The SBI Clerk Salary 2025 comes with an attractive pay scale and a host of additional perks, making it a highly desirable job for aspirants seeking a stable banking career. Individuals appointed as Junior Associates (Customer Support & Sales) can expect a gross monthly salary of approximately ₹46,000. However, this amount may differ depending on the location of posting and applicable allowances.
SBI Clerk Salary 2025
The net in-hand salary of an SBI Clerk in 2025 is approximately ₹42,584 per month after all applicable deductions. Apart from the basic salary, SBI also provides several allowances and benefits such as Dearness Allowance (DA), House Rent Allowance (HRA), transport allowance, comprehensive medical coverage, and various types of paid leaves. Together, these components contribute to both financial well-being and long-term job security, making the SBI Clerk role a highly rewarding opportunity in the banking sector.
SBI Clerk Salary Structure 2025
The SBI Clerk Salary Structure 2025 offers more than just the basic pay of ₹26,730 it’s enhanced by a range of allowances that elevate the total earnings. Key components like Dearness Allowance (DA), House Rent Allowance (HRA), Transport Allowance, and Special Allowance contribute to a gross monthly income of nearly ₹46,000. After standard deductions, the take-home or in-hand salary usually ranges between ₹41,000 to ₹42,000, subject to the location of the posting. Beyond the regular salary, SBI clerks are entitled to various long-term benefits such as medical coverage, National Pension Scheme (NPS) contributions, provident fund, and leave travel concessions, making it a financially and professionally rewarding opportunity.
Also Read, SBI Clerk Mains Result 2025
| SBI Clerk Salary Structure |
| Constituent |
Amount |
| Basic Pay (including 2 annual increments) |
26,730.00 |
| Dearness Allowances (19.83%) |
7,603.05 |
| House Rent Allowances |
2,862.83 |
| Transport Allowance |
850.00 |
| Special Allowance |
7,083.45 |
| Special Pay New |
1200.00 |
| Gross Pay |
46,329.33 |
| Deductions |
3,745.00 |
| Net Pay |
42,584.00 |
SBI Clerk In Hand Salary
In 2025, an SBI Clerk is likely to receive an in-hand salary of approximately ₹42,584 per month after deductions. This figure includes the basic salary along with various allowances such as DA, HRA, and a Special Allowance. Employees posted in metropolitan cities like Mumbai may earn slightly more due to higher location-based allowances. The overall salary framework ensures financial consistency and includes periodic increments, making the SBI Clerk role a reliable choice for candidates seeking a secure and progressive career path in the banking sector.
SBI Clerk Basic Pay
The basic pay for an SBI Clerk in 2025 follows a predefined salary slab: ₹24,050–1340/3–28070–1650/3–33020–2000/4–41020–2340/7–57400–4400/1–61800–2680/1–64480.
The starting basic pay is ₹26,730, which includes the initial pay of ₹24,050 plus two advance increments awarded to graduate candidates. As the employee progresses in their role, the pay increases at regular intervals based on the above scale. This incremental structure ensures long-term salary growth, making the SBI Clerk position financially rewarding over time.
| Pay Scale |
Basic Pay (Rs.) |
|
| Initial Basic Pay |
24,050 |
1,340 |
| After 3 Years |
28,070 |
1,650 |
| After 3 More Years |
33,020 |
2,000 |
| After 4 More Years |
41,020 |
2,340 |
| After 7 More Years |
57,400 |
4,400 |
| After 1 More Year |
61,800 |
2,680 |
| After 1 More Year (20 Years) |
64,480 |
– |
SBI Clerk Salary Deductions 2025
SBI deducts certain amounts from the Gross Pay of its employees, including contributions for Union/Associate Membership and the National Pension System (NPS). These deductions are primarily statutory and play a role in income tax calculations. Candidates can refer to the list of deductions provided below.
