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

The SBI Clerk position continues to be one of the most prominent roles in the banking sector, thanks to its attractive salary package and job stability. In 2025, the starting basic pay for an SBI Clerk is ₹26,730, with the gross monthly salary reaching approximately ₹46,000, including allowances and benefits. The salary structure not only offers financial security but also comes with additional perks such as DA, HRA, transport allowance, and more. In this article, we break down the complete SBI Clerk salary details for 2025, including in-hand salary, allowances, and growth prospects.

SBI Clerk Salary Structure 2025

The in-hand salary of an SBI Clerk refers to the amount received after deductions such as Union/Associate Membership fees and contributions to the National Pension System (NPS). This take-home pay varies depending on individual deductions, applicable allowances, and the candidate’s posting location. A detailed breakdown of the SBI Clerk 2025 salary, including all components of the total compensation, is presented in the table below. Furthermore, candidates preparing for the position should note that the SBI Clerk Mains Exam 2025 is schedule on 10th April 2025.

SBI Clerk In Hand Salary

The in-hand salary of an SBI Clerk in 2025 will be around ₹46,000 per month, including Dearness Allowance (DA) and other allowances at the current rate. In metropolitan cities like Mumbai, employees will receive two additional increments. The SBI Clerk 2025 salary follows the pay scale structure: ₹24,050-1340/3-₹28,070-1650/3-₹33,020-2000/4-₹41,020-2340/7-₹57,400-4400/1-₹61,800-2680/1-₹64,480 over a span of 20 years.

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 Mains Exam Analysis 2025, 12th April 2025

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 below table.

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 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 through 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.