An IBPS clerk joining a public sector bank in 2026 starts on a basic pay of ₹24,050 under the 12th Bipartite Settlement. With special allowance, dearness allowance at 27.83% and HRA, the first month's gross salary works out to about ₹42,442, and take-home is about ₹39,367 before professional tax. Use the calculator below for your own year of service, then read how each figure is worked out, what is deducted and how the salary grows over the first five years.
By Vishvas Yadav · Updated 4 October 2026 · DA 27.83% (August to October 2026 quarter)
IBPS clerk salary calculator
Pick your year of service or move the slider, check the DA rate and enter your state's professional tax. The calculator applies the 12th Bipartite Settlement rules for clerical staff and shows every line of the pay slip.
For officers, arrears or a full pay slip including income tax and gratuity, use the 12th Bipartite Settlement salary calculator.
IBPS clerk salary 2026 at a glance
| Item | Amount or rule |
|---|---|
| Post | Customer Service Associate (clerk) in participating public sector banks |
| Pay scale | 24050-1340/3-28070-1650/3-33020-2000/4-41020-2340/7-57400-4400/1-61800-2680/1-64480 |
| Starting basic pay | ₹24,050 |
| Dearness allowance | 27.83% (August to October 2026), revised every quarter |
| Special allowance | 26.50% of basic pay, with DA on it |
| HRA | 10.25% of pay at every centre |
| Transport allowance | ₹850 a month, with DA on it |
| Gross salary, first month | About ₹42,442 |
| Take-home before professional tax | About ₹39,367 |
| Pension scheme | NPS: 10% from you, 14% from the bank |
IBPS clerk pay scale and basic pay
Clerks in public sector banks are not paid under a Pay Commission. Their pay comes from the 12th Bipartite Settlement between the Indian Banks' Association and the unions, signed on 8 March 2024 and effective from 1 November 2022 to 31 October 2027. The IBPS CRP CSA-XVI notification for 2026 quotes this same scale with a basic pay of ₹24,050.
Read the scale left to right. "24050-1340/3-28070" means you start at ₹24,050 and get three annual increments of ₹1,340 to reach ₹28,070. The increment then rises in steps until the top of the scale, ₹64,480, after 20 years. Beyond that, the settlement allows 11 stagnation increments of ₹2,680, one every two years.
| Band | Increment | Number | Basic pay reached |
|---|---|---|---|
| Start | – | – | ₹24,050 |
| 1 | ₹1,340 | 3 | ₹28,070 |
| 2 | ₹1,650 | 3 | ₹33,020 |
| 3 | ₹2,000 | 4 | ₹41,020 |
| 4 | ₹2,340 | 7 | ₹57,400 |
| 5 | ₹4,400 | 1 | ₹61,800 |
| 6 | ₹2,680 | 1 | ₹64,480 |
| Stagnation | ₹2,680 every 2 years | 11 | ₹93,960 |
Every stage for clerks, subordinate staff and officers is listed in the 12th Bipartite Settlement pay scale.
Allowances in a bank clerk's salary
Special allowance
26.50% of basic pay, and DA is paid on it as well. It is part of your monthly salary but does not count towards pension, PF, NPS or gratuity.
Dearness allowance
DA for bank staff is linked to the All India CPI-IW and changes every quarter, in February, May, August and November. For August to October 2026 it is 27.83%, as set out in AIBEA circular 30/11/2026/37. It is paid on basic pay, special allowance and transport allowance. The next revision is due from 1 November 2026, so your salary changes four times a year even without an increment. Every quarter since 2022, and the expected rate from November, are on the current DA page.
House rent allowance
10.25% of pay at every centre. "Pay" here means basic pay plus any qualification pay, not special allowance or DA. A clerk in Mumbai and a clerk in a small town on the same stage get the same HRA. Where the bank provides quarters, HRA is not paid.
Transport allowance
₹850 a month plus DA on it, which comes to about ₹1,087 at the current rate.
Deductions from an IBPS clerk's salary
| Deduction | How it works |
|---|---|
| NPS | 10% of basic pay plus DA on basic. The bank adds 14% of the same amount to your NPS account, over and above your salary |
| Professional tax | Set by your state. Some states levy none; the constitutional cap is ₹2,500 a year |
| Income tax | Usually nil at the starting salary. Under the new tax regime for 2026-27, total income up to ₹12 lakh carries no tax after the rebate, and salaried employees get a ₹75,000 standard deduction |
| Other | Union subscription, staff welfare or insurance premiums where you have opted in. These vary by bank |
To check tax on your own figures, use the income tax calculator.
