IBPS PO Salary 2025, Check Per Month Pay Structure, In hand Salary After 5, 10 Years

The Institute of Banking Personnel Selection (IBPS) conducts the IBPS PO exam to recruit qualified candidates for the position of Probationary Officer in various Public Sector Banks (excluding SBI). One of the key attractions of this role is the lucrative salary package, which includes a competitive basic pay, numerous allowances, and additional perks. As per the 12th Bipartite Settlement, the IBPS PO starting basic pay is ₹48,480, with a structured pay scale of ₹48,480 – 2000/7 – 62,480 – 2340/2 – 67,160 – 2680/7 – 85,920. In this article, we provide a detailed look at the IBPS PO salary structure for 2025, including gross salary, in-hand salary for freshers, and all the major allowances. Based on the latest IBPS PO salary slip, the gross monthly salary is approximately ₹90,000, while the in-hand (net) salary for new joiners is around ₹75,000. Read on to explore the full salary slip and understand what makes this role financially rewarding.

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IBPS PO Salary 2025

IBPS PO Salary 2025 is one of the most attractive aspects of the job, attracting thousands of candidates every year. As per the latest structure, a Probationary Officer (PO) in a public sector bank gets a basic salary of ₹48,480 along with various allowances such as Dearness Allowance (DA), House Rent Allowance (HRA), Special Allowance, and City Compensatory Allowance (CCA).

Bank PO Salary 2025: Overview

As per the latest settlement, IBPS PO/MT Salary 2025 has a 15% increase in the payslip component for employees. This adjustment is applicable across public sector banks until a new settlement is introduced. Candidates can check the IBPS Probationary Officer Salary 2025 Overview in the article below and know all the details.

IBPS PO In Hand Salary 2025

The starting basic pay has been updated to ₹48,480/-, with the revised pay scale structured as ₹48,480-2000/7-62,480-2340/2-67,160-2680/7-85,920. The IBPS PO salary contains multiple allowances like dearness allowance, special allowances, house rent allowance (HRA), and additional benefits.

IBPS PO Salary Structure 2025

Upon joining as an IBPS Probationary Officer, the starting IBPS Probationary Officer Salary 2025 ranges between Rs. 48,480. In the given range of salary, this includes components such as dearness allowances, special allowances, house rent allowance (HRA), and additional benefits. The gross salary before deductions is around Rs. 90,000, resulting in an in-hand salary of Rs. 76,000 after some necessary deductions.

IBPS PO Salary Structure 2025: Perks & Allowances

Refer to the table below for a quick overview of the IBPS PO Salary Structure 2025, Perks & Allowances:

IBPS PO Housing Allowance (HRA): The HRA constitutes a segment of the IBPS PO Salary 2025 and fluctuates depending on the city of the PO’s assignment. The percentage can be 9.0%, 8.0%, or 7.0% of the basic salary, contingent on whether it’s a metro city, a major city, or another location.

IBPS PO Dearness Allowance (DA): DA is an allowance granted as a proportion of the basic salary. It undergoes revision every three months, influenced by the inflation rate determined by the All India Consumer Price Index Data released by the Government of India.

IBPS PO Special Allowance (SA): This allowance, constituting around 7.75% of the base pay, witnessed an increment in the recent wage adjustment, becoming effective in November 2017.

IBPS PO City Compensatory Allowance (CCA): CCA varies based on the city type and can be 0%, 3%, or 4% of the basic salary. Apart from these, an IBPS PO enjoys various benefits like Learning Allowance, Travelling Allowance, Newspaper Reimbursement, Medical Aid, and benefits under the New Pension Scheme. When combined, the total IBPS PO Salary in 2025 may reach approximately Rs. 52,000 or more.

IBPS PO Starting Salary

In the beginning phase of IBPS PO, the starting in-hand salary is Rs. 76,000/-. The basic pay is Rs. 48,480/- and gross salary ranges from Rs. 85,000/- to Rs. 90,000/- approx. The gross salary is different for different places. There is a slight variation in the salary of a PO who works in a metropolitan city and a PO who works in a tier II city.

IBPS PO PaySlip (Latest)

Here we are providing the IBPS PO salary slip to understand the probationary officer’s salary. The candidates can check the IBPS PO pay slip below.

