Use our 11th BPS Salary Calculator to get accurate revised salary, DA, HRA, and net pay. Compare 10th vs 11th BPS instantly. No login needed. Mobile-friendly and updated for 2025 settlements.
11th Bipartite Settlement Salary Calculator
| Basic Inputs | |
|---|---|
| 10th BPS Basic: | |
| Current DA %: | |
| Employee Category: | |
| Work Location: | |
| Years of Service: | |
| Deductions | |
| Pension Scheme: | |
| Professional Tax: | |
| I. Tax (Optional): | |
Public sector bank employees across India have long awaited clarity on how their salary would look post the 11th Bipartite Settlement. While the agreement brought relief in terms of a 15% hike, many still struggle to understand the exact figures applicable to their role, grade, and location.
That’s precisely why this modern, mobile-friendly 11th BPS Salary Calculator exists. Designed with clarity and precision, it enables any Officer, Clerk, or Sub-Staff to calculate their revised salary under the 11th settlement in just a few taps—no login or signup required.
What the 11th Settlement Means for You
The 11th settlement, effective from November 1, 2017, reshaped salary structures in the banking sector. This wage revision was formalized between the Indian Banks' Association and bank unions, covering more than eight lakh employees.
Instead of plain numbers or approximations, it introduced clarity in terms of:
- Revised Basic Pay for all levels
- Specific Dearness Allowance (DA) calculations
- Housing Rent Allowance (HRA) based on location
- Rationalized medical and newspaper allowances
- Defined pension deductions (EPF/NPS)
This calculator brings all of these into one real-time calculation framework—without the jargon or manual math. You’ll know your new gross and net salary instantly based on your inputs.
Who Can Use This Calculator?
This calculator is developed for:
| Employee Group | Basic Pay Revision | Medical Allowance | Location-Based HRA |
|---|---|---|---|
| Officers (Scale I-IV) | Yes | ₹8,000 | Yes |
| Clerks | Yes | ₹8,000 | Yes |
| Subordinate Staff | Yes | ₹6,000 | Yes |
Whether you’re posted in a metro city or a rural branch, this calculator dynamically adjusts values as per your selection. The flexibility ensures that anyone from any branch or cadre gets a personalized breakdown—without needing payroll support or HR intervention.
What Makes This Calculator Different
Unlike generic tools or PDF-based charts, this calculator offers real-time calculations for every critical salary component. Here’s what it includes:
- 15% hike on your existing basic (from the 10th BPS)
- Automatically adjusted DA based on the current rate (46.9% prefilled)
- Location-wise HRA: 9% for metro cities, 7.5% for urban, and more
- Fixed allowances based on designation
- Auto-calculation of deductions (NPS/EPF, PT, optional income tax)
The methodology directly reflects components as outlined in the official settlement release, making it a reliable and accurate tool.
Why Clarity Matters More Than Ever
After the announcement, thousands of employees turned online to estimate their revised salary. However, most calculators either lacked customization, omitted deductions, or failed to reflect realistic take-home figures.
This tool addresses those pain points:
- It shows both old vs new salary side-by-side.
- Includes deductions, not just gross earnings.
- Offers a detailed breakdown of every allowance.
- Supports multiple employee types and cities.
Most importantly, it's built for India—simple, mobile-optimized, fast, and error-free.
Calculation Logic Behind the 11th BPS Salary Update
To truly understand your revised salary, it’s essential to know the principles used in the calculator. Unlike superficial tools, this one replicates the complete salary logic applied during the wage revision process. It’s more than just a 15% hike on the basic—multiple dynamic factors come into play.
Revised Basic Pay Structure
The 11th settlement introduced a 15% hike over the 10th BPS basic. For example, if your current basic pay is ₹40,000, it becomes ₹46,000 under the new structure. This increased basic is the foundation for all further calculations.
| Current Basic (10th BPS) | Revised Basic (11th BPS) |
|---|---|
| ₹30,000 | ₹34,500 |
| ₹40,000 | ₹46,000 |
| ₹50,000 | ₹57,500 |
This updated base is used to compute Dearness Allowance, HRA, pension contributions, and other allowances.
