IBPS Clerk Salary 2025 In Hand: Allowance, Promotion and Job Profile

One of the reasons why banking aspirants aim for IBPS Clerk is the attractive salary it offers, along with numerous career advancement opportunities. The IBPS Clerk Salary offers various perks and benefits that attract aspirants from all over the country. Learn all about the IBPS Clerk Salary Structure, In-hand salary, allowances, and promotion opportunities in this blog!

IBPS Clerk Salary 2025 

The IBPS Clerk Salary Structure offers an employee financial stability and a wide range of perks that make this role one of the most desirable government jobs among aspirants. The basic salary of an IBPS Clerk is Rs. 26730, which goes up to Rs.46890 after the addition of various allowances and deductions. There are regular revisions in the IBPS Clerk Salary Structure to remain competitive with other government roles. Along with that, the IBPS Clerk employee also gets multiple opportunities for career growth.

IBPS Clerk Salary Structure 2025

The IBPS Clerk Salary Structure shows all the allowances an IBPS Clerk receives, along with the deductions like tax and NPS contribution. Here is the complete breakdown of the IBPS Clerk Salary:

IBPS Clerk Notification 2025

IBPS Clerk Salary in Hand 2025

The in-hand salary that an IBPS PO receives is about Rs.43239 per month. The IBPS PO Salary has various components like Dearness Allowance (DA), House Rent Allowance (HRA), Special Allowance, and other perks. There are certain deductions, like Income Tax, and other statutory contributions, which amount to roughly Rs.3651.

Other Allowances in IBPS Clerk Salary

Other than the basic salary, an IBPS Clerk is entitled to many perks and allowances, which make it the most sought-after job in the banking sector. These perks and allowances ensure not just the financial security of the employee but also provide job satisfaction to the employees, which motivates them to contribute to the bank efficiently.

An IBPS Clerk gets the following perks and allowances during their service:

1.Dearness Allowance (DA): This is given to balance the impact of inflation. It is generally around 19.84% of the basic pay.

2.House Rent Allowance (HRA): HRA is given to cover all the housing expenses of the employee and is different for different cities

• Metro cities: It is typically of 8.5%basic pay
• Major cities: It is typically 7.5% of basic pay
• Other locations: It is typically 6.5% of basic pay

(Sometimes, banks offer leased accommodation in place of giving HRA)

3.Special Allowance: It was introduced with the recent revision and is around 7.5% of the basic pay.

4.Travel Allowance (TA): This allowance is provided to cover the travel costs and is either a fixed amount or reimbursed by the bank

5.Medical Allowance: This allowance is paid once a year to cover all the medical expenses.

IBPS Clerk 2025 Salary Slip Details

The salary slip mentions IBPS PO Salary Structure 2025, which includes multiple components, under both earnings and deductions like the basic salary, Dearness Allowance, House Rent Allowance, Special Allowance, PF, NPS, income tax, etc. Given below is a picture of the IBPS Clerk Salary Slip mentioning all the allowances and deductions in the salary.

IBPS Clerk Job Profile - Overview

The IBPS Clerk is often referred to as "Single Window Operator” as they handle a wide range of responsibilities within a bank. They are the first representatives of the bank to come into contact with the customers, which means that their role is crucial to the smooth functioning of the bank. The following are the key responsibilities of an IBPS Clerk:

• Customer Service: The IBPS Clerk is responsible for assisting the customers with their day-to-day banking needs, resolving their problems, and providing information.
• Document Verification: They are responsible for verifying the documents submitted by the customers to open a new account or apply for a loan.
• Account Management: The account management responsibilities of an IBPS Clerk involve opening new accounts, issuing new cheque books, updating passbooks, and providing bank statements to customers
• Back-Office Operations: Other than handling customers, back-office operations constitute a major chunk of their responsibilities. These include maintaining bank records, ledgers, balance sheets, and other important documents.
• Issuing Instruments: They issue demand drafts (DDs), cash receipts, and other banking instruments.
• Treasury Work: Sometimes, Clerks are also involved in treasury work, like handling the bank's cash and important keys.

IBPS Clerk Salary for Training Phase 2025

The newly recruited IBPS Clerks have to undergo a 6-month training period. This training period is extended if needed, based on the employee’s performance or the requirements of the administration. The basic IBPS Clerk Salary during this training period remains the same, which is Rs. 24,050 per month.

IBPS Clerk Promotion Process 

Throughout their service, an IBPS Clerk gets numerous career advancement opportunities. An IBPS Clerk is required to serve a minimum period of 3 years before getting promoted. The promotions are either based on the experience and seniority the employee has accrued, or merit

1.Normal/Seniority-based Process: An internal exam is conducted, and based on their performance in the exam, along with the employee’s experience, the employee is promoted

2.Merit-based/Fast-track Process: This path accelerates the career growth of an IBPS Clerk. The employees are required to have professional diplomas like JAIIB (Junior Associate of the Indian Institute of Bankers) and CAIIB (Certified Associate of the Indian Institute of Bankers) from the Indian Institute of Banking and Finance for this.

The typical promotion hierarchy for a bank clerk is as follows:

• Clerk
• Officer / Assistant Manager
• Manager
• Senior Manager
• Chief Manager
• Assistant General Manager
• Deputy General Manager
• General Manager

IBPS Clerk year-wise salary increment

The IBPS Clerk Salary and Pay Scale is determined by a series of Bipartite Settlements, which ensures a steady increase in the basic pay of the employee over a long period of service. The pay scale of an IBPS Clerk is ₹24050 – 1340/3 – 28070 – 1650/3 – 33020 – 2000/4 – 41020 – 2340/7 – 57400 – 4400/1 – 61800 – 2680/1 – 64480

The table given below shows the increments in the IBPS Clerk Salary over the years:

IBPS Clerk’s Salary Deduction In 2025

The gross salary goes through some deductions, these are:

1.New Pension Scheme (NPS): It is an employee's contribution to the New Pension Scheme.

2.Professional Tax: It is a state-specific income tax

3.Income Tax (TDS): It is the tax deducted at source based on applicable income tax slabs.

4.Union Fee: If applicable.