The 12th Bipartite Settlement pay scale chart sets the basic pay of every workman and officer in a public sector bank from 1 November 2022. This page carries the complete chart — not just the first stage and the maximum, but every annual increment stage for clerical staff, subordinate staff and Officer Scale I through Scale VII, together with the stagnation increments that follow the scale maximum.
The same table is called the 12th BPS basic pay chart or the 12th Bipartite Settlement salary chart in different places. They are one thing: the ladder of basic pay stages a bank employee moves up, one increment a year.
The figures are those recorded in the 12th Bipartite Settlement and the 9th Joint Note, both dated 8 March 2024. Basic pay does not move once a settlement is signed, so this basic pay chart is final for the whole 2022 to 2027 period.
12th Bipartite Settlement pay scale chart — quick facts
- Effective date: 1 November 2022
- Signed on: 8 March 2024, workmen settlement and officers’ joint note together
- Period covered: 1 November 2022 to 31 October 2027
- Dearness allowance merged into basic pay: 30.38 per cent, at CPI-IW index 123.03 on the 2016=100 series
- Loading added on top of the merged pay: 3.22 per cent
- Clerical scale: ₹24,050 to ₹64,480 across 20 stages
- Officer Scale I: ₹48,480 to ₹85,920 across 17 stages
- Highest basic pay reachable: ₹1,86,880, in Officer Scale VII after all stagnation increments
12th Bipartite Settlement basic pay chart at a glance
Every pay scale in the settlement, showing where the scale begins and where it ends before stagnation increments start.
| Cadre or grade | First stage | Scale maximum |
|---|---|---|
| Clerical staff | ₹24,050 | ₹64,480 |
| Subordinate staff | ₹19,500 | ₹37,815 |
| Officer Scale I (JMGS-I) | ₹48,480 | ₹85,920 |
| Officer Scale II (MMGS-II) | ₹64,820 | ₹93,960 |
| Officer Scale III (MMGS-III) | ₹85,920 | ₹1,05,280 |
| Officer Scale IV (SMGS-IV) | ₹1,02,300 | ₹1,20,940 |
| Officer Scale V (SMGS-V) | ₹1,20,940 | ₹1,35,020 |
| Officer Scale VI (TEGS-VI) | ₹1,40,500 | ₹1,56,500 |
| Officer Scale VII (TEGS-VII) | ₹1,56,500 | ₹1,73,860 |
A newly recruited clerk joins at ₹24,050 basic pay. A probationary officer joins Scale I at ₹48,480. Those two figures are the ones most often quoted wrongly, because the 11th Bipartite Settlement numbers are still in wide circulation.
The 12th Bipartite Settlement fitment factor
The settlement does not invent fresh numbers. It takes the 11th Bipartite Settlement scale, merges the dearness allowance that was payable into basic pay, then adds a loading on top:
New basic pay = old basic pay × (1 + DA merged) × (1 + loading)
For the 12th Bipartite Settlement that is 1.3038 × 1.0322, which gives a fitment factor of roughly 1.3456. There is no single fitment factor printed in the settlement; it is the product of those two numbers, and this is what people mean when they ask what the 12th BPS fitment factor is. The table shows the fitment factor at work on the first stage of each scale.
| Cadre or grade | 11th BPS first stage | 12th BPS first stage |
|---|---|---|
| Clerical staff | ₹17,900 | ₹24,050 |
| Subordinate staff | ₹14,500 | ₹19,500 |
| Officer Scale I (JMGS-I) | ₹36,000 | ₹48,480 |
| Officer Scale II (MMGS-II) | ₹48,170 | ₹64,820 |
| Officer Scale III (MMGS-III) | ₹63,840 | ₹85,920 |
| Officer Scale IV (SMGS-IV) | ₹76,010 | ₹1,02,300 |
| Officer Scale V (SMGS-V) | ₹89,890 | ₹1,20,940 |
| Officer Scale VI (TEGS-VI) | ₹1,04,240 | ₹1,40,500 |
| Officer Scale VII (TEGS-VII) | ₹1,16,120 | ₹1,56,500 |
The factor is not applied stage by stage. Each scale was rebuilt with rounded increment amounts after the first stage was fixed, which is why the number of stages and the size of the increments differ from the 11th Bipartite Settlement even where the opening figure looks like a clean multiplication.
Where the 30.38 per cent comes from
Under the 11th Bipartite Settlement, dearness allowance moved by 0.07 per cent of pay for every four points of the CPI-IW index above 6352 on the 1960=100 series. At index 8088 — the point chosen for the merger, equal to 123.03 on the current 2016=100 series — the arithmetic is (8088 − 6352) ÷ 4 × 0.07, which gives 30.38 per cent. That is the rate merged into basic pay.
