SBI Clerk Salary 2025, Rs. 46,000 Monthly Salary as SBI Clerk

The SBI Clerk Salary 2025 offers a good pay scale along with various benefits, making it a popular choice for candidates looking for a secure job in the banking sector. Those selected as Junior Associates (Customer Support & Sales) can receive a gross monthly salary of around ₹46,000. However, the exact amount may vary based on the city of posting and the allowances provided.

SBI Clerk Salary 2025

In 2025, the net in-hand salary of an SBI Clerk is around ₹42,584 per month after necessary deductions. Along with the basic pay, employees enjoy several additional benefits, including Dearness Allowance (DA), House Rent Allowance (HRA), transport allowance, medical coverage, and different types of paid leaves.

SBI Clerk Salary Structure 2025

The SBI Clerk Salary Structure 2025 includes a basic pay of ₹26,730, which is further boosted by several allowances, increasing the overall monthly earnings. In addition to the salary, SBI Clerks also receive long-term benefits like medical insurance, contributions to the National Pension Scheme (NPS), provident fund, and leave travel concessions. These added advantages make the job both financially secure and professionally rewarding.

SBI Clerk In Hand Salary

Starting a career as an SBI Clerk in 2025 comes with the advantage of a steady and rewarding income. The in-hand salary is around ₹42,584 per month after deductions, which includes the basic pay along with allowances like DA, HRA, and Special Allowance. Employees posted in metro cities such as Mumbai may receive a slightly higher salary due to location-specific allowances. With regular salary hikes and additional benefits, the SBI Clerk role offers both financial stability and career advancement opportunities.

Also Read, SBI Clerk Mains Cut Off 2025

SBI Clerk Basic Pay

The starting basic pay for an SBI Clerk in 2025 is ₹26,730, which includes two advance increments for graduate candidates. The salary follows a structured pay scale with regular increments, allowing steady growth over time and making the role financially rewarding in the long run.

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 Slip 2025

The SBI Clerk salary slip 2025, issued after the final result, provides a clear summary of monthly earnings and deductions. It includes components like basic pay, DA, HRA, and Special Allowance, while deductions cover NPS contributions, union fees, and income tax. After all deductions, the net salary is directly credited to the employee’s account, giving new joiners a transparent view of their monthly pay.

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 After 5 Years

Within five years of joining, an SBI Clerk experiences steady salary growth. Starting with a basic pay of ₹24,050, it increases by ₹1,340 annually for the first three years, reaching ₹28,070. With higher increments of ₹1,650 over the next two years, the basic pay rises to ₹31,370 by the fifth year, reflecting consistent career and salary progression.

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.

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.

Provision Of Newspapers

The category-wise amount for the provision of newspapers to an SBI Junior Associate is mentioned in the table below.

Medical Facilities

The medical benefits that an SBI Clerk gets are as follows:

1. Annual Medical Aid: Employees are eligible for an annual medical aid benefit.
2. Improved Medical Aid (Specified Serious Disease): Enhanced medical aid coverage is provided specifically for specified serious diseases.
3. Hospitalization Scheme: A scheme is in place to cover hospitalization expenses.
4. 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 salary package for an SBI Clerk in 2025 is approximately ₹4.92 lakhs. This includes the basic pay, various allowances, and additional perks. Along with a steady income, SBI offers benefits like medical coverage, retirement plans, and other employee-friendly provisions, making it one of the most attractive employers in the banking industry.