What is the in-hand salary of an SBI Clerk in a metro city?

An SBI Clerk (Junior Associate) in a metro city (Mumbai, Delhi, Chennai, Kolkata, Bengaluru, Hyderabad — City A) earns approximately ₹26,000–₹27,000 in-hand per month at starting basic. This includes basic ₹17,900 + Special Allowance ₹2,954 + DA ₹4,982 + HRA ₹1,611 + CCA ₹870, minus PF deduction of approximately ₹2,085.

What allowances does an SBI Clerk receive?

SBI Clerk allowances: Dearness Allowance (DA) at 27.83% of basic (August 2026); House Rent Allowance (HRA) at 9% (metro/Area A), 7.5% (urban/Area B), or 6.5% (other areas); Special Allowance at 16.50% of basic; City Compensatory Allowance (CCA) at ₹870 (Area A), ₹600 (Area B), or nil (other). Medical allowance and other benefits are also payable as per service rules.

What is the SBI Clerk salary after 5 years?

After 5 years of service, an SBI Clerk's basic pay rises to ₹22,900 (starting ₹17,900 + 5 increments × ₹1,000). Total gross salary in a metro city increases to approximately ₹33,000–₹34,000, with in-hand of approximately ₹30,500–₹31,500 after PF. DA also increases as it is revised quarterly based on AICPI.

DA Updated: 27.83%12th Bipartite SettlementUpdated Aug 2026

SBI Clerk Salary 2026

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

The starting basic pay of an SBI Clerk (Junior Associate) in 2026 is ₹17,900 per month under the 12th Bipartite Settlement. Total gross salary including DA (27.83%), HRA, special allowance, and CCA is approximately ₹26,000–₹28,000 depending on city classification. In-hand (after PF deduction) is approximately ₹24,000–₹26,000.

Q: What is the pay scale for SBI Clerk?

SBI Clerk (Junior Associate) pay scale under the 12th Bipartite Settlement: starting basic ₹17,900 with annual increments of ₹1,000. Maximum basic pay after 22 annual increments is ₹39,900 (before any special increments or senior scale). The full scale spans approximately 22 years of service.

Q: What is the maximum salary of an SBI Clerk?

The maximum basic pay for an SBI Clerk under the current pay scale is ₹39,900 (after 22 annual increments). Maximum gross salary in a metro city at this level is approximately ₹56,000–₹58,000, with in-hand of approximately ₹52,000–₹54,000. Promotion to officer scale significantly increases the salary.

In-Hand Salary · Pay Scale · Allowances · Increments · City-wise Breakdown

SBI Clerk (Junior Associate) 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 — including DA at 27.83% (effective August 2026).

Starting Basic

₹17,900

Metro In-Hand

₹26,232

Max Basic

₹39,900

Current DA

27.83%

SBI 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 (employee share 10%)

−₹2,085

Estimated In-Hand Salary

₹26,232

Urban (City B)

Pune, Ahmedabad, Jaipur, Lucknow, Bhopal, Patna, and other state capitals

Basic Pay

₹17,900

Special Allowance

₹2,954

DA (27.83%)

₹4,982

HRA

₹1,343

CCA

₹600

Gross Salary

₹27,779

PF Deduction (employee share 10%)

−₹2,085

Estimated In-Hand Salary

₹25,694

Other Areas

All other cities and towns not classified under A or B

Basic Pay

₹17,900

Special Allowance

₹2,954

DA (27.83%)

₹4,982

HRA

₹1,164

CCA

Nil

Gross Salary

₹27,000

PF Deduction (employee share 10%)

−₹2,085

Estimated In-Hand Salary

₹24,915

* Estimates based on starting basic ₹17,900 and DA at 27.83% (August 2026). Excludes professional tax (varies by state), income tax (depends on total income), medical allowance, transport allowance. PF = 10% of (basic + special allowance). Use the interactive salary calculator for personalised figures.

Pay Scale Progression — SBI Clerk (Junior Associate)

Experience	Basic Pay	DA (27.83%)	Approx. Metro Gross	Approx. In-Hand
Starting (Year 1)	₹17,900	₹4,982	₹28,317	≈₹26,232
After 2 years	₹19,900	₹5,538	₹31,383	≈₹29,065
After 5 years	₹22,900	₹6,373	₹35,983	≈₹33,315
After 10 years	₹27,900	₹7,765	₹43,650	≈₹40,400
After 15 years	₹32,900	₹9,156	₹51,316	≈₹47,483
After 20 years	₹37,900	₹10,548	₹58,983	≈₹54,568
After 22 years (Max)	₹39,900	₹11,104	₹62,049	≈₹57,401

Gross and in-hand are indicative for a metro city. DA at 27.83% (Aug 2026). HRA at 9%. CCA ₹870. PF at 10% of (basic + special allowance).

Salary Components — SBI Clerk Explained

💰

Basic Pay

Starting basic is ₹17,900 under the 12th Bipartite Settlement. Annual increment of ₹1,000 is added each year. Basic pay is the foundation — all percentage-based allowances (DA, HRA, SA) are calculated on it.

📊

Dearness Allowance (DA)

DA is 27.83% of basic pay as of August 2026. Revised quarterly based on AICPI (2016=100). DA neutralises the cost-of-living increase since the last bipartite settlement. Fully taxable.

⭐

Special Allowance

16.50% of basic pay for clerical staff under the 12th bipartite. Introduced in the 10th bipartite and enhanced in subsequent settlements. Included in the PF computation base — so PF is calculated on basic + special allowance.

🏠

House Rent Allowance (HRA)

9% for Area A (metros), 7.5% for Area B (urban), 6.5% for other areas. HRA is not payable if the employee is provided bank accommodation. HRA is partially tax-exempt under Section 10(13A) of the Income Tax Act.

🌆

City Compensatory Allowance (CCA)

Fixed amount: ₹870/month for Area A cities, ₹600/month for Area B cities. Not applicable in other areas. CCA compensates for the higher cost of living in large cities. Fully taxable.

🔻

PF (Provident Fund) Deduction

10% of (basic + special allowance) is deducted as the employee's PF contribution. Bank contributes an equal amount. PF builds your retirement corpus and earns interest (currently 8.25% per year). Employee contribution is deductible under Section 80C.

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Frequently Asked Questions — SBI Clerk Salary

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

Starting basic is ₹17,900. Gross salary in a metro city is approximately ₹28,300. In-hand after PF deduction is approximately ₹26,200.

What is the in-hand salary of an SBI Clerk in a metro?▼

Approximately ₹26,200 per month in a metro city (Mumbai, Delhi, etc.) at starting basic. This includes basic + DA (27.83%) + HRA (9%) + special allowance (16.5%) + CCA (₹870), minus PF.

What is the pay scale for SBI Clerk?▼

Starting basic ₹17,900 with ₹1,000 annual increment for 22 years. Maximum basic pay is ₹39,900. The pay scale is set by the IBA 12th Bipartite Settlement.

What allowances does an SBI Clerk get?▼

DA (27.83%), HRA (9%/7.5%/6.5% depending on city), Special Allowance (16.50%), CCA (₹870/₹600/₹0 by city), plus medical allowance and transport allowance as per service rules.

What is SBI Clerk salary after 5 years?▼

Basic rises to ₹22,900 after 5 increments. Gross in a metro city is approximately ₹33,500–₹34,000. In-hand approximately ₹31,000.

What is the maximum salary of an SBI Clerk?▼

Maximum basic is ₹39,900 (22 increments). Gross in metro approximately ₹57,000. Promotion to officer significantly increases the package.

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