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

The SBI Clerk Salary 2025 offers a competitive pay structure, making it one of the most sought-after clerical positions in the banking sector. The starting basic pay is ₹26,730, and with additional allowances such as DA, HRA, and transport allowance, the gross monthly salary goes up to approximately ₹46,000. This salary structure varies slightly based on the posting location, but overall, SBI clerks enjoy strong financial stability along with benefits like medical cover, provident fund, and job security. The salary also increases steadily with periodic increments and promotions.

SBI Clerk Salary Structure 2025

The SBI Clerk Salary Structure 2025 includes not just a basic pay of ₹26,730 but also several allowances that significantly increase the total monthly income. These include Dearness Allowance (DA), House Rent Allowance (HRA), Transport Allowance, and Special Allowance, bringing the gross salary to around ₹46,000 per month. After deductions, the in-hand salary typically falls between ₹41,000 to ₹42,000, depending on the city of posting. Along with the monetary benefits, SBI clerks enjoy perks such as medical facilities, provident fund contributions, pension under NPS, and leave fare concessions, adding long-term value to the job.

SBI Clerk In Hand Salary

The in-hand salary of an SBI Clerk in 2025 is estimated to be around ₹42,584 per month after deductions. This figure includes the basic pay, allowances such as Dearness Allowance (DA), House Rent Allowance (HRA), and Special Allowance, among others. Employees posted in metropolitan cities like Mumbai are entitled to additional increments. The salary structure ensures financial security with regular increments and allowances, which makes the role attractive to candidates looking for stable career growth.

SBI Clerk Basic Pay

The Basic and initial Pay for a newly recruit candidates is 24,050, and for those working in metropolitan cities like Mumbai, there will be two additional increments. The salary follows a structured pay scale, starting at ₹24,050 with an increment of ₹1,340 every 3 years. After 3 years, the salary increases to ₹28,070, followed by ₹33,020 after 3 more years. After 4 years, it reaches ₹41,020, then ₹57,400 after 7 more years. The salary continues to rise, reaching ₹61,800 after another year and finally ₹64,480 after 20 years of service.

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 for 2025 details the various components of an employee’s earnings and deductions. It includes basic pay along with allowances such as Dearness Allowance (DA), House Rent Allowance (HRA), and Special Allowance. These allowances vary based on factors like location and inflation, ensuring alignment with the cost of living. Additionally, deductions for contributions like Union/Associate Membership, NPS, and income tax are applied to the gross salary. After these deductions, the net salary is credited to the employee’s account. The latest salary slip is provided below.

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

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.

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 gets a chance to become a Trainee Officer. To move up to the Officer post, they must first pass the JAIIB and CAIIB exams, which are held by the Indian Institute of Banking & Finance. Along with these exams, they also need to clear an internal written test and interview. Once they pass the written test, they enter a two-year probation period as a Trainee Officer. After this period, they face another interview. If they clear this final interview, they are promoted to the Middle Management grade (Scale 2). If they do not pass the interview, they will remain 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.