The IBPS Clerk exam is one of the most sought-after competitive banking exams in India. Thousands of candidates appear every year to secure a stable and rewarding job in the banking domain. One of the most appealing aspects of this position is the IBPS Clerk salary structure, which comes with regular increments, additional allowances, and growth potential.
In 2025, the IBPS Clerk salary has been revised based on the latest wage settlements, ensuring that selected candidates are offered a competitive package right from the beginning. Along with the salary, IBPS Clerk employees enjoy benefits such as housing rent allowances, transport allowances, and medical coverage. In this blog, you’ll learn everything about the basic pay, allowances, in-hand salary, job roles, and promotion pathways of IBPS Clerk salary 2025, in-hand pay, job responsibilities, career growth, and promotion prospects.
IBPS Clerk Basic Pay Structure 2025
The IBPS Clerk salary structure in 2025 follows a fixed pay matrix under the 12th Bipartite Settlement. The salary increases at regular intervals through annual increments.
Here is the updated pay scale breakdown:
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This table reflects the basic pay only. In-hand salary also includes DA, HRA, special allowance, transport allowance, and other perks
Allowances and Perks for IBPS Clerk in 2025
Apart from the initial salary, IBPS Clerks receive various allowances that contribute a substantial amount to their monthly salary. These allowances are periodically changed and depend upon criteria such as city classification, inflation factor, and central bank orders.
Key Allowances:
- Dearness Allowance (DA): Approximately 4% of the basic pay; quarterly review
- House Rent Allowance (HRA): 8.5% of basic pay in metropolitan cities, 7.5% in cities with over 5 lakhs population, 6.5% in other areas
- Transport Allowance (TA): A monthly fixed amount of approximately ₹757
- Special Allowance: Around ₹4,118; open to revisions
- Medical Allowance: A fixed annual amount of ₹2,000
All these allowances differ marginally based on the posting place and banking policies but, together, they bring considerable worth to the monthly pay.
In-Hand Salary of IBPS Clerk 2025
After deducting allowances and common deductions like provident fund, pension fund, and professional tax, the net in-hand salary of an IBPS Clerk in 2025 is between ₹38,000 to ₹39,500 per month.
Components of In-Hand Salary:
- Basic Pay: ₹24,050
- Dearness Allowance
- HRA
- Special Allowance
- Transport Allowance
- Medical Benefits (annual reimbursement)
- Deductions: PF, NPS, income tax, professional tax, union fees
The gross monthly salary (before deductions) generally stands around ₹40,000 to ₹41,000, depending on the city and bank of posting.
IBPS Clerk Salary Slip 2025
The IBPS Clerk salary slip is issued monthly to every employee by the respective bank. It provides a detailed breakdown of the employee’s earnings and deductions, including the basic pay, allowances, bonuses, deductions, and other financial components.
This salary slip serves as an essential document for various official and personal needs like applying for loans, claiming income tax benefits, or verifying employment status. Employees usually receive the payslip either digitally via email or through the internal banking system.
IBPS Clerk Job Profile and Responsibilities
The IBPS Clerk job profile is primarily focused on front-end banking services and administrative tasks. Clerks serve as the face of the bank and are responsible for ensuring smooth day-to-day operations in branches.
Daily Roles Include:
- Handling cash transactions like deposits and withdrawals
- Assisting customers with account opening and documentation
- Handling cheque clearance and demand draft issuing
- Making data entry, updating ledgers, and maintaining accounts
- Assisting senior personnel in loan processing, issuing of passbooks, and KYC document verification
- Customer service at counter and over phone/email
Detail orientation, communication, and handling multiple transactions accurately and speedily are needed in the job.
Career Growth and Promotion Opportunities
IBPS Clerks enjoy well-defined growth trajectories within the public sector banking culture. There are two principal promotion paths offered – seniority-based and merit-based.
Channels of Promotion:
Seniority-Based Promotions:
- Clerks are promoted to Officer Grade (PO) upon having served for a minimum period of two years. Promotions occur in the following order:
- Clerk
- Officer Scale I
- Assistant Manager
- Manager
- Senior Manager
- Chief Manager
- Assistant General Manager
- Deputy General Manager
- General Manager
Merit-Based Promotions:
The candidates clearing the JAIIB (Junior Associate of the Indian Institute of Bankers) and CAIIB (Certified Associate of Indian Institute of Bankers) exams are eligible for quick promotions. This route enables worthy candidates to rise through the ranks faster on the basis of qualification and performance.
Promotions usually come with salary increases, increased responsibilities, and improved job benefits.
IBPS Clerk Salary Growth Over the Years
As time passes, the IBPS Clerk's salary rises enormously thanks to annual increments and promotions.
Example of Year-wise Growth:
- 1st year: ₹24,050 (basic) + allowances
- 3rd year: ₹28,070 (after normal increments)
- 6th year: ₹33,020
- 10th year: ₹41,020
- 17th year: ₹57,400
- Last stage: ₹64,480 (basic) + DA, HRA, and other allowances
This allows for a gradual but consistent rise in salary throughout the tenure.
Benefits of Being an IBPS Clerk
Opting for the IBPS Clerk position has more to it than a good salary. It has long-term professional advantages and government benefits that make it an enriching career for most.
Major Advantages:
- Secure government employment with regular salary and benefits
- Pre-defined working hours with good work-life balance
- Learning about diverse banking operations and career development skills
- Internal promotion system enables long-term development
- Pension and gratuity as retirement benefits
- Availability of housing, education, and festival benefits in certain banks
All these elements make IBPS Clerk a very promising choice for new graduates and new professionals looking to have a government job in the financial industry.
Final Words
The IBPS Clerk Salary 2025 package offers attractive and transparent compensation starting with ₹24,050 basic pay, complemented by allowances like DA, HRA, TA, special, and medical allowances leading to a gross salary of ₹40,000+ per month. With structured promotions and regular increments, your career trajectory can take you to senior banking positions over time. Clerical roles also deliver important on-ground banking exposure and customer interaction skills making them ideal for aspirants who seek stable and upwardly mobile banking careers.
If you're preparing for IBPS Clerk or want to grow within the banking sector, this role delivers both immediate earnings and long-term progression.
