Key Takeaways:
- The IBPS Clerk basic pay starts at ₹24,050 and can go up to ₹64,480 with increments over 20 years, ensuring steady income growth.
- The in-hand salary is around ₹39,000 per month, with additional benefits like DA, HRA, medical, and transport allowances.
- Clerks can get promoted up to General Manager (Scale VII Officer) through internal exams and performance-based promotions.
IBPS Clerk Salary
The Institute of Banking Personnel Selection (IBPS) offers a stable and rewarding salary package for the post of Clerk (Customer Service Associate) in various public sector banks. As per the 12th Bipartite Settlement, the IBPS Clerk basic pay starts at ₹24,050 and can reach up to ₹64,480 after 20 years of service. The gross monthly salary of an IBPS Clerk is approximately ₹40,700, while the in-hand salary after deductions is around ₹39,000 per month. Along with this, clerks enjoy several benefits like Dearness Allowance (DA), House Rent Allowance (HRA), Medical benefits, and Transport Allowance, ensuring long-term financial stability. Let’s take a detailed look at the IBPS Clerk Salary 2025 structure, increments, and perks below.
IBPS Clerk Revised Basic Salary 2025
The IBPS Clerk Salary 2025 has increased compared to the previous structure, which will lead to better salary increment benefits. Before the 12th Bipartite Settlement, the basic salary started from ₹19,900, but now it starts from ₹24,050, with higher increments at each stage. This revised pay scale not only improves the starting income but also promotes overall career growth, giving clerks an attractive salary over their service period of 20 years.
| IBPS Clerk Revised Basic Salary 2025 | |
| Before | After |
| 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 In-Hand Salary 2025
The IBPS Clerk in-hand salary of an IBPS Clerk ranges from Rs. 39,412 per month. The IBPS Clerk in-hand Salary package is a good amount. Also, all the deductions are mentioned in the IBPS Bank Clerk Salary Slip 2025.
| IBPS Clerk In-Hand Salary | |
| Post Name | In Hand Salary |
| Clerk | Rs. 39,412 per month (approximate) |
IBPS Clerk Salary Structure 2025
The IBPS Clerk salary structure 2025 has been revised as per the 12th Bipartite Settlement. After the implementation of the 12th Bipartite Settlement, the basic pay of an IBPS Clerk starts at ₹24050, with the gross salary ranging between ₹40720 per month.
| Salary Structure of IBPS Clerk 2025 | |
| Particulars | Amount |
| Basic Pay | 24050.00 |
| Dearness Allowance (19.83% revised Nov. 2024) | 4769.12 |
| Special Allowance | 7083.45 |
| SPL DA | 1114.23 |
| House Rent Allowance | 2739.83 |
| Transport Allowance | 850.00 |
| TA DA | 133.71 |
| Gross Salary (approximate) | 40720.34 |
IBPS Clerk Salary Slip 2025
IBPS Clerk Salary Slip is given below. Look at the image below to better understand the salary slip
IBPS Clerk Salary Structure 2025 After 12 Bipartite Settlement
The IBPS Clerk (Customer Service Associate) salary structure 2025, clearly outlined in a tabular format with both basic pay progression and allowances:
Basic Pay Scale (after 12th Bipartite Settlement)
| Years of Service | Basic Pay (₹) |
|---|---|
| Initial (0 years) | 24,050 |
| After 3 years | 28,070 |
| After 6 years | 33,020 |
| After 10 years | 41,020 |
| After 17 years | 57,400 |
| After 18 years | 61,800 |
| After 19 years | 64,480 (approximate) |
IBPS Clerk Grade Pay
IBPS Clerk Grade Pay under the 12th Bipartite Settlement starts with a basic pay of ₹24,050 per month, replacing the earlier starting pay of ₹19,900. The pay scale follows the pattern below: ₹24,050–1340/ 3–28,070–1650/ 3–33,020–2000/ 4–41,020–2340/ 7–57,400–4400/ 1–61,800–2680/ 1–64,480 over a 20-year service period. So, by the time you complete 20 years in this job, your basic pay becomes 64,480. Additionally, there are allowances such as Dearness Allowance, House Rent Allowance, Special Allowance, and Transport Allowance, all of which make the role an attractive one.