Allowances That Get Adjusted
The Dearness Allowance (DA) continues to be linked to the Consumer Price Index (CPI). Currently, the rate stands at 46.9%. The calculator updates this automatically but also allows users to edit it for future projections.
Housing Rent Allowance (HRA) is dependent on your work location:
| Location | HRA % |
|---|---|
| Metro Cities | 9% |
| Urban | 7.5% |
| Semi-Urban | 8.5% |
| Rural | 10% |
Other components, like Medical Allowance and Newspaper Reimbursement, are flat benefits, and this calculator includes them as per norms. Officers and Clerks receive ₹8,000 medical allowance annually, while Subordinate Staff are eligible for ₹6,000.
Understanding Deductions and Net Take-Home Pay
While allowances and salary hikes are exciting, deductions significantly affect your monthly in-hand salary. Most calculators available online fail to include them. This tool offers a complete picture—calculating both gross earnings and net salary after deductions.
Key Deductions Included
- Pension Contribution
- EPF: 12% of revised basic
- NPS: 10% of revised basic
- Professional Tax: Default is ₹200 but can be adjusted
- Income Tax: Optional, can be manually added for realistic estimates
The tool allows you to choose your pension scheme and automatically calculates the deduction accordingly. For instance, if your revised basic is ₹46,000:
- EPF deduction: ₹5,520 (12%)
- NPS deduction: ₹4,600 (10%)
This flexibility helps users estimate their take-home salary with greater accuracy.
Real-World Use Case: From Uncertainty to Clarity
Consider an officer posted in Mumbai, earning ₹50,000 as basic pay under the 10th BPS. After applying the settlement:
- Revised Basic: ₹57,500
- DA @ 46.9%: ₹26,967
- HRA @ 9%: ₹5,175
- Medical + Newspaper + PPP: ₹10,100
- Gross Salary: ₹99,742
- Deductions (EPF, PT): Approx. ₹6,420
- Net Salary: ₹93,322
This realistic breakdown is what the calculator displays instantly based on your selections. It removes the confusion often faced when trying to manually calculate these figures or interpret complex pay charts issued by banks or unions.
In fact, many bank unions like the All India Bank Employees Association have supported the settlement, yet haven't provided a ready-made tool for employees to interpret it—further highlighting the value of this calculator.
How the 11th BPS Calculator Benefits Different Employee Categories
The strength of this calculator lies in its ability to cater to various employee groups within the Indian banking system. Whether you're a junior clerk just a few years into the job or a senior officer nearing retirement, the tool customizes outputs based on your profile.
Dynamic Adjustment Based on Role and Service Length
Bank employees’ compensation isn't static—it evolves with seniority, location, and job type. This tool incorporates each of those variables without overwhelming the user.
| Category | Service-Based Input | Location-Specific HRA | Pension Choice Flexibility |
|---|---|---|---|
| Officers (Scale I–IV) | Yes | Yes | EPF/NPS |
| Clerks | Yes | Yes | EPF/NPS |
| Subordinate Staff | Yes | Yes | EPF/NPS |
This means an officer with 15 years of service in Hyderabad can receive a different projection than a clerk in a rural branch, even with the same basic pay—because factors like HRA percentage and fixed allowances vary.
In addition, for those eligible for stagnation increments, this tool highlights when such benefits may apply based on years of service, ensuring nothing is left out.
Transparent Comparison of Old vs. New Salary
One of the standout features of this calculator is its side-by-side view of old (10th BPS) and revised (11th BPS) salary components. While most existing tools show only the revised salary, this one allows users to see the increase in actual monetary terms and percentage.
Here's a simplified version of what you might see:
| Component | 10th BPS (₹) | 11th BPS (₹) | Difference |
|---|---|---|---|
| Basic Pay | ₹40,000 | ₹46,000 | +₹6,000 |
| DA (46.9%) | ₹18,760 | ₹21,574 | +₹2,814 |
| HRA (Metro) | ₹3,600 | ₹4,140 | +₹540 |
| Gross Salary | ₹72,360 | ₹83,314 | +₹10,954 |
| Net Salary (after deductions) | ₹66,000 | ₹75,800 | +₹9,800 |
Such clarity makes it easier for employees to understand what their increment really means in hand, especially when calculating the difference after all deductions are applied.
