IBPS Clerk Salary 2025 – The Institute of Banking Personnel Selection (IBPS) Clerk position is a sought-after entry-level role in India’s public sector banks, offering a blend of stability, growth, and attractive remuneration. If you’re considering a career as an IBPS Clerk, understanding the salary structure, increments, and long-term benefits is crucial. In this article, we’ll break down the IBPS Clerk salary 2025, including the salary slip, in-hand salary, increments after 5 and 10 years, and the impact of the 12th Bipartite Settlement. We’ll also address common questions in our FAQ section to help you make an informed decision.
IBPS Clerk Salary Per Month: What to Expect
The IBPS Clerk salary per month in 2025 is a big draw for those interested in banking jobs. It includes a basic salary, extra allowances, and some deductions, which together make up the net in-hand salary. As per the latest updates following the 12th Bipartite Settlement, the starting basic pay for an IBPS Clerk is ₹24,050.
When combined with allowances like Dearness Allowance (DA), House Rent Allowance (HRA), Special Allowance, and Travel Allowance, the gross salary is approximately ₹41,170. After deductions such as National Pension Scheme (NPS), Professional Tax, and union fees, the IBPS Clerk salary in hand ranges from ₹38,180 to ₹40,000 per month, depending on the posting location (e.g., metro, Tier-II, or Tier-III cities).
- Dearness Allowance (DA): 10.25% of basic pay, revised quarterly based on the Consumer Price Index.
- House Rent Allowance (HRA): 6.5%–8.5% of basic pay, depending on the city (higher in metros like Mumbai).
- Special Allowance: 26.50% of basic pay with applicable DA.
- Travel Allowance: Reimbursement for official travel.
- Medical Allowance: Fixed at ₹2,000 annually.
This competitive salary package, coupled with job security, makes the IBPS Clerk role appealing for graduates.
Understanding the IBPS Clerk Salary Slip
The IBPS Clerk salary slip provides a detailed breakdown of earnings and deductions, serving as a formal record of monthly income. It’s a valuable document for loan applications or financial planning. A typical salary slip includes:
- Earnings: Basic pay (₹24,050), DA, HRA, Special Allowance, and other allowances.
- Deductions: NPS contributions, Professional Tax, union fees, and other minor deductions (e.g., Death Relief Fund).
- Net Pay: The IBPS Clerk salary in hand, approximately ₹38,180–₹40,000 after deductions.
For example, a salary slip for a clerk posted in a metro city might show a gross salary of ₹41,170, with deductions of around ₹2,990, resulting in a net in-hand salary of ₹38,180. Checking the salary slip helps clerks understand their take-home pay and plan their finances effectively.
IBPS Clerk Salary After 12th Bipartite Settlement
The 12th Bipartite Settlement, effective from November 1, 2022, and spanning until October 2027, brought a significant 17% hike in salaries for public sector bank employees, including IBPS Clerks. This settlement, covering 25 banks (12 public sector, 10 private, and 3 foreign), benefits approximately 400,000 clerical and subordinate staff.
Key impacts on the IBPS Clerk salary after 12th Bipartite Settlement include:
- Revised Basic Pay: Increased from ₹19,900 (pre-settlement) to ₹24,050.
- Enhanced Allowances: DA, HRA, and Special Allowance rates were adjusted, boosting the gross salary.
- Uniform In-Hand Salary: The net salary remains consistent across Tier-I, Tier-II, and Tier-III cities, with minor variations due to HRA.
This revision makes the IBPS Clerk salary structure more attractive, with a starting annual CTC of approximately ₹6,50,000, including allowances and benefits like Employees’ Provident Fund (EPF).
IBPS Clerk Salary After 5 Years
The IBPS Clerk salary after 5 years sees a notable increase due to annual increments outlined in the pay scale. The IBPS Clerk pay scale for 2025 is ₹24,050–1,340/3–28,070–1,650/3–33,020–2,000/4–41,020–2,340/7–57,400–4,400/1–61,800–2,680/1–64,480 (20 years).