Clerical staff pay scale chart — every stage
Scale notation: 24050 - 1340/3 - 28070 - 1650/3 - 33020 - 2000/4 - 41020 - 2340/7 - 57400 - 4400/1 - 61800 - 2680/1 - 64480
Read that as: start at ₹24,050, then three annual increments of ₹1,340 each taking you to ₹28,070, then three of ₹1,650, and so on. The full ladder:
| Stage | Basic pay | Next increment |
|---|---|---|
| 1 | ₹24,050 | ₹1,340 |
| 2 | ₹25,390 | ₹1,340 |
| 3 | ₹26,730 | ₹1,340 |
| 4 | ₹28,070 | ₹1,650 |
| 5 | ₹29,720 | ₹1,650 |
| 6 | ₹31,370 | ₹1,650 |
| 7 | ₹33,020 | ₹2,000 |
| 8 | ₹35,020 | ₹2,000 |
| 9 | ₹37,020 | ₹2,000 |
| 10 | ₹39,020 | ₹2,000 |
| 11 | ₹41,020 | ₹2,340 |
| 12 | ₹43,360 | ₹2,340 |
| 13 | ₹45,700 | ₹2,340 |
| 14 | ₹48,040 | ₹2,340 |
| 15 | ₹50,380 | ₹2,340 |
| 16 | ₹52,720 | ₹2,340 |
| 17 | ₹55,060 | ₹2,340 |
| 18 | ₹57,400 | ₹4,400 |
| 19 | ₹61,800 | ₹2,680 |
| 20 | ₹64,480 | — |
A clerk reaches the scale maximum of ₹64,480 after 19 annual increments. Note the jump near the top: the increment from stage 18 to stage 19 is ₹4,400, the single biggest step anywhere in the clerical scale and nearly double the one before it.
Subordinate staff pay scale chart — every stage
Scale notation: 19500 - 665/4 - 22160 - 830/5 - 26310 - 990/4 - 30270 - 1170/3 - 33780 - 1345/3 - 37815
| Stage | Basic pay | Next increment |
|---|---|---|
| 1 | ₹19,500 | ₹665 |
| 2 | ₹20,165 | ₹665 |
| 3 | ₹20,830 | ₹665 |
| 4 | ₹21,495 | ₹665 |
| 5 | ₹22,160 | ₹830 |
| 6 | ₹22,990 | ₹830 |
| 7 | ₹23,820 | ₹830 |
| 8 | ₹24,650 | ₹830 |
| 9 | ₹25,480 | ₹830 |
| 10 | ₹26,310 | ₹990 |
| 11 | ₹27,300 | ₹990 |
| 12 | ₹28,290 | ₹990 |
| 13 | ₹29,280 | ₹990 |
| 14 | ₹30,270 | ₹1,170 |
| 15 | ₹31,440 | ₹1,170 |
| 16 | ₹32,610 | ₹1,170 |
| 17 | ₹33,780 | ₹1,345 |
| 18 | ₹35,125 | ₹1,345 |
| 19 | ₹36,470 | ₹1,345 |
| 20 | ₹37,815 | — |
Subordinate staff reach ₹37,815 at the top of the scale. Peons, watchmen, sweepers, liftmen and other subordinate grades all sit on this one scale. What separates them is not the scale but the graduation pay, special pay and other additions drawn on top of it.
Officer pay scale chart — Scale I to Scale VII
Officer scales overlap deliberately, so that an officer promoted into a higher scale is fitted at the next stage above present basic pay rather than dropping to the bottom of the new scale. Scale I ends at ₹85,920, which is exactly where Scale III begins; Scale II ends at ₹93,960, the same figure a clerk reaches after all stagnation increments.
