at the important things about the IBPS clerk salary in detail.

There is a difference in salaries because of the city of posting.
The allowances and deductions may change as per government regulations.
The deductions would include IT deductions, PF, and others.

To know more information about the IBPS Job profile, read: Institute of Banking Personnel Selection.

IBPS Clerk Salary Structure

The IBPS released the detailed IBPS Clerk 2025 Notification PDF on 31st July 2025, announcing 10,277 Clerk vacancies. The pay scale for an IBPS Clerk is structured as Rs. 24,050 – 1340/3 – 28,070 – 1650/3 – 33,020 – 2000/4 – 41,020 – 2340/7 – 61,800 – 2680/1 – 64,480 (over a span of 20 years). Based on this structure, the in-hand salary of an IBPS Clerk typically ranges between Rs. 40,000 to Rs. 42,000 per month. A detailed salary structure for candidates selected through IBPS Clerk 2025 Recruitment is provided in the table below.

Component	Amount (in Rs.)
Basic Pay	24,050
Dearness Allowance (DA)	4,769.12
Special Allowance	7,083
Transport Allowance	850
House Rent Allowance (HRA)	2,739.83
TA/DA	133.71
Gross Pay	40,720.34
Deduction (NPS, Union Fee)	2,986
Net Pay	37,734.34

IBPS Clerk Pay Scale

The initial monthly salary of an IBPS Clerk ranges from ₹40,000 to ₹42,000, which includes Dearness Allowance and other benefits. The pay scale follows this structure over 20 years: ₹24,050 – 1,340 (3) – 28,070 – 1,650 (3) – 33,020 – 2,000 (4) – 41,020 – 2,340 (7) – 61,800 – 2,680 (1) – 64,480.

Here’s the breakdown:

For the first 3 years: Basic Pay is ₹24,050 with an annual increment of ₹1,340.
Next 3 years: Basic Pay becomes ₹28,070 with an annual increment of ₹1,650.
Following 4 years: Basic Pay is ₹33,020 with a yearly increment of ₹2,000.
Next 7 years: Basic Pay reaches ₹41,020 with a yearly increment of ₹2,340.
After that 1 year: Basic Pay rises to ₹61,800 with an increment of ₹2,680.
In the final year: Basic Pay reaches the maximum of ₹64,480.

Years of Service	Basic Pay	Increment
Initial 3 years	₹24,050	₹1,340 yearly
Next 3 years	₹28,070	₹1,650 yearly
Next 4 years	₹33,020	₹2,000 yearly
Next 7 years	₹41,020	₹2,340 yearly
Next 1 year	₹57,400	₹4,400 yearly
Next 1 year	₹61,800	₹2,680 yearly
Final Stage (Max Pay)	₹64,480	—

So, the basic pay starts at ₹24,050 and can reach up to ₹64,480 over the course of 20 years.

IBPS Clerk In Hand Salary

In 2025, an IBPS Clerk can expect an in-hand salary of approximately ₹37,000 to ₹38,000 per month after deductions. This amount includes multiple allowances such as Dearness Allowance, House Rent Allowance, Transport Allowance, and Special Allowance. The gross monthly salary can range between ₹40,000 and ₹42,000, depending on the city of posting and the respective bank’s policies. Overall, the pay structure offers financial security along with attractive additional perks.

IBPS Clerk Salary: Other Allowances

In addition to the basic salary, IBPS Clerks are entitled to several allowances:

Dearness Allowance (DA): This is 4% of the basic pay and is linked to the Consumer Price Index (CPI). It is revised every three months.
House Rent Allowance (HRA): HRA varies based on the location of the posting:
- 8.5% of basic pay in metro cities
- 7.5% for cities with a population above 5 lakhs
- 6.5% for other locations
Travel Allowance: Expenses for official travel are reimbursed by the bank.
Medical Allowance: A fixed amount of ₹2,000 is provided annually to cover medical expenses.
Special Allowance: Clerks receive a fixed special allowance of ₹7,083.45.

IBPS Clerk Job Profile

As an entry-level role, the IBPS Clerk position offers valuable learning experiences and growth opportunities. The more knowledge and skills you gain, the faster you can progress in your career.

The key responsibilities of an IBPS Clerk include:

Verifying documents and proofs submitted by customers
Handling cash, important documents, and bank keys
Approving withdrawal requests
Maintaining records like balance sheets and ledgers
Addressing and resolving customer queries and concerns
Issuing demand drafts, opening accounts, and handling cash receipts
Providing information about new schemes and government policies
Assisting customers with various banking services
Managing treasury-related tasks
Updating customer passbooks
Performing other assigned duties as needed

IBPS Clerk Promotions

The promotion hierarchy for IBPS Clerk is as follows:
Clerk → Officer/Assistant Manager → Manager → Senior Manager → Chief Manager → Assistant General Manager → Deputy General Manager → General Manager.

IBPS Clerk offers a stable job with a good salary and promising career growth in the banking sector. Promotions are based on performance, and the growth opportunities are quite rewarding. However, a minimum of 2 years of service is required before becoming eligible for promotion. After that, clerks can be promoted approximately every two years through one of the following two methods:

1. Normal Process – This route does not require JAIIB or CAIIB diplomas. Promotions are based on seniority and work experience. Clerks need to pass an internal written exam to be promoted to Trainee Officer and later to Probationary Officer (PO).