This aspect aligns with the goals of tools offered by bodies like the Indian Banks' Association that aim to bring transparency in wage revisions, but goes a step further by being user-facing and interactive.
Why Existing Online Tools Fall Short
Several online resources attempt to provide salary estimations under the 11th Bipartite Settlement, but most fall into one of the following limitations:
- Static PDFs: Many websites only offer downloadable tables or circulars with outdated or generalized information.
- Lack of Customization: Few tools allow location selection, pension scheme differentiation, or deduction estimation.
- No Comparative Breakdown: Most omit side-by-side old vs. new salary comparisons.
- No Deductions Included: Calculators often display gross salary only, misleading users about actual take-home pay.
This calculator was built to eliminate each of those issues. Every field—whether dropdown or numeric input—is designed to reflect real-time choices and compute outputs instantly.
With a focus on employee-first experience, it ensures the data is actionable, not just informative. Whether you're discussing your revised package with HR or planning monthly finances, this tool provides clarity in seconds.
Real-Time Interactivity and Mobile-First Design
In the current digital landscape, users expect more than just static tools. One of the standout features of this 11th BPS Salary Calculator is its real-time response system. As inputs are entered or modified, calculations are instantly updated—eliminating the need for page reloads or manual formula tracking.
Designed for Convenience on Any Device
A significant limitation with many government or legacy tools is their lack of mobile responsiveness. Most were built for desktops and display poorly on smaller screens. This calculator, however, has been designed with a mobile-first philosophy, ensuring optimal performance on smartphones, tablets, and laptops.
Whether you're a field officer accessing it from a remote branch or a clerk checking your take-home pay during a commute, the layout adjusts seamlessly. Elements like input fields, result tables, and action buttons have been styled to remain readable and tappable without zooming or scrolling horizontally.
This matches the standards outlined by the Ministry of Electronics & IT for mobile usability in public-facing applications—ensuring both accessibility and efficiency.
Customization for Future DA Changes and Policy Updates
Another critical feature is the flexibility to adjust assumptions such as Dearness Allowance. Since DA revisions happen quarterly based on inflation and CPI indices, this calculator allows users to manually input the latest percentage—offering continued relevance long after the 11th BPS was announced.
This means users can:
- Simulate future salary projections if DA increases to 50% or beyond.
- Adjust values if they anticipate changes due to upcoming government announcements.
- Estimate their revised pay after the next Industrial Dearness Allowance (IDA) cycle.
These capabilities are especially important for proactive financial planning, particularly in sectors governed by policy-driven wage revisions.
| Quarter | CPI-Based DA (%) | Effective From |
|---|---|---|
| Q1 FY25 | 46.9% | March 2025 |
| Q2 FY25 | 49.2%* (expected) | July 2025 |
*Note: Anticipated based on provisional CPI data by the Labour Bureau
By giving control back to users, this calculator goes beyond fixed assumptions and remains useful over time—something traditional wage circulars and static tools fail to achieve.
Built With Simplicity, Backed By Policy
Every element of the calculator is rooted in official data but presented with a focus on clarity. For instance, fixed allowances such as Medical (₹6,000–₹8,000) and Newspaper Reimbursement (₹500) are embedded in the output, rather than left as vague text descriptions.
Similarly, HRA calculations follow official slab-based classification as per city tiers. These rates remain in line with guidelines circulated by HR departments post-BPS implementation, ensuring consistency and accuracy.
This policy-aligned approach not only builds trust among users but ensures that the tool remains compliant with evolving HR and payroll norms within the banking ecosystem.
Calculation Logic Behind the 11th BPS Salary Update
To truly understand your revised salary, it’s essential to know the principles used in the calculator. Unlike superficial tools, this one replicates the complete salary logic applied during the wage revision process. It’s more than just a 15% hike on the basic—multiple dynamic factors come into play.
