RRB PO Revised Salary 2025: The Institute of Banking Personnel Selection (IBPS) offers a good salary package for the post of Officer Scale-I in Regional Rural Banks (Rural Banks) across India. As per the official notification, the IBPS RRB PO basic pay starts from ₹48,480, and after regular increments, it reaches up to ₹85,920. Apart from these, selected candidates are entitled to special allowance, Dearness Allowance, House rent Allowance and Location Allowance and many more things as per the rules of the participating banks.
The gross salary of an IBPS RRB PO is around ₹80,437. It includes various other perks and allowances. The in-hand salary is approximately ₹74,561 per month. In this blog, we have explained the salary structure, growth opportunities for an RRB PO, along with a salary slip for better understanding.
- IBPS RRB PO basic pay starts at ₹48,480 and can reach up to ₹80,437 with increments.
- The gross monthly salary is around ₹80,437, with an in-hand pay of approximately ₹74,561.
- Employees receive multiple perks like DA, HRA, medical aid, and other allowances, ensuring financial growth.
RRB PO Salary 2025: Basic Pay
In this section, we have provided the details regarding the basic pay and the increment cycle in which it grows.
| Stage | Increment | No. of Years | Basic Pay Progression (₹) |
| Initial Pay | ₹1,490 | 7 Years | ₹48,480 → ₹58,910 |
| Next Stage | ₹1740 | 2 Years | ₹58,910 → ₹62,390 |
| Final Stage | ₹1990 | 7 Years | ₹62,390 → ₹76,320 |
IBPS RRB PO Salary Structure
As of 2025, the RRB PO salary structure has been revised to offer an attractive compensation package. The initial basic pay for an Officer Scale I is ₹48,480. Here, we provide the IBPS RRB PO basic salary, gross salary, and in-hand salary in the table below.
Detailed Salary Breakdown:
| Component | Amount (₹) |
| Basic Pay | 48,480 |
| Special Allowance | 15,571 |
| Dearness Allowance (DA) | 10,278 |
| House Rent Allowance (HRA) | 3,878 |
| Location Allowance | 1,200 |
| Learning Allowance | 1,030 |
| Gross Salary | 80,437 |
| NPS Deduction | 5,876 |
| In-hand Salary | 74,561 |
IBPS RRB PO In Hand Salary 2025
According to the revised salary package, the in-hand salary for Officer Scale-1 is ₹74,561. This amount includes the basic pay along with allowances such as DA, HRA, and other benefits.
| Post | Salary |
| Officer Scale-I (Probationary Officer) | Rs.74561 |
IBPS RRB PO Salary Structure 2025 (Revised As per New Settlement)
As of 2025, the IBPS RRB PO salary structure has been revised to offer an attractive compensation package. The initial basic pay for an Officer Scale I is ₹48,480. Here, we provide the IBPS RRB PO basic salary, gross salary, and in-hand salary in the table below.
Detailed Salary Breakdown:
| Component | Amount (₹) |
| Basic Pay | 48,480 |
| Special Allowance | 15,571 |
| Dearness Allowance (DA) | 10,278 |
| House Rent Allowance (HRA) | 3,878 |
| Location Allowance | 1,200 |
| Learning Allowance | 1,030 |
| Gross Salary | 80,437 |
| NPS Deduction | 5,876 |
| In-hand Salary | 74,561 |
Detailed Components of IBPS RRB PO Salary Structure 2025
The salary structure for the IBPS RRB PO contains more components, including basic pay, allowances, and deductions. Below is a detailed breakdown of each component, based on the latest information.
1. Basic Pay
As per the 12th Bipartite Settlement, the RRB PO’s revised basic salary is ₹48,480, reflecting the 17% salary hike.
- Initial Basic Pay: ₹48,480 (post-revision)
- Maximum Basic Pay: ₹63,840 (after increments over 16 years)
2. Allowances
Allowances are an important part of the IBPS RRB PO salary, enhancing the overall compensation package. These allowances are either fixed or calculated as a percentage of the basic pay, and they vary based on the place of posting (rural, semi-urban, or urban areas). The key allowances include:
a. Dearness Allowance (DA)
- Purpose: Dearness Allowance is provided to offset the impact of inflation and rising living costs.