Typical Monthly Gross & Net Salary (with allowances)
| Component | Approx. Amount (₹) |
|---|---|
| Basic Pay | 24,050 |
| Dearness Allowance (approx.) | 3,783 |
| House Rent Allowance (HRA) | 2,699 |
| Special Allowance | 7,376 |
| Transport Allowance | 984 |
| Gross Salary Total | 41,170 |
| Deductions (NPS, union fee, etc.) | ≈ 2,983 |
| Net In-hand Salary | ≈ 38,180 |
IBPS Clerk Salary Perks and Allowances
For the Clerk Post, there are multiple allowances provided to the employees. The allowances depend on various factors like location and posting. Here we are providing the IBPS Clerk Salary allowances 2025.
| IBPS Clerk Salary Allowances 2025 | |
| Allowances | Amount |
| Special Allowance | Rs 4118/- |
| Dearness Allowance (DA) | 4% of basic pay |
| House Rent Allowance (HRA) | 6.5% to 8.5% depending upon the location of the posting. |
| Travel Allowance (TA) | Expenses on official tours and travels will be reimbursed by the bank. |
| Medical Allowance (MA) | Rs 2000/- annually (Fixed Amount) |
IBPS Customer Service Associate Salary Increment
The IBPS Customer Service associate salary structure is based on a basic pay of ₹24,050, with regular increments as per bank norms. Over time, clerks receive annual increments and pay revisions under a bilateral agreement.
| IBPS Clerk Pay Scale 2025 | |
|---|---|
| Basic Pay | Amount |
| Initial Basic Pay | Rs 24050 with a yearly increment of Rs 1340 |
| Basic Pay after 3 years | Rs 28070 with a yearly increment of Rs 1650 for the next three years. |
| Basic Pay after the next 3 years | Rs 33020 with a yearly increment of Rs 2000 for the next four years. |
| Basic Pay after the next 4 years | Rs 41020 with a yearly increment of Rs 2340 for the next 7 years. |
| Basic Pay after the next 7 years | Rs 57400 with a yearly increment of Rs 4400 for the next one year. |
| Basic Pay after the next 1 year | Rs 61800 with a yearly increment of Rs 2680 for the next one year. |
| Basic Pay after next year | Rs 64480(Maximum Basic Pay). |
IBPS Clerk Career Growth
The Clerk is an entry-level position in any banking exam. The IBPS Clerk will get the largest opportunities to prove their work qualities, which can provide a promotion to a senior post. Below, we are providing the IBPS Clerk benefits and promotions.
- Assistant Manager – Scale 1
- Manager – Scale 2
- Senior Manager – Scale 3
- Chief Manager – Scale 4
- Assistant General Manager – Scale 5
- Deputy General Manager – Scale 6
- General Manager – Scale 7
IBPS Clerk Salary in Hand: Urban vs Rural Posting
The in-hand salary of an IBPS Clerk depends a lot on where the person is posted. The basic pay is fixed at ₹24,050 (as per the 12th Bipartite Settlement) and remains the same for everyone. But the difference comes from allowances like HRA (House Rent Allowance) and Transport Allowance, which vary by location.
- If a clerk is posted in an urban or metro city, they get slightly higher allowances, which means a higher take-home salary.
- In rural areas, the allowances are lower, but the cost of living is also cheaper, so the salary feels equally useful in terms of savings and purchasing power.
Salary Difference in Metro Cities vs Small Towns
- In metro cities, clerks get a higher HRA — around 9% or more of basic pay.
- In small towns, the HRA is lower — about 7% or 6.5% of basic pay.
- Because of this, an IBPS Clerk in a metro city may take home ₹1,000–₹2,000 more every month compared to someone posted in a smaller town.
But here’s the catch:
- Living in a metro is much costlier (rent, travel, food, etc.), so even though the salary is higher, savings may not be much.
- In smaller towns, even with slightly lower salaries, clerks often save more because expenses are less.
Impact of HRA & Location on Take-Home Pay
- HRA (House Rent Allowance): This is the biggest factor. Since it is calculated as a percentage of basic pay, clerks in metros get more HRA, which increases their gross and in-hand salary.
- Transport Allowance: Some banks give higher transport allowances in cities where commuting costs are higher.
- Net Effect: Even though the gross salary structure is the same all over India, the final in-hand salary credited to the account changes depending on the posting.
In simple terms: Location matters. A clerk in a metro city will get a little more in-hand salary, but higher expenses balance it out. A clerk in a rural posting may get slightly less, but can save more because life is less costly.
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| IBPS Clerk Previous Year Question Paper |
FAQs
The IBPS Clerk Salary 2025 structure is Rs. 24050 – 1340/3 – 28070 – 1650/3 – 33020 – 2000/4 – 41020 – 2340/7 – 57400 – 4400/1 – 61800 – 2680/1 – 64480 (20 years).
The starting salary for an IBPS Clerk is Rs. 24,050.
The in-hand salary of an IBPS Clerk ranges between ₹39,412 per month, depending on the posting location and allowances.
Yes, apart from the basic pay, IBPS Clerks receive multiple allowances like DA, HRA, medical, transport, and special allowances.
There is a 17% increase in the IBPS Clerk salary following the 12th Bipartite Settlement. The starting basic pay has changed from 19,900 to 24,050.
In the IBPS Customer Service Associate Salary Slip 2025, you can check the basic pay, allowances, gross pay, deductions, and net salary.
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