Revised Basic Pay Structure
The 11th settlement introduced a 15% hike over the 10th BPS basic. For example, if your current basic pay is ₹40,000, it becomes ₹46,000 under the new structure. This increased basic is the foundation for all further calculations.
| Current Basic (10th BPS) | Revised Basic (11th BPS) |
|---|---|
| ₹30,000 | ₹34,500 |
| ₹40,000 | ₹46,000 |
| ₹50,000 | ₹57,500 |
This updated base is used to compute Dearness Allowance, HRA, pension contributions, and other allowances.
Allowances That Get Adjusted
The Dearness Allowance (DA) continues to be linked to the Consumer Price Index (CPI). Currently, the rate stands at 46.9%. The calculator updates this automatically but also allows users to edit it for future projections.
Housing Rent Allowance (HRA) is dependent on your work location:
| Location | HRA % |
|---|---|
| Metro Cities | 9% |
| Urban | 7.5% |
| Semi-Urban | 8.5% |
| Rural | 10% |
Other components, like Medical Allowance and Newspaper Reimbursement, are flat benefits, and this calculator includes them as per norms. Officers and Clerks receive ₹8,000 medical allowance annually, while Subordinate Staff are eligible for ₹6,000.
Understanding Deductions and Net Take-Home Pay
While allowances and salary hikes are exciting, deductions significantly affect your monthly in-hand salary. Most calculators available online fail to include them. This tool offers a complete picture—calculating both gross earnings and net salary after deductions.
Key Deductions Included
- Pension Contribution
- EPF: 12% of revised basic
- NPS: 10% of revised basic
- Professional Tax: Default is ₹200 but can be adjusted
- Income Tax: Optional, can be manually added for realistic estimates
The tool allows you to choose your pension scheme and automatically calculates the deduction accordingly. For instance, if your revised basic is ₹46,000:
- EPF deduction: ₹5,520 (12%)
- NPS deduction: ₹4,600 (10%)
This flexibility helps users estimate their take-home salary with greater accuracy.
Real-World Use Case: From Uncertainty to Clarity
Consider an officer posted in Mumbai, earning ₹50,000 as basic pay under the 10th BPS. After applying the settlement:
- Revised Basic: ₹57,500
- DA @ 46.9%: ₹26,967
- HRA @ 9%: ₹5,175
- Medical + Newspaper + PPP: ₹10,100
- Gross Salary: ₹99,742
- Deductions (EPF, PT): Approx. ₹6,420
- Net Salary: ₹93,322
This realistic breakdown is what the calculator displays instantly based on your selections. It removes the confusion often faced when trying to manually calculate these figures or interpret complex pay charts issued by banks or unions.
In fact, many bank unions like the All India Bank Employees Association have supported the settlement, yet haven't provided a ready-made tool for employees to interpret it—further highlighting the value of this calculator.
How the 11th BPS Calculator Benefits Different Employee Categories
The strength of this calculator lies in its ability to cater to various employee groups within the Indian banking system. Whether you're a junior clerk just a few years into the job or a senior officer nearing retirement, the tool customizes outputs based on your profile.
Dynamic Adjustment Based on Role and Service Length
Bank employees’ compensation isn't static—it evolves with seniority, location, and job type. This tool incorporates each of those variables without overwhelming the user.
| Category | Service-Based Input | Location-Specific HRA | Pension Choice Flexibility |
|---|---|---|---|
| Officers (Scale I–IV) | Yes | Yes | EPF/NPS |
| Clerks | Yes | Yes | EPF/NPS |
| Subordinate Staff | Yes | Yes | EPF/NPS |
This means an officer with 15 years of service in Hyderabad can receive a different projection than a clerk in a rural branch, even with the same basic pay—because factors like HRA percentage and fixed allowances vary.
In addition, for those eligible for stagnation increments, this tool highlights when such benefits may apply based on years of service, ensuring nothing is left out.