- Estimated Amount: Approximately 17.47% of basic pay, depending on the revision cycle. For a revised basic pay of ₹48,480, DA could be around ₹ 10,278
b. House Rent Allowance (HRA)
- Purpose: HRA compensates for accommodation expenses, particularly for employees posted in areas where bank quarters are not provided.
- Calculation: HRA varies based on the location of posting:
- Major Cities: 8–9% of basic pay.
- Other Cities: 7–8% of basic pay.
- Rural Areas: 5–7% of basic pay (most RRB POs are posted in rural or semi-urban areas).
- Estimated Amount: For a basic pay of ₹48,480, HRA ranges from ₹3878.
c. Special Allowance
- Purpose: Special Allowance is provided to compensate for additional responsibilities and challenges associated with the PO role.
- Estimated Amount: For a basic pay of ₹48,480, the Special Allowance is around ₹5,904.
d. Travel Allowance (TA)
- Purpose: TA covers travel expenses incurred for official duties, such as attending training, meetings, or field visits.
- Estimated Amount: Typically ranges from ₹700 to ₹2,000 per month, depending on the bank’s policy and the frequency of official travel.
e. Medical Allowance
- Purpose: To cover medical expenses for the officer and their dependents.
f. Other Allowances
- Newspaper Allowance: A fixed amount (e.g., ₹1,800 per annum) to cover the cost of newspapers.
- Conveyance Allowance: Compensation for commuting expenses, typically a fixed amount or linked to travel requirements.
- Learning Allowance: A small amount (e.g., ₹833 per month) to encourage professional development.
- Location Allowance: Provided in some RRBs for postings in challenging or remote areas (e.g., ₹700 per month).
- Pension Benefits: Contributions to the New Pension Scheme (NPS) or other retirement benefits are partially deducted from the salary.
3. Gross Salary
The gross salary is the sum of the basic pay and including all allowances, before deductions. Based on sample salary slips from 2025, the gross salary for an IBPS RRB PO is approximately:
- For Revised Basic Pay of ₹48,480:
- Basic Pay: ₹48,480
- Dearness Allowance: ₹10,278
- House Rent Allowance: ₹3,878
- Special Allowance: ₹15,571
- Other Allowances: ₹4,455
- Total Gross Salary: ₹80,437
4. Deductions
Deductions are subtracted from the gross salary to arrive at the net in-hand salary. Common deductions include:
- Provident Fund (PF): Approximately 10–12% of basic pay, contributing to retirement savings.
- National Pension Scheme (NPS): A mandatory contribution (e.g., 10% of basic pay + DA).
- Income Tax (TDS): Based on the applicable tax slab (e.g., ₹500–₹2,000 per month, depending on income).
- Union Fees: Nominal charges for employee union membership (e.g., ₹100 per month).
- Other Deductions: May include contributions to welfare funds or insurance premiums.
- Estimated Total Deductions:
- For gross salary of ₹80,437: Approximately ₹5,876, resulting in a net salary of ₹74,561.
IBPS RRB Probationary Officer Salary Deductions
Here we are providing the IBPS RRB Probationary Officer salary deduction. Candidates can check the complete deductions provided in the table below.
| IBPS RRB Probationary Officer Salary Deductions | |
| Deductions | Amount |
| NPS | 5,346 |
| NPS EE | 5,346 |
| PT | – |
| PF | – |
| Total Deductions | 10,692 |
5. Net In-Hand Salary
The net in-hand salary is the amount credited to the employee’s bank account after deductions. Based on the latest data:
- For Revised Basic Pay of ₹48,480: The in-hand salary ranges from ₹74,561 per month.
The net salary varies based on the place of posting, the specific RRB, and the applicable deductions. Rural postings typically result in lower HRA but also lower living costs, making the net salary highly competitive.
IBPS RRB PO Salary During Probation
During the probation period of two years, IBPS RRB POs receive a fixed salary, which is slightly lower than the regular pay scale. The basic pay during this period is usually ₹48,480, depending on the bank’s policy. Allowances such as DA, HRA and SA are still applicable, but the total package may be lower. After completing the probation period, officers are confirmed as Assistant Managers and receive full pay as per the Officer Scale-I pay scale.
