IBPS Clerk Salary 2025 – In-Hand Salary, Pay Scale, Allowances & Career Growth
The IBPS Clerk Salary 2025 is one of the biggest attractions for candidates preparing for banking exams. The salary structure is based on the 11th Bipartite Settlement, which increased the basic pay, allowances, and yearly increments for bank clerks. Candidates searching for details such as ibps clerk salary in hand, ibps clerk salary after 5 years, ibps clerk salary per month, and ibps clerk pay scale will find every detail here in a clear, easy-to-understand format.
IBPS Clerk is a public-sector bank job offering job security, fixed salary, yearly increments, medical benefits, and promotions through internal examinations.
IBPS Clerk Salary 2025 – Overview
The salary of an IBPS Bank Clerk is composed of:
- Basic Pay
- Dearness Allowance (DA)
- House Rent Allowance (HRA)
- Special Allowance
- Transport Allowance
- City Compensatory Allowance (CCA) – based on location
- Provident Fund (PF)
- Other allowances
The overall IBPS bank clerk salary is financially stable with consistent increments and allowances.
IBPS Clerk Pay Scale 2025
The pay scale structure for bank clerks in 2025 is:
₹19,900 – ₹47,920
This pay scale represents the starting basic pay and the maximum basic pay after periodic increments.
Breakdown of IBPS Clerk Pay Scale:
- Initial Basic Pay – ₹19,900
- Next increments – ₹1,000 yearly for 3 years
- Then – ₹1,230 yearly for 4 years
- Then – ₹1,480 yearly for 7 years
- Then – ₹1,990 yearly for 1 year
- Maximum Basic Pay – ₹47,920
This increment pattern ensures steady career growth.
IBPS Clerk Salary Per Month 2025 – Detailed Breakdown
Below is the monthly salary calculation for a newly joined IBPS Clerk:
| Salary Component | Amount (Approx.) |
|---|---|
| Basic Pay | ₹19,900 |
| Dearness Allowance (DA) | ₹7,200 – ₹8,000 |
| House Rent Allowance (HRA) | ₹1,400 – ₹2,000 |
| Special Allowance | ₹4,100 – ₹4,600 |
| Transport Allowance | ₹600 – ₹800 |
| Other Allowances | ₹500 – ₹1,000 |
Total Gross Salary:
₹33,000 – ₹35,000 per month
IBPS Clerk In-Hand Salary 2025
After statutory deductions such as PF, NPS, professional tax, etc., the take-home salary becomes:
IBPS Clerk In-Hand Salary = ₹28,000 – ₹31,000 per month
This amount varies based on posting city and allowances.
IBPS Clerk Salary Based on Posting City (A, B, C Categories)
A-Class Cities (Metro)
- Higher HRA
- Higher CCA
- In-hand Salary → ₹30,000 – ₹31,000
B-Class Cities
- Moderate HRA
- In-hand Salary → ₹29,000 – ₹30,000
C-Class Cities (Small Towns/Rural)
- Lower rent → Less expenses
- In-hand Salary → ₹28,000 – ₹29,000
IBPS Clerk Salary After 5 Years
With regular increments + DA revision, the salary grows significantly.
After 5 Years (Approx.):
- Basic Pay becomes – ₹25,000+ (after increments)
- DA increases every quarter
- HRA revised based on city
IBPS Clerk In-Hand Salary After 5 Years:
₹34,000 – ₹38,000 per month
Allowances also become higher due to DA percentage changes over time.
IBPS Clerk Salary After 10 Years
Many clerks reach upper pay levels after long service.
Approx In-Hand Salary After 10 Years:
₹42,000 – ₹47,000 per month
With departmental exams, they may already become Officers by this time.
IBPS Clerk Allowances 2025
1. Dearness Allowance (DA)
DA changes every 3 months based on CPI.
2. House Rent Allowance (HRA)
- A Class Cities – 10%
- B Class Cities – 9%
- C Class Cities – 7.5%
3. Special Allowance
Fixed percentage of basic pay.
4. Transport Allowance
Varies by bank.
5. Medical Allowance
Annual medical coverage for employee & family.
6. Travel Allowance
Reimbursement for travel-related activities.
7. Pension (NPS)
Employer + employee contribution.
IBPS Clerk Salary Slip 2025 – Meaning of Components
The IBPS Clerk salary slip includes:
- Employee Name & Bank Name
- Basic Pay
- DA
- HRA
- CCA
- Special Allowance
- Transport Allowance
- PF Deduction
- NPS Deduction
- Professional Tax
- Gross Salary
- Net Salary (In-Hand)
A salary slip is essential for loan approvals, income proofs, and bank documentation.
IBPS Clerk Annual Salary (CTC)
Annual Gross Salary:
₹4.2 lakh – ₹4.6 lakh per year
Annual In-Hand Salary:
₹3.3 lakh – ₹3.7 lakh per year
IBPS Clerk Benefits & Perks
- Travel concessions
- Medical facilities
- Pension scheme (NPS)
- Paid leaves (CL, PL, SL)
- Job security
- Increment every year
- Stability & work-life balance
Growth Opportunities for IBPS Clerk
Clerks can appear for internal promotional exams.
Promotion Hierarchy:
- Clerk
- Officer (Scale-I)
- Scale-II Manager
- Scale-III Senior Manager
- Scale-IV Chief Manager
- Scale-V AGM
Clearing JAIIB/CAIIB speeds up promotions.
FAQs – IBPS Clerk Salary 2025
Q1: What is the IBPS Clerk salary per month?
₹33,000–35,000 gross salary.
Q2: What is IBPS Clerk In-hand salary?
₹28,000–31,000 per month.
Q3: How much salary after 5 years?
₹34,000–38,000 per month.
Q4: Is IBPS Clerk salary good?
Yes. Stable salary + government-backed PSU benefits.
Q5: Does location affect salary?
Yes. Metro cities get higher HRA.
Conclusion
The IBPS Clerk Salary 2025 offers a stable starting income with regular increments, secure job structure, attractive allowances, and fast promotional opportunities. With an in-hand salary up to ₹31,000 for freshers and ₹38,000+ after 5 years, this job provides long-term financial stability and career growth.
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