| SBI Clerk Salary Deductions 2025 |
| Deductions |
Amount |
| Union/ Associate Membership |
160.00 |
| Professional tax |
200 |
| NPS |
3,385.00 |
| Total |
3,745.00 |
SBI Clerk Salary Slip 2025
The SBI Clerk salary slip for 2025, released following the announcement of the final result, gives a detailed breakdown of the earnings and deductions applicable to selected candidates. It highlights various components such as the basic pay, Dearness Allowance (DA), House Rent Allowance (HRA), and Special Allowance. On the deduction side, standard amounts are subtracted for contributions to the National Pension System (NPS), union or association membership fees, and applicable income tax. After all deductions, the net in-hand salary is credited directly to the employee’s account. The latest salary slip gives new joiners a clear picture of their monthly financials post-selection.
SBI Clerk Salary Increments 2025
SBI employees receive annual increments based on the bank’s prescribed pay scale. It is important for candidates to note that the salary structure for SBI Clerk positions undergoes periodic revisions. These updates are designed to maintain competitive compensation, keeping pace with market standards and internal policies.
| SBI Clerk Salary Increments 2025 |
| Basic Pay |
Increments |
Period |
Years of Service |
| ₹ 24,050 |
1340/- |
For 3 years |
03 |
| ₹ 28,070 |
1650/- |
For the next 3 years |
06 |
| ₹ 33,020 |
2000/- |
For the next 4 years |
10 |
| ₹ 41,020 |
2340/- |
For the next 7 years |
17 |
| ₹ 57,400 |
4400/- |
For the next 1 year |
18 |
| ₹ 61,800 |
2680/- |
For the next 1 year |
19 |
| ₹ 64,480 |
— |
— |
— |
SBI Clerk Salary After 5 Years
After working for five years as an SBI Clerk, employees see a good increase in their salary. The basic pay starts at ₹24,050 and goes up by ₹1,340 every year for the first three years. By the end of the third year, the basic pay becomes ₹28,070. For the next three years, the yearly increment becomes ₹1,650, and the salary reaches ₹33,020 by the sixth year. By the fifth year itself, the salary goes up to ₹31,370. This shows that the salary grows regularly and offers a good income as the years go by.
|
|
Basic Pay |
Annual Increment |
|
| 0-3 years |
₹24,050 |
₹1,340 |
₹28,070 |
| 4-6 years |
₹28,070 |
₹1,650 |
₹33,020 |
| After 5 years |
₹24,050 |
₹7,320 (total increment) |
₹31,370 |
SBI Clerk Training Period Salary 2025
In 2025, during the training period, an SBI Clerk will receive a salary of ₹26,730, which includes a basic pay of ₹24,050 along with two extra increments for graduates. This salary will be provided throughout the training phase, lasting until the completion of the six-month probation period. If necessary, the bank reserves the right to extend the probation period at its discretion.
|
|
Amount (Rs.) |
| Basic Pay |
24,050 |
| Additional Increments |
2 increments for graduates
|
| Total Salary during Training |
26,730 |
| Training Period |
Until the completion of the 6-month probation period (may be extended at the bank’s discretion)
|
SBI Clerk Perks & Allowances 2025
The allowances for Junior Associates may differ depending on their posting location. They are entitled to reimbursement for various benefits and perks, including the provident fund, pension under the New Pension Scheme (Defined Contribution Benefit), medical benefits, leave fare, and other facilities. These reimbursements and benefits will be provided as per the guidelines issued by the bank from time to time.
Conveyance Allowance
The table provides details of the monthly reimbursement for conveyance allowances granted to a candidate appointed for the post of junior associate.
| SBI Clerk Conveyance Allowance |
|
Reimbursement Per Month |
| Category of Employees |
Maintaining two or Four Wheelers (Petrol in litres) |
Not Maintaining Vehicles (Amount in Rs) |
Entertainment Expenses (Amount in Rs) |
| Chief Associate (Working as cash-in-charge) |
43 |
900 |
1140 |
| Chief Associate |
43 |
900 |
600 |
| Special Associate |
35 |
850 |
540 |
| Senior Associate |
25 |
700 |
420 |
| Associates/Junior Associates |
20 |
625 |
3602 |
Provision Of Newspapers
The category-wise amount for the provision of newspapers to an SBI Junior Associate is mentioned in the table below.