IBPS PO Promotion Policy

Public sector banks typically adhere to consistent guidelines from the Ministry of Finance, Government of India, for their promotion policy. There are two promotion channels: the standard channel and the merit channel. Complete details can be found in the following link: Promotional Channels for PO in Public Sector Banks.

For an IBPS PO’s Professional Development Officer JMGS I or probationary officers in banks, the salary ranges between Rs. 52,000 and Rs. 55,000. For other Scale officers – MMGS II, MMGS III, SMGS IV, SMGS V.

IBPS PO Salary After 5 Years

As per the 12th Bipartite Settlement (effective April 2024), an IBPS PO’s salary structure after roughly 5 years of service looks like this:

Basic Pay After 5 Years

• Starting basic pay: ₹48,480
• Annual increments: ₹2,000 for the first 7 years
• After 5 years:
•  Basic pay- ₹48,480 + (5 × ₹2,000) = ₹58,480

Allowances (approximate)
Based on typical percentages from the revised pay scale:
Allowance Approx. % of BasicValue on ₹58,480 base Dearness Allowance (DA)~19.8%₹11,575House Rent Allowance (HRA)7–9% (varies by city)₹4,100–₹ 5,260 Special Allowance~7.75% ₹ 4,532 City Compensatory Allowance (CCA)0–4% (city-dependent)₹0–₹2,340Other (learning, DA-Other, etc.)Fixed components/groups~₹3,750–₹4,000

• Estimated Gross Salary: ₹83,000–₹86,000 (main city postings)

IBPS PO In Hand Salary After 5 Years

After statutory deductions (PF, NPS, tax, etc.):

• Estimated net pay: ₹60,000–₹70,000 per month
•  Multiple sources indicate that in‑hand after 5 years is typically ₹60 K–65 K, potentially even ₹70 K in metro postings

IBPS PO Salary After 10 Years

IBPS Probationary Officer Salary after 10 Years likely depends on the promotions and current salary schedule. The basic pay may vary from Rs. 85,000 to Rs. 1,00,000 or more, depending on the location you are posted. One can be promoted to higher positions, such as Scale 2 and 3. The calculations are done as per the 13th bipartite settlement.

IBPS PO Salary after 12th bipartite settlement

The starting basic pay after the 12th bipartite settlement is approximately ₹48,480 per month. Gross salary is approximately ₹68,000 – ₹91,000. The net in-hand salary is around ₹61,000 – ₹76,000 (varies by source and location).

IBPS PO Salary after 13th bipartite settlement

Speculative projections suggest potential salary increases of around 17% over the 12th BPS, bringing entry-level IBPS PO gross salaries in metro areas to approximately ₹68,000 – ₹71,000 per month.

IBPS PO Salary 2025 Job Profile

The role of a Probationary Officer in the banking sector is highly esteemed and sought after by graduates. In this section, we will talk about the work profile, responsibilities, and tasks that a Probationary Officer must undertake post-selection.

1. During the probation period, candidates undergo training to handle various banking tasks like finance, accounting, billing, investments, and revenue collection.
2. A PO assists in resolving customer queries.
3. The PO oversees and manages activities at the assigned branch.
4. Identifying and exploring new business opportunities for the branch is a key responsibility.
5. POs supervise daily transactions and loan-related activities.
6. Maintaining good public relations with customers and reporting issues to higher bank authorities are crucial aspects of their role.

IBPS PO Salary 2025 Career Growth

The career path for a Probationary Officer is enticing, offering numerous opportunities based on performance, experience, and knowledge. Promotions are attainable through regular participation in IBPS tests.

• Middle Manager: Middle Management Grade Scale 2.
• Senior Manager: Middle Management Grade Scale 3.
• Chief Manager: Senior Management Grade Scale 4.
• Assistant General Manager: Senior Management Grade Scale 5.
• Deputy General Manager: Top Management Grade Scale 6.
• General Manager: Top Management Grade Scale 7.
• Executive Director: A role involving crucial decision-making and department oversight.
• Chairman and Managing Director: The highest position, leading the bank’s operations with the highest authority.

Participating Bank for IBPS PO 2025

Participating Banks for IBPS PO 2025: The following banks will participate in IBPS PO 2025:

To reach these positions, candidates must appear in promotional exams conducted by IBPS at different career stages, presenting vast and attractive growth opportunities for an IBPS Probationary Officer.

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