12th Bipartite Settlement Salary Calculator
Select your cadre, grade, years of service, and posting city — get a full component-wise salary breakdown based on 12th Bipartite Settlement rates. Indicative figures; verify with your official pay slip and IBA circulars.
1. Select Your Cadre
2. Select Your Grade / Scale
3. Years in Current Grade
54. Posting City / HRA Tier
5. Pension Scheme
Affects employer contribution display only. Employee deduction (10% of Basic+SA) is the same under both.
Estimated Take-Home (Monthly)
₹33,540
Gross ₹36,408 — Deductions ₹2,868
Basic Pay
₹22,900
DA (27.83%)
₹6,373
Special All.
₹3,779
Gross Earnings Breakdown
Basic Pay
Starting ₹17,900 + 5 increments
₹22,900
Dearness Allowance (27.83% of Basic)
Q2 2026 rate — revised quarterly
₹6,373
Special Allowance (16.50% of Basic)
Included in PF base
₹3,779
HRA (9.00% of Basic — Tier A)
Mumbai, Delhi, Chennai, Kolkata, Bengaluru, Hyderabad
₹2,061
CCA (City A)
Fixed amount per settlement
₹870
Transport Allowance
Approximate — varies by bank
₹425
Gross Salary
₹36,408
Deductions
Employee PF / NPS (10% of Basic + Special Allow.)
PF base: ₹26,679
- ₹2,668
Professional Tax (approx.)
Varies by state
- ₹200
Total Deductions
- ₹2,868
Employer Contributions (not in your hand — but it's your money)