2. Merit-Based Process – In this method, candidates must hold JAIIB and CAIIB certifications from the Indian Institute of Banking and Finance. Promotions are granted based on both merit and qualifications.

IBPS Clerk Salary Slip

The IBPS Clerk Salary Slip is issued monthly by the board for each employee. It includes details such as basic pay, deductions, allowances, bonuses, and incentives. Since the IBPS clerk salary slip holds significant importance for employees, it is either sent or provided to them directly. It can also be used for loan applications or other personal financial purposes.

IBPS Clerk Salary Increment (Year-wise)

The IBPS Clerk Salary consists of basic pay and various allowances. The minimum basic pay starts at ₹26,730, while the maximum basic pay can reach ₹47,920. The salary increases progressively based on a structured yearly increment system.

Initial Basic Pay: ₹19,900 with an annual increment of ₹655 for the first three years.
After 3 Years: ₹20,900 with an annual increment of ₹815 for the next three years.
After Next 3 Years: ₹24,590 with an annual increment of ₹980 for the next four years.
After Next 4 Years: ₹30,550 with an annual increment of ₹1,145 for the next seven years.
After Next 7 Years: ₹42,600 with an annual increment of ₹2,120 for the next one year.
After Next 1 Year: ₹45,930 with an annual increment of ₹1,310 for the next one year.
Final Basic Pay: ₹47,920 (Maximum Basic Pay).

This structured increment system ensures career growth and a steady rise in salary for IBPS Clerks over the years.

IBPS Clerk Job Profile

After understanding the salary and the allowances linked to IBPS, let’s look at the job profile:

Update the passbook of customers of that particular bank branch.
Verify the documents provided by the customers. 
Issue Demand Drafts (DD), cash receipts, bank accounts, and other services related to banking.
Provide information about the government’s and RBI’s latest schemes and incentives.
Maintain the balance sheets, ledgers, and other financial documents.
Address the queries of the customers.
Manage the cash withdrawals and deposits.
Handle the responsibility of treasury work.

The job profile of an IBPS clerk is quite comprehensive. They have to handle several responsibilities. So, according to the job profile and responsibilities, the IBPS clerk’s salary is decent, and the job is respectable.

IBPS Clerk Career Growth and Promotion

Banks under IBPS provide promotion opportunities to employees based on their performance. IBPS Clerks not only receive a competitive salary but also have excellent career growth prospects. To be eligible for a promotion, an employee must complete a minimum of two years of service. Promotions are granted through two processes:

1. Normal Promotion Process

In this process, employees are promoted based on experience and seniority.
No JAIIB or CAIIB diploma is required.
Employees must clear an internal written exam conducted by the bank.
After qualifying, IBPS Clerks are promoted to Trainee Officer, followed by Bank Probationary Officer (PO).

2. Merit-Based Promotion Process

This process requires candidates to hold a JAIIB and CAIIB diploma from the Indian Institute of Banking and Finance (IIBF).
Employees with these qualifications can fast-track their career growth compared to the normal promotion process.

Aspiring IBPS Clerk candidates should prepare well for the exam and future career advancements. Understanding the roles, salary structure, and promotion opportunities is essential for making an informed career decision.

The promotion hierarchy for IBPS Clerk employees follows these stages:

Clerk
Officer (Trainee Officer/Assistant Manager)
Bank Probationary Officer (PO)
Manager
Senior Manager
Chief Manager
Assistant General Manager
Deputy General Manager
General Manager

The promotions are based on two criteria. Let’s understand them in brief.

Seniority-based promotion	The candidates should have a CAAIB or JAIIB diploma from the Indian Institute of Banking and Finance.
The candidates have to pass a written exam. The exam is organized internally. In this case, they do not require JAIIB to CAAIB diploma.	The candidates have to pass a written-based exam. The exam is organized internally. In this case, they do not require JAIIB to CAAIB diploma.

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Frequently Asked Questions ( FAQs )

What is the salary of IBPS clerks after one year?

Ans. The basic salary of IBPS clerks increases to Rs 20,900 with an increment of Rs 1230 per year for 3 years.

Which IBPS clerk salary is the highest?

Ans. The ibps clerk salary in hand depends on different factors. The factors are the place of posting, government regulations, and others. So, the salary would differ by some amount for different IBPS clerks.

Is an IBPS clerk a good job?

Ans. Yes, the bank clerk is a respectable job. The salary is good with different allowances and perks. The candidates get promotions as their experience increases.

Is an IBPS clerk a permanent job?

Ans. The bank clerk has to undergo a probation of six months. Once the candidate clears the assessment after probation, they would be considered for the permanent role.

Is there any probation period for IBPS Clerks?

Ans. Yes, IBPS Clerks have a 6-month probation period, which may extend up to 1 year depending on performance.

Authored by, Nidhi Kukreja
Exam Prep Advisor

Nidhi is a passionate writer who specializes in long-form, research-backed content that delivers real value. Whether she’s writing blog articles or creating educational modules, she focuses on making complex topics clear, detailed, and easy to understand. Her content is designed to build knowledge and credibility, helping readers gain deeper insights with every piece.

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