The Institute of Banking Personnel Selection (IBPS) conducts the IBPS Clerk Exam to recruit clerks in various public sector banks. One of the major attractions of this job is the salary and benefits that come with it. The IBPS Clerk Salary 2025 follows the 7th Pay Commission structure. However, after the 8th Pay Commission, the salary is expected to increase further.
In this article, we will discuss the IBPS Clerk Salary 2025, including in-hand salary, salary structure, perks, job profile, and career growth. We will also look at the expected salary hike after the 8th Pay Commission.
IBPS Clerk Salary 2025: Overview
The salary of an IBPS Clerk includes basic pay, allowances, and deductions. The starting basic pay of an IBPS Clerk in 2025 is ₹26,730 per month. After adding allowances like Dearness Allowance (DA), House Rent Allowance (HRA), and Travel Allowance (TA), the gross salary becomes around ₹42,512 per month.
📌 Key Highlights
- Basic Pay: ₹26,730 per month
- Gross Salary: ₹42,512 per month
- In-Hand Salary: ₹38,000 – ₹42,500 per month
- Allowances: DA, HRA, TA, Medical Allowance
- Probation Period: 6 months
- Job Type: Government (Public Sector Banks)
IBPS Clerk Salary Structure 2025
The salary of an IBPS Clerk is divided into basic pay, allowances, and deductions. Below is the detailed salary structure:
IBPS Clerk Salary 2025: Breakdown
| Salary Component | Amount (₹) |
|---|---|
| Basic Pay | 26,730 |
| Dearness Allowance (DA) | 5,209 |
| House Rent Allowance (HRA) | 2,039 |
| Traveling Allowance (TA) | 757 |
| Special Allowance | 4,118 |
| Gross Salary | 42,512 |
| Deductions (PF, NPS, etc.) | 2,571 |
| In-Hand Salary | ₹38,000 – ₹42,500 |
🔹 Note: HRA varies depending on the city category (X, Y, Z).
IBPS Clerk Salary After 8th Pay Commission
The 8th Pay Commission is expected to increase the salary of IBPS Clerks. The hike will be applicable to basic pay and allowances.
📌 Expected Changes After 8th Pay Commission
- The basic pay is expected to increase from ₹26,730 to ₹35,000.
- Dearness Allowance (DA) will rise due to inflation.
- HRA and TA will be revised, increasing the overall salary.
- In-hand salary may go up to ₹50,000 per month.
Expected IBPS Clerk Salary After 8th Pay Commission
| Salary Component | Current Amount (₹) | Expected Amount After 8th CPC (₹) |
|---|---|---|
| Basic Pay | 26,730 | 35,000 |
| Dearness Allowance (DA) | 5,209 | 7,000 |
| House Rent Allowance (HRA) | 2,039 | 3,500 |
| Travel Allowance (TA) | 757 | 1,500 |
| Special Allowance | 4,118 | 6,000 |
| Gross Salary | 42,512 | 53,000 – 55,000 |
| In-Hand Salary | ₹38,000 – ₹42,500 | ₹50,000 – ₹52,000 |
🔹 Conclusion: After the 8th Pay Commission, IBPS Clerk salary may increase by 20-25%, benefiting employees with better financial security.
IBPS Clerk Salary Increment and Promotion
The IBPS Clerk salary structure follows a fixed increment policy. Every few years, there is an increase in basic pay as per the following pattern:
Yearly Increment in IBPS Clerk Salary
| Years of Service | Basic Pay (₹) | Increment (₹) |
|---|---|---|
| Initial Basic Pay | 26,730 | ₹655 yearly for 3 years |
| After 3 Years | 30,900 | ₹815 yearly for next 3 years |
| After 6 Years | 34,960 | ₹980 yearly for next 4 years |
| After 10 Years | 42,600 | ₹1,145 yearly for next 7 years |
| After 17 Years | 47,920 | Maximum Pay Scale |
📌 Promotion Process
IBPS Clerks can get promoted through:
1️⃣ Normal Process (Based on Experience and Internal Exams)
2️⃣ Merit-Based Process (JAIIB & CAIIB Certification)
Promotion Chart
| Current Position | Promotion To |
|---|---|
| IBPS Clerk | Senior Clerk |
| Senior Clerk | Trainee Officer (TO) |
| Trainee Officer | Probationary Officer (PO) |
| PO | Assistant Manager |
| Assistant Manager | Branch Manager |
🔹 Promotion Eligibility: Minimum 2 years of service is required for promotion.
IBPS Clerk Job Profile
An IBPS Clerk is responsible for handling customer services, cash transactions, and administrative work in a bank.
📌 Roles & Responsibilities of an IBPS Clerk: ✔ Customer Service – Handling queries and complaints.
✔ Cash Handling – Deposits, withdrawals, and transactions.
✔ Document Verification – Checking KYC details.
✔ Account Opening – Assisting customers in opening accounts.
✔ Issuing Cheques & DDs – Processing demand drafts and cheques.
✔ Maintaining Records – Keeping financial records and bank ledgers.
📌 Work Environment
- Office-based job in public sector banks.
- Stable working hours (9 AM – 5 PM).
- Minimal fieldwork, mainly desk-based banking operations.
FAQs: IBPS Clerk Salary 2025
The in-hand salary of an IBPS Clerk in 2025 is ₹38,000 – ₹42,500 per month.
After the 8th Pay Commission, the salary may increase to ₹50,000 – ₹52,000 per month.
IBPS Clerks receive HRA, DA, TA, Medical Allowance, and Special Allowance.
IBPS Clerks get a yearly increment in basic pay along with periodic promotions.
Yes, IBPS Clerk is a permanent public sector bank job.
Conclusion
The IBPS Clerk Salary 2025 provides job security, stable income, and career growth. With the 8th Pay Commission, salaries are expected to increase significantly. If you are preparing for bank exams, IBPS Clerk is a great opportunity for a secure future in banking.
Start your IBPS Clerk preparation today and secure your banking career!