IBPS PO Salary Structure 2025 | In-Hand Salary, Allowances

For an aspirant, the salary structure is one of the most important aspects of the government job they are preparing for. With its competitive salary, benefits & perks, allowances, and overall financial stability, IBPS PO Salary 2025 attracts lakhs of aspirants to prepare and appear for the annual IBPS PO recruitment drive. In this guide, we have discussed the IBPS PO Salary Structure 2025 and all the components of the salary in detail, along with the 7th Pay Commission revision. Stay tuned!

IBPS PO 2025 Notification

IBPS PO Salary Structure 2025 – An Overview

The IBPS PO Salary Structure 2025 offers not just financial security but also a wide range of perks that make this role one of the most desirable government jobs among aspirants. The initial basic pay is Rs. 48480, and it goes up to ₹76,000 after the addition of various allowances and deductions. There are regular revisions in the IBPS PO Salary to remain competitive with other government roles, so if you are targeting government jobs, IBPS PO might be the perfect choice for you.

IBPS PO In-hand Salary 2025 – Starting Pay, Deductions & Net Salary

According to the IBPS PO Salary Structure 2025, the in-hand salary is approximately ₹76,000 to ₹77,000 after all the deductions and allowances. All the components of the IBPS PO Salary Structure 2025 are given below:

Gross Salary Components (Before Deductions):

Basic Pay: The basic pay of an IBPS PO is typically around ₹48,480. This basic pay also increases with annual increments over time.

1. Dearness Allowance (DA): To offset the impact of inflation.
2. House Rent Allowance (HRA): Covers all the housing expenses of the employee and changes depending on the city the employee is posted in.
3. City Compensatory Allowance (CCA): This allowance is provided to the employee to compensate for the higher cost of living in certain cities.
4. Learning Allowance: It is a professional learning and development allowance.
5. Special Allowance: Introduced along with new salary revision.
6. Other Allowances/Perks include Medical Aid/Reimbursement, Travelling Allowance, Newspaper Reimbursement, etc.

Deductions:

The gross salary goes through some deductions, these are:

1. Provident Fund (PF):  It is a compulsory contribution for retirement savings.

2. New Pension Scheme (NPS): It is an employee's contribution to the New Pension Scheme.
3. Professional Tax: It is a state-specific income tax
4. Income Tax (TDS): It is the tax deducted at source based on applicable income tax slabs.
5. Union Fee: If applicable.

IBPS PO Salary Slip 2025 – Sample Breakdown of Earnings and Deductions

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.

The complete breakdown of the IBPS PO Salary 2025 is given below:

IBPS PO Salary – Perks and Allowances

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

An IBPS PO 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 19-24% 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 9% of basic pay
• Major cities: It is typically 8% of basic pay
• Other locations: It is typically 7% 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 7.75% of the basic pay.

4. City Compensatory Allowance (CCA): This allowance is provided to the employee to compensate for the higher cost of living in certain cities. It varies based on the city type and can be 0%, 3%, or 4% of the basic pay.

5.Learning Allowance: It is a professional learning and development allowance.

6.Other Allowances/Perks:

• Medical Aid/Reimbursement: Covers the employee’s medical expenses.
• Travelling Allowance: It is a reimbursement for petrol expenses; it can be a fixed amount.
• Newspaper Reimbursement: fixed allowance for newspaper subscription
• Furniture Allowance: Some banks may offer this.
• Entertainment Allowance
• Fuel Allowance

IBPS PO Syllabus 2025

Revised IBPS PO Salary After 7th Pay Commission

Many aspirants have been confused about the 7th Pay Commission and how it impacts the IBPS PO Salary 2025. It is important to understand that Public Sector Banks (PSB) do NOT come under the governance of the Central Government, and therefore, the IBPS PO salary is not revised by the 7th Pay Commission.

• While IBPS PO Salary 2025 may not be directly impacted by the 7th Pay Commission, it is revised through Bipartite Settlements (also known as Wage Settlements). The salary is negotiated between the Indian Banks’ Association (IBA) and various Bank Employee Unions.
• The latest revision in IBPS PO Salary came from the 12th Bipartite Settlement, which is applicable till 31st October, 2027. This revision led to a 17% increase in the Basic Salary and adjustments to other allowances as well. This settlement is the reason for the revised basic pay of ₹48,480 and the overall increase in the IBPS PO Salary.

IBPS PO Gross Salary vs Net Salary – What’s the Difference?

Gross Salary, by definition, is the amount of money you earn from the employer before any deductions are made from the salary and represents the full salary package of the employee. The Gross IBPS PO Salary is in the range of ₹90,000 to ₹90,732.77 per month

Net Salary, on the other hand, is the amount an employee receives after all the deductions are made. The Net IBPS PO Salary generally ranges from ₹76,000 to ₹77,000 per month.

Here is a quick comparison between the Gross Salary and the Net Salary of an IBPS PO employee:

IBPS PO Salary in Metro vs Rural Posting

The location or the city in which the employee is posted determines the final in-hand salary because certain allowances are different for different cities, to compensate for the cost of living.

Key Differentiating Factors:

1.House Rent Allowance (HRA)

HRA is a certain percentage of the employee’s basic pay and it varies based on the category in which the city falls.

• Metro Cities (Tier 1 like Mumbai, Delhi, Kolkata, Chennai, Bengaluru, Hyderabad): Highest HRA, typically around 9% of Basic Pay.
• Major Cities (Tier 2 cities, population > 5 lakh): Mid-range HRA, typically around 8% of Basic Pay.

(It should be noted that some banks provide leased accommodation in expensive cities in place of HRA)

2. City Compensatory Allowance (CCA)

This allowance is given to compensate for the higher cost of living in certain cities and to cover the inconveniences of living in urban areas

• Metro Cities/High-Cost Cities: Employees receive a higher CCA (e.g., ₹2,300 or 4% of basic pay).
• Other Cities/Rural Areas: CCA will be lower (e.g., ₹1,200 or 3% of basic pay), or sometimes 0% in very small towns or rural branches.

Here is a quick comparison between Metro City Posting and Rural or Semi-Urban Posting:

IBPS PO Apply Online 2025

IBPS PO Career Growth and Promotions

An IBPS PO role offers various career advancement opportunities to the employee. The growth is gradual, well-structured, and takes place through departmental exams. With good performance, experience, and expertise, an IBPS PO can grab promotions and rise to higher levels. Given below are some of the routes an IBPS PO employee can take to excel in their career:

1. Middle Manager – Middle Management Grade Scale 2 
2. Senior Manager – Middle Management Grade Scale 3 
3. Chief Manager – Senior Management Grade Scale 4 
4. Assistant General Manager – Senior Management Grade Scale 5 
5. Deputy General Manager – Top Management Grade Scale 6 
6. General Manager – Top Management Grade Scale 7 
7. Executive Director 
8. Chairman and Managing Director

IBPS PO Salary During Probation Period

A common query many aspirants and new recruits have in their minds is whether their salary in the probation period is going to be different from the salary after the probation. Here is how it works:

• The probation period of an IBPS PO lasts for 2 years, during which the employee is trained and taught their responsibilities.
• An IBPS PO enjoys the advantage of receiving the full basic pay and all allowances even during the probation period (e.g., ₹76,000 to ₹77,000 per month, depending on location and other factors). This means that there is no reduced salary or lower pay during this phase, and they are treated as a regular employee.

Our article is complete with all the information about IBPS Po. You can get all the rest of the information by visiting SBI's official website sbi.co.in.