IBPS clerk in-hand salary: worked example
A new clerk on stage 1 of the scale, at DA of 27.83%:
| Component | Calculation | ₹ a month |
|---|---|---|
| Basic pay | Stage 1 | 24,050 |
| Special allowance | 26.50% of 24,050 | 6,373 |
| Transport allowance | Fixed | 850 |
| Dearness allowance | 27.83% of (24,050 + 6,373 + 850) | 8,703 |
| HRA | 10.25% of 24,050 | 2,465 |
| Gross salary | 42,442 | |
| Less NPS | 10% of (24,050 + 27.83% of 24,050) | 3,074 |
| Take-home before professional tax | 39,367 |
Each line is shown to the nearest rupee and the totals are worked on the exact amounts, which is why the lines can add up to ₹1 less than the total. This is the same method the 12th Bipartite Settlement salary calculator uses. Subtract your state's professional tax to get the final figure. The bank also pays ₹4,304 a month (14%) into your NPS account, which does not show in take-home but is part of what the job is worth.
Salary progression in the first five years
Each year you complete earns one increment. The table holds DA at the current 27.83% so the effect of increments alone is visible. In practice DA will change every quarter, so treat these as illustrative.
| Year of service | Basic pay (₹) | Gross (₹) | NPS (₹) | Take-home before PT (₹) |
|---|---|---|---|---|
| 1 | 24,050 | 42,442 | 3,074 | 39,367 |
| 2 | 25,390 | 44,746 | 3,246 | 41,500 |
| 3 | 26,730 | 47,050 | 3,417 | 43,633 |
| 4 | 28,070 | 49,354 | 3,588 | 45,766 |
| 5 | 29,720 | 52,192 | 3,799 | 48,392 |
The jump in year 5 is larger because the increment rises from ₹1,340 to ₹1,650 after ₹28,070.
Increments, JAIIB and CAIIB
The annual increment is the main source of growth within the scale. Passing the IIBF's JAIIB and CAIIB adds to it. Clerks who pass these exams earn qualification increments under their bank's rules. Once at the top of the scale, the 12th BPS pays Professional Qualification Pay instead. That is ₹940 a month one year after reaching the maximum, rising to ₹1,880 and then ₹2,820 for CAIIB holders. This qualification pay counts as pay for DA and superannuation. Confirm the number of increments that apply to you with your bank's HR, because the rules depend on your stage when you qualify.
Career path from clerk to officer
A clerk can move into the officer cadre in two ways: through the bank's internal promotion process, which has its own service and exam conditions, or by clearing an officer recruitment exam such as IBPS PO. Officer Scale I starts at a basic pay of ₹48,480 under the 9th Joint Note, roughly double the clerical starting basic. Officers' allowances also differ: special allowance is 26.50% at Scale I, and HRA depends on the city. The full officer scales are in the pay scale chart.
Who can apply for IBPS clerk
For CRP CSA-XVI, IBPS requires a graduate degree in any discipline from a recognised university and an age of 20 to 28 years as on 1 August 2026, with the usual relaxations for reserved categories. Check the official notification on ibps.in before applying, because state language and other conditions apply.
Frequently asked questions
What is the in-hand salary of an IBPS clerk in 2026?
About ₹39,367 a month at the start, before professional tax, at DA of 27.83%. This is gross salary of ₹42,442 less the 10% NPS contribution of ₹3,074.
What is the basic pay of an IBPS clerk?
₹24,050 a month, the first stage of the clerical scale under the 12th Bipartite Settlement. It rises by ₹1,340 a year for the first three increments.
Does IBPS clerk salary differ by city?
No. HRA for clerks is 10.25% of pay at every centre under the 12th Bipartite Settlement, so gross salary is the same in a metro and in a small town. Take-home can differ slightly because professional tax depends on the state.
How often does an IBPS clerk get an increment?
Once a year within the scale. After reaching the maximum of ₹64,480, clerks get up to 11 stagnation increments of ₹2,680, one every two years. DA, which changes every quarter, also raises the salary.
How do I calculate my IBPS clerk salary?
Add basic pay, special allowance at 26.50% of basic, DA at the current rate on basic, special allowance and the ₹850 transport allowance, and HRA at 10.25% of basic. Then deduct 10% of basic plus DA on basic for NPS, and your state's professional tax. The calculator on this page does this for every year of service.
Is NPS deducted from IBPS clerk salary?
Yes. Clerks who join now are covered by the National Pension System. 10% of basic pay plus DA is deducted each month, and the bank contributes 14% of the same amount.
Figures are calculated from the published settlement and DA circular and are rounded to the nearest rupee. Your pay slip may differ because of your stage, qualification pay, state professional tax and bank-specific deductions. Check with your bank's HR or payroll department.
If you want to test how well you understand salary components, deductions and statutory rules, try the free Indian payroll management quiz.
Written by Vishvas Yadav, Senior HR | Payroll & Compliance Professional, Founder of HR Calcy.