SBI Clerk Provision Of Newspapers
|
| Category of Staff |
Rupees Per Month |
| Chief Associates |
530 |
| Special Associates working as cash-in-charge/ATM/Locker-in-charge/Members of outbound sales force |
530 |
| Other chief associates/special associates/senior associates/associates/junior associates |
450 |
| Subordinate Staff |
350 |
Medical Facilities
The medical benefits that an SBI Clerk gets are as follows:
- Annual Medical Aid: Employees are eligible for an annual medical aid benefit.
- Improved Medical Aid (Specified Serious Disease): Enhanced medical aid coverage is provided specifically for specified serious diseases.
- Hospitalization Scheme: A scheme is in place to cover hospitalization expenses.
- Other Medical Benefits: Additional medical benefits include coverage for vaccinations.
SBI Clerk Job Profile & Promotion
The Junior Associates at the State Bank of India manage various day-to-day banking operations. Along with the SBI Clerk Salary, candidates should also be familiar with the job profile.
- Cash handling at counters
- Interacting with customers and resolving their queries
- Assisting customers with documentation requirements
- Account opening procedures
- Conducting RTGS/NEFT transactions
- Managing chequebook requests
- Issuing demand drafts
SBI Clerk Career Growth
The State Bank of India provides excellent career advancement opportunities for its employees, ensuring substantial growth. Candidates who join SBI at a young age have the potential to progress to the position of General Manager. The promotions for SBI Clerks primarily occur in two ways:
- In-cadre promotion: Employees have the opportunity to receive promotions within their existing cadre or position, based on their performance, experience, and eligibility criteria.
- Promotion to the office cadre: Employees may also be promoted to higher cadres, such as Officer positions, through a structured promotion process that considers their skills, qualifications, and performance.
In Cadre Promotion
The category of In-Cadre Promotion for an SBI Clerk employee is time-bound and based on home posting.
- Apart from the total salary, employees are entitled to receive a special allowance of 1800 rupees per month. It is important to note that this allowance is not included in the calculation of the basic pay. Upon completing 10 years of service, an Associate is promoted to the position of Senior Associate.
- After serving for twenty years, an Associate becomes a Special Associate. At this stage, a special allowance of 2500 rupees is provided every month. It is significant to mention that after reaching this stage, the allowance is considered in the calculation of the basic pay.
- Upon completing 30 years of service, an associate is promoted to the position of Chief Associate. At this stage, a special allowance of 3500 rupees is paid, and this amount is taken into account when calculating the basic pay.
Promotion To The Office Cadre
After working for three years, an Associate has the opportunity to become a Trainee Officer. To move up to the Officer position, they need to pass the JAIIB and CAIIB exams conducted by the Indian Institute of Banking & Finance. Besides these exams, they must also clear an internal written test and an interview. Once they pass the written test, they begin a two-year probation as a Trainee Officer. After this probation, they have to attend another interview. If they clear this final interview, they get promoted to Middle Management grade (Scale 2). If they do not pass, they will continue working in the clerical role.
SBI Clerk Salary Annual Package
The annual package of SBI Clerk Salary 2025 includes basic pay, various allowances and additional perks. In addition to the fixed components, SBI Clerks may also be eligible for performance-based incentives and bonuses, further enhancing their earnings potential. The comprehensive salary package is complemented by a range of benefits, including healthcare, retirement plans, and other perks, making SBI an employer of choice in the banking sector. The annual package of the SBI Clerk shall be around ₹ 4.92 lakhs.