Job Responsibilities of RRB PO
In this section, we are discussing the job responsibilities of RRB PO.
Monitoring Banking Services
As an RRB PO, you are responsible for the overall management of every branch’s operations, facilitating cash transactions, and keeping records of withdrawals, deposits, and loan-related tasks.
Loan Arrangement and Debt Collection
Among their many responsibilities, they must process loan applications submitted by customers, check all supporting documentation for each application, and manage loan collections, particularly for agricultural borrowers and other small business pyramid establishments.
Address Customer Queries
Officers will work and communicate directly with customers to address credit queries, recommend inclusion and financial involvement to the community, and promote banking products such as insurance, credit cards, and government schemes.
Research Marketing for Business Growth
As a PO, you need to help the business in moving forward by working with other banking officers, maintaining records of customers and opening new customer accounts, sure that the contact and connection to the bank is uninterrupted, and even persuading and promoting the products as designed, with as many customers as possible initiating transactions.
Act as a Government Agency
As an RRB PO, you must ensure that all agencies of government programs and schemes like PMJDY, PM Kisan Yojana, and MUDRA loans are carried out as determined within the steady specified area of the district of practice.
Cash Handling
As a part of your day-to-day work of RRB PO, the supervisor of cash, the cashier, monitors cash transaction details, final tally of daily transaction reporting, and ensures that cash handling and compliance are followed as per the bank’s policy and compliance requirements.
IBPS RRB PO Career Growth & Promotion
In this section, we are talking about career growth and promotion. Promotions depend on experience, performance, and departmental exams. The well-structured hierarchy offers excellent career growth opportunities, making the role of an IBPS RRB PO both challenging and rewarding.
| Level | Designation | Description |
| 1 | Probationary Officer (Officer Scale-I) | An entry-level position where officers learn branch operations, customer service, and loan processing during the probation period. |
| 2 | Assistant Manager | Promoted after successfully completing the two-year probation period; responsible for handling core banking and administrative duties. |
| 3 | Manager (Officer Scale-II) | Achieved through experience and strong performance; manages branch operations, loan approvals, and staff supervision. |
| 4 | Senior Manager (Officer Scale-III) | Attained after further experience and consistent performance; oversees multiple branches or large-scale operations. |
| 5 | Chief Manager | Senior leadership position focusing on policy execution, audit compliance, and regional business growth. |
| 6 | Assistant General Manager (AGM) | High-level managerial role responsible for monitoring regional performance and implementing strategic plans. |
| 7 | Deputy General Manager (DGM) | Senior executive position overseeing major functional areas and ensuring policy compliance across zones. |
| 8 | General Manager (GM) | The highest post in RRBs; involved in top-level decision-making, coordination with NABARD/RBI, and overall bank administration. |
IBPS RRB PO Allowances and Perks
The RRB PO position not only offers a stable banking career but also comes with several financial and lifestyle benefits. These perks ensure comfort, security, and a good work-life balance for officers.
Leased Accommodation
In certain cases, RRB POs can opt for leased accommodation instead of receiving a House Rent Allowance (HRA), making it easier to manage housing needs conveniently.
Travel Allowance
Officers are eligible for reimbursement of travel expenses incurred for official duties, ensuring smooth and comfortable travel for work-related purposes.
Medical Reimbursement
RRB POs and their families are entitled to medical reimbursement facilities, which help cover hospital or treatment expenses and provide financial security during medical emergencies.
Leave Policy
The leave structure includes various types such as casual leave, medical leave, maternity or paternity leave, and other special leaves, ensuring a healthy work-life balance.
Other Benefits
Additional perks include pension schemes, newspaper and conveyance allowances, and benefits under the New Pension Scheme (NPS), ensuring long-term financial stability and convenience.
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RRB PO Salary Structure 2025: FAQ
₹48,480 as basic pay, with a gross salary of around ₹80437 per month.
Around ₹80437 per month after deductions.
Yes, they receive DA, HRA, Special Allowance, Medical Allowance, Travel Allowance, and other perks.
RRB PO can be promoted to Officer Scale-II, Officer Scale-III, AGM, DGM, GM, and even Chairman based on performance.
Yes, generally a probation period of 2 years.
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