After 5 years, a clerk’s basic pay rises to approximately ₹28,070 (after three increments of ₹1,340 and two increments of ₹1,650). With updated allowances, the gross salary could reach ₹48,000–₹50,000, and the in-hand salary may range from ₹44,000 to ₹46,000 per month, depending on the city.
This growth reflects the periodic increments and revised allowance rates, making the role financially rewarding over time.
IBPS Clerk Salary After 10 Years
The IBPS Clerk salary after 10 years becomes even more substantial due to continued increments and potential promotions. By the 10th year, the basic pay reaches approximately ₹41,020 (after completing the increments up to the 10-year mark in the pay scale).
IBPS Clerk Salary: Allowances
With allowances like DA (10.25%), HRA, and Special Allowance, the gross salary could be around ₹65,000–₹70,000, and the in-hand salary may range from ₹58,000 to ₹62,000 per month.
Additionally, clerks with 10 years of service may qualify for promotions to roles like Officer/Assistant Manager through internal exams, further boosting their salary. The combination of increments and career growth opportunities ensures a handsome package for long-serving clerks.
IBPS Clerk Work and Working Hours: Why Choose an IBPS Clerk Role?
Beyond the IBPS Clerk salary 2025, the role offers a stable career with excellent growth prospects. Clerks handle customer-facing tasks like
- account openings,
- cash transactions, and
- document verification,
gaining valuable banking experience.
After a 6-month probation period, clerks become regular employees and can pursue promotions to higher roles like Probationary Officer or Manager after 2–3 years of service, subject to internal exams.
The job also provides perks like medical insurance, concessional loans, and a 5-day work week (pending government approval post-12th Bipartite Settlement). With a supportive work environment and opportunities to learn, the IBPS Clerk role is ideal for those seeking a rewarding banking career.
FAQs: IBPS Clerk Salary 2025
Q: What is the salary of IBPS Clerk per month?
A: The IBPS Clerk salary per month in 2025 includes a gross salary of approximately ₹41,170, with an in-hand salary of ₹38,180–₹40,000 after deductions, depending on the posting city. The starting basic pay is ₹24,050, enhanced by allowances like DA, HRA, and Special Allowance.
Q: Is IBPS Clerk a good job?
A: Yes, IBPS Clerk is a great job for banking aspirants. It offers a competitive salary, job security, and growth opportunities through promotions to roles like Officer or Manager. Additional perks like medical benefits, concessional loans, and a potential 5-day work week make it highly desirable.
Q: Which clerk has the highest salary?
A: Among clerical roles in public sector banks, SBI Clerk typically has the highest salary, with an in-hand salary of approximately ₹46,000 per month in metro cities, compared to IBPS Clerk’s ₹38,180–₹40,000. However, IBPS Clerk salaries are competitive and vary slightly by bank and location.
Q: What is the salary of IBPS monthly?
A: The IBPS Clerk salary monthly in 2025 is around ₹38,180–₹40,000 in-hand, with a gross salary of ₹41,170, including basic pay (₹24,050) and allowances like DA, HRA, and Special Allowance. The exact amount depends on the city of posting and deductions.
Final Thoughts
The IBPS Clerk salary 2025 is a compelling reason to pursue this role, offering a starting in-hand salary of ₹38,180–₹40,000, with significant growth after 5 years (₹44,000–₹46,000) and 10 years (₹58,000–₹62,000). The 12th Bipartite Settlement has further enhanced the salary structure, making it more-Locate lucrative with a 17% hike and improved allowances.
Paired with job stability, career growth, and attractive perks, the IBPS Clerk position is an excellent choice for those aiming to build a rewarding career in banking.
For the latest updates, always refer to the official IBPS website or notifications. If you’re preparing for the IBPS Clerk exam, stay motivated—this role offers a bright financial and professional future!
Disclaimer: Salary figures are approximate and subject to change based on bank policies, posting locations, and future revisions. Verify details through official sources like the IBPS or participating banks’ websites.