Transparent Comparison of Old vs. New Salary
One of the standout features of this calculator is its side-by-side view of old (10th BPS) and revised (11th BPS) salary components. While most existing tools show only the revised salary, this one allows users to see the increase in actual monetary terms and percentage.
Here's a simplified version of what you might see:
| Component | 10th BPS (₹) | 11th BPS (₹) | Difference |
|---|---|---|---|
| Basic Pay | ₹40,000 | ₹46,000 | +₹6,000 |
| DA (46.9%) | ₹18,760 | ₹21,574 | +₹2,814 |
| HRA (Metro) | ₹3,600 | ₹4,140 | +₹540 |
| Gross Salary | ₹72,360 | ₹83,314 | +₹10,954 |
| Net Salary (after deductions) | ₹66,000 | ₹75,800 | +₹9,800 |
Such clarity makes it easier for employees to understand what their increment really means in hand, especially when calculating the difference after all deductions are applied.
This aspect aligns with the goals of tools offered by bodies like the Indian Banks' Association that aim to bring transparency in wage revisions, but goes a step further by being user-facing and interactive.
Why Existing Online Tools Fall Short
Several online resources attempt to provide salary estimations under the 11th Bipartite Settlement, but most fall into one of the following limitations:
- Static PDFs: Many websites only offer downloadable tables or circulars with outdated or generalized information.
- Lack of Customization: Few tools allow location selection, pension scheme differentiation, or deduction estimation.
- No Comparative Breakdown: Most omit side-by-side old vs. new salary comparisons.
- No Deductions Included: Calculators often display gross salary only, misleading users about actual take-home pay.
This calculator was built to eliminate each of those issues. Every field—whether dropdown or numeric input—is designed to reflect real-time choices and compute outputs instantly.
With a focus on employee-first experience, it ensures the data is actionable, not just informative. Whether you're discussing your revised package with HR or planning monthly finances, this tool provides clarity in seconds.
Real-Time Interactivity and Mobile-First Design
In the current digital landscape, users expect more than just static tools. One of the standout features of this 11th BPS Salary Calculator is its real-time response system. As inputs are entered or modified, calculations are instantly updated—eliminating the need for page reloads or manual formula tracking.
Designed for Convenience on Any Device
A significant limitation with many government or legacy tools is their lack of mobile responsiveness. Most were built for desktops and display poorly on smaller screens. This calculator, however, has been designed with a mobile-first philosophy, ensuring optimal performance on smartphones, tablets, and laptops.
Whether you're a field officer accessing it from a remote branch or a clerk checking your take-home pay during a commute, the layout adjusts seamlessly. Elements like input fields, result tables, and action buttons have been styled to remain readable and tappable without zooming or scrolling horizontally.
This matches the standards outlined by the Ministry of Electronics & IT for mobile usability in public-facing applications—ensuring both accessibility and efficiency.
Customization for Future DA Changes and Policy Updates
Another critical feature is the flexibility to adjust assumptions such as Dearness Allowance. Since DA revisions happen quarterly based on inflation and CPI indices, this calculator allows users to manually input the latest percentage—offering continued relevance long after the 11th BPS was announced.
This means users can:
- Simulate future salary projections if DA increases to 50% or beyond.
- Adjust values if they anticipate changes due to upcoming government announcements.
- Estimate their revised pay after the next Industrial Dearness Allowance (IDA) cycle.
These capabilities are especially important for proactive financial planning, particularly in sectors governed by policy-driven wage revisions.
| Quarter | CPI-Based DA (%) | Effective From |
|---|---|---|
| Q1 FY25 | 46.9% | March 2025 |
| Q2 FY25 | 49.2%* (expected) | July 2025 |
*Note: Anticipated based on provisional CPI data by the Labour Bureau
By giving control back to users, this calculator goes beyond fixed assumptions and remains useful over time—something traditional wage circulars and static tools fail to achieve.
Built With Simplicity, Backed By Policy
Every element of the calculator is rooted in official data but presented with a focus on clarity. For instance, fixed allowances such as Medical (₹6,000–₹8,000) and Newspaper Reimbursement (₹500) are embedded in the output, rather than left as vague text descriptions.
