What is the in-hand salary of an IBPS Clerk?

In-hand salary of an IBPS Clerk ranges from ₹24,900 (other areas) to ₹26,200 (metro city) at starting basic pay, after PF deduction of approximately ₹2,085. The exact amount depends on city classification, DA rate, and whether the employee contributes to NPS or OPS.

What is the pay scale for IBPS Clerk?

IBPS Clerk pay scale under the 12th Bipartite Settlement: ₹17,900 starting basic, with ₹1,000 annual increment for 22 increments. Maximum basic pay is ₹39,900 after 22 years of service. This pay scale applies to all public sector banks where IBPS clerks are posted.

Is IBPS Clerk salary the same as SBI Clerk salary?

Yes, the pay scale is the same. Both IBPS Clerk and SBI Clerk (Junior Associate) are covered under the IBA 12th Bipartite Settlement, with the same starting basic of ₹17,900 and identical percentage-based allowances (DA, HRA, special allowance). SBI clerks may have minor differences in certain service-related benefits due to SBI's own service rules.

What is the IBPS Clerk salary after promotion?

Upon promotion to officer (Scale I), the starting basic increases to ₹36,000 — approximately double the clerical starting basic. Gross salary in a metro city at Scale I starting is approximately ₹53,000–₹55,000, with in-hand of approximately ₹48,000–₹50,000. IBPS clerks can appear for internal promotion exams after 3 years of service.

Which banks hire IBPS Clerks?

IBPS CRP Clerk recruits for participating public sector banks including: Bank of Baroda, Bank of India, Bank of Maharashtra, Canara Bank, Central Bank of India, Indian Bank, Indian Overseas Bank, Punjab National Bank, Punjab & Sind Bank, UCO Bank, and Union Bank of India. SBI has its own separate recruitment for Junior Associates.

DA Updated: 27.83%12th Bipartite SettlementUpdated Aug 2026

IBPS Clerk Salary 2026

Q: What is the starting salary of an IBPS Clerk in 2026?

The starting basic pay of an IBPS Clerk (Office Assistant) is ₹17,900 per month under the 12th Bipartite Settlement. Gross salary in a metro city is approximately ₹28,300 (including DA at 27.83%, HRA, special allowance, and CCA). In-hand salary after PF deduction is approximately ₹26,200.

In-Hand Salary · Pay Scale · DA & Allowances · City-wise Breakdown · After Promotion

IBPS Clerk (Office Assistant) starting basic is ₹17,900 under the 12th Bipartite Settlement. In-hand salary in a metro city is approximately ₹26,200/month at starting pay — with DA at 27.83% effective August 2026. The pay scale is identical to SBI Clerk (Junior Associate).

Starting Basic

₹17,900

Metro In-Hand

₹26,232

Max Basic

₹39,900

Current DA

27.83%

IBPS Clerk In-Hand Salary by City (August 2026)

Metro (City A)

Mumbai, Delhi, Chennai, Kolkata, Bengaluru, Hyderabad

Basic Pay

₹17,900

Special Allowance

₹2,954

DA (27.83%)

₹4,982

HRA

₹1,611

CCA

₹870

Gross Salary

₹28,317

PF Deduction (10%)

−₹2,085

Estimated In-Hand Salary

₹26,232

Urban (City B)

State capitals and other major cities

Basic Pay

₹17,900

Special Allowance

₹2,954

DA (27.83%)

₹4,982

HRA

₹1,343

CCA

₹600

Gross Salary

₹27,779

PF Deduction (10%)

−₹2,085

Estimated In-Hand Salary

₹25,694

Other Areas

All other cities and towns

Basic Pay

₹17,900

Special Allowance

₹2,954

DA (27.83%)

₹4,982

HRA

₹1,164

CCA

Nil

Gross Salary

₹27,000

PF Deduction (10%)

−₹2,085

Estimated In-Hand Salary

₹24,915

* Estimates at starting basic ₹17,900. DA 27.83% (August 2026). Excludes professional tax, income tax, transport allowance, medical allowance. PF = 10% of (basic + special allowance).

IBPS Clerk Participating Banks — Same Pay Scale in All

All 11 IBPS CRP Clerk participating banks offer the same pay scale and allowances under the IBA 12th Bipartite Settlement. Your salary is determined by your posting city, years of service, and grade — not by the specific bank.

BOB

Bank of Baroda

BOI

Bank of India

BOM

Bank of Maharashtra

Canara Bank

CBI

Central Bank of India

Indian Bank

IOB

Indian Overseas Bank

PNB

Punjab National Bank

PSB

Punjab & Sind Bank

UCO

UCO Bank

UBI

Union Bank of India

SBI

Separate recruitment — same pay scale

IBPS Clerk Salary After Promotion to Officer

Grade	Starting Basic	Metro Gross (approx.)	Metro In-Hand (approx.)
Clerk (starting)	₹17,900	₹28,317	≈₹26,232
Clerk (5 years)	₹22,900	₹34,200	≈₹31,600
Officer Scale I (start)	₹36,000	₹53,100	≈₹48,300
Officer Scale II	₹48,170	₹71,100	≈₹64,800
Officer Scale III	₹63,840	₹94,100	≈₹85,700

Metro gross and in-hand are indicative estimates at starting basic for each grade. DA at 27.83% (Aug 2026). HRA at 9%. Internal promotion eligibility typically after 3 years of clerical service.

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Frequently Asked Questions — IBPS Clerk Salary

What is the starting salary of an IBPS Clerk in 2026?▼

Starting basic ₹17,900. Gross in metro ≈ ₹28,300. In-hand ≈ ₹26,200. DA at 27.83% (August 2026) is included.

What is IBPS Clerk in-hand salary?▼

₹24,900–₹26,200 depending on city (other areas to metro). After PF deduction of ₹2,085.

What is IBPS Clerk pay scale?▼

₹17,900 starting, ₹1,000 annual increment, max ₹39,900 after 22 years. Set by 12th Bipartite Settlement.

Is IBPS Clerk salary same as SBI Clerk?▼

Yes — same starting basic (₹17,900), same pay scale, same percentage allowances. Minor differences may exist in bank-specific service rules.

What is IBPS Clerk salary after promotion to officer?▼

Scale I starting basic is ₹36,000. Metro gross ≈ ₹53,000–₹55,000. In-hand ≈ ₹48,000–₹50,000.

Which banks hire through IBPS Clerk?▼

BOB, BOI, BOM, Canara, CBI, Indian Bank, IOB, PNB, PSB, UCO, Union Bank. SBI recruits separately (Junior Associates).

Related Resources

→

SBI Clerk Salary 2026

Same pay scale — SBI-specific breakdown

→

12th Bipartite Salary Calculator

Grade-wise interactive calculator

→

DA Rates for Bank Employees

Current DA 27.83%, quarterly revision history

→

Complete Bipartite Settlement Guide

Pay scales, allowances, all 12 settlements explained

→

IBPS Clerk 2026 Notification

Vacancies, eligibility, exam dates, pattern

→

13th Bipartite Settlement 2027

Expected salary hike for IBPS clerks from Nov 2027

← SBI Clerk Salary Salary Calculator Bipartite Guide →