Similarly, HRA calculations follow official slab-based classification as per city tiers. These rates remain in line with guidelines circulated by HR departments post-BPS implementation, ensuring consistency and accuracy.
This policy-aligned approach not only builds trust among users but ensures that the tool remains compliant with evolving HR and payroll norms within the banking ecosystem.
How to Use the 11th BPS Salary Calculator Effectively
While the tool is self-explanatory and doesn’t require any sign-up, a quick guide can help users make the most of its precision.
Step-by-Step Usage Guide:
- Enter Your Basic Pay as per the 10th Bipartite Settlement.
- Update DA Percentage, if not already pre-filled with the latest.
- Choose Your Employee Type – Officer, Clerk, or Sub Staff.
- Select Work Location to get accurate HRA: Metro, Urban, Semi-Urban, or Rural.
- Fill in Your Service Years, especially important if you're near stagnation increment eligibility.
- Pick Pension Scheme (EPF or NPS), which affects deductions.
- Enter PT & IT, if applicable.
The system instantly shows a detailed comparison between your current (10th BPS) and revised (11th BPS) salary, breaking down each component and clearly calculating gross and net salary differences.
The interactivity and simplicity mirror modern banking portals such as SBI’s HRMS and Union Bank’s eHRMS platforms, where quick calculations are vital for staff clarity and transparency.
Who Should Use This Calculator and Why It Matters
This tool isn’t limited to currently serving bankers. It’s equally valuable for:
| User Type | Why It’s Useful |
|---|---|
| New Joiners in Banks | Understand revised salary structures before accepting offer |
| HR Professionals | Verify payroll transitions between 10th and 11th BPS |
| Finance Planners | Help clients plan taxes and monthly budgets accurately |
| Retiring Employees | Cross-check last drawn salary before gratuity calculation |
| Union Representatives | Use data-backed numbers during representation |
In an environment where transparency and self-awareness are essential, especially post-union negotiations and formal settlements, such tools promote trust and empower individual employees with clear insight into their earnings.
Key Takeaways
- The 11th BPS Salary Calculator allows quick, accurate, and personalized salary projections.
- It compares 10th and 11th BPS pay scales line-by-line, including DA, HRA, deductions, and take-home figures.
- The tool is mobile-responsive, sign-up free, and constantly adaptable to future DA changes.
- Suitable for officers, clerks, and sub-staff across all types of banking institutions.
Whether you're looking to validate your HR slip or assess what your next paycheck might look like post-wage revision, this calculator bridges the gap between policy and practice with clarity and speed.
Final Thoughts
The 11th BPS Salary Calculator is more than just a numeric tool—it’s a complete bridge between policy, payroll, and people. With the complexity of settlements, variable allowances, and periodic changes in DA, having such an intuitive calculator removes guesswork from financial planning.
It’s built not only to inform, but to empower.
FAQ
What is the 11th BPS Salary Calculator?
The 11th BPS Salary Calculator is a tool that helps bank employees estimate their revised salary under the 11th Bipartite Settlement.
How much salary hike is expected in 11th BPS?
The average salary hike is around 15% on basic pay, along with changes in DA, HRA, and other allowances.
Is the calculator suitable for all bank employees?
Yes, it works for officers, clerks, and sub-staff across rural, semi-urban, urban, and metro branches.
Do I need to sign up to use the calculator?
No, the calculator is free and doesn’t require any sign-up or login.
Can I use the calculator on mobile?
Yes, the calculator is fully responsive and optimized for mobile users.
Does it include pension deductions like EPF or NPS?
Yes, it includes pension scheme options (EPF or NPS) and calculates net salary accordingly.
How accurate is the 11th BPS Salary Calculator?
It uses official wage hike rates, DA percentages, and allowances for 2025 to give close-to-accurate projections.
Can I compare old and new salary?
Yes, the tool provides side-by-side comparison between 10th and 11th BPS salary structures.
Please do not enter any spam link in comment box. Thank you!