Officer Scale I (JMGS-I) pay scale
Scale notation: 48480 - 2000/7 - 62480 - 2340/2 - 67160 - 2680/7 - 85920
| Stage | Basic pay | Next increment |
|---|---|---|
| 1 | ₹48,480 | ₹2,000 |
| 2 | ₹50,480 | ₹2,000 |
| 3 | ₹52,480 | ₹2,000 |
| 4 | ₹54,480 | ₹2,000 |
| 5 | ₹56,480 | ₹2,000 |
| 6 | ₹58,480 | ₹2,000 |
| 7 | ₹60,480 | ₹2,000 |
| 8 | ₹62,480 | ₹2,340 |
| 9 | ₹64,820 | ₹2,340 |
| 10 | ₹67,160 | ₹2,680 |
| 11 | ₹69,840 | ₹2,680 |
| 12 | ₹72,520 | ₹2,680 |
| 13 | ₹75,200 | ₹2,680 |
| 14 | ₹77,880 | ₹2,680 |
| 15 | ₹80,560 | ₹2,680 |
| 16 | ₹83,240 | ₹2,680 |
| 17 | ₹85,920 | — |
Officer Scale II (MMGS-II) pay scale
Scale notation: 64820 - 2340/1 - 67160 - 2680/10 - 93960
| Stage | Basic pay | Next increment |
|---|---|---|
| 1 | ₹64,820 | ₹2,340 |
| 2 | ₹67,160 | ₹2,680 |
| 3 | ₹69,840 | ₹2,680 |
| 4 | ₹72,520 | ₹2,680 |
| 5 | ₹75,200 | ₹2,680 |
| 6 | ₹77,880 | ₹2,680 |
| 7 | ₹80,560 | ₹2,680 |
| 8 | ₹83,240 | ₹2,680 |
| 9 | ₹85,920 | ₹2,680 |
| 10 | ₹88,600 | ₹2,680 |
| 11 | ₹91,280 | ₹2,680 |
| 12 | ₹93,960 | — |
Officer Scale III (MMGS-III) pay scale
Scale notation: 85920 - 2680/5 - 99320 - 2980/2 - 105280
| Stage | Basic pay | Next increment |
|---|---|---|
| 1 | ₹85,920 | ₹2,680 |
| 2 | ₹88,600 | ₹2,680 |
| 3 | ₹91,280 | ₹2,680 |
| 4 | ₹93,960 | ₹2,680 |
| 5 | ₹96,640 | ₹2,680 |
| 6 | ₹99,320 | ₹2,980 |
| 7 | ₹1,02,300 | ₹2,980 |
| 8 | ₹1,05,280 | — |
Officer Scale IV (SMGS-IV) pay scale
Scale notation: 102300 - 2980/4 - 114220 - 3360/2 - 120940
| Stage | Basic pay | Next increment |
|---|---|---|
| 1 | ₹1,02,300 | ₹2,980 |
| 2 | ₹1,05,280 | ₹2,980 |
| 3 | ₹1,08,260 | ₹2,980 |
| 4 | ₹1,11,240 | ₹2,980 |
| 5 | ₹1,14,220 | ₹3,360 |
| 6 | ₹1,17,580 | ₹3,360 |
| 7 | ₹1,20,940 | — |
Officer Scale V (SMGS-V) pay scale
Scale notation: 120940 - 3360/2 - 127660 - 3680/2 - 135020
| Stage | Basic pay | Next increment |
|---|---|---|
| 1 | ₹1,20,940 | ₹3,360 |
| 2 | ₹1,24,300 | ₹3,360 |
| 3 | ₹1,27,660 | ₹3,680 |
| 4 | ₹1,31,340 | ₹3,680 |
| 5 | ₹1,35,020 | — |
Officer Scale VI (TEGS-VI) pay scale
Scale notation: 140500 - 4000/4 - 156500
| Stage | Basic pay | Next increment |
|---|---|---|
| 1 | ₹1,40,500 | ₹4,000 |
| 2 | ₹1,44,500 | ₹4,000 |
| 3 | ₹1,48,500 | ₹4,000 |
| 4 | ₹1,52,500 | ₹4,000 |
| 5 | ₹1,56,500 | — |
Officer Scale VII (TEGS-VII) pay scale
Scale notation: 156500 - 4340/4 - 173860
| Stage | Basic pay | Next increment |
|---|---|---|
| 1 | ₹1,56,500 | ₹4,340 |
| 2 | ₹1,60,840 | ₹4,340 |
| 3 | ₹1,65,180 | ₹4,340 |
| 4 | ₹1,69,520 | ₹4,340 |
| 5 | ₹1,73,860 | — |
Stagnation increments after the scale maximum
Reaching the top of a scale does not stop basic pay rising. Every cadre draws stagnation increments at fixed intervals, which carry basic pay well above the printed maximum. These are what a plain pay scale chart leaves out.
| Cadre or grade | Stagnation increments | Basic pay after all of them |
|---|---|---|
| Clerical staff | 11 × ₹2,680 | ₹93,960 |
| Subordinate staff | 11 × ₹1,345 | ₹52,610 |
| Officer Scale I (JMGS-I) | 2 × ₹2,680 + 5 × ₹2,980 | ₹1,06,180 |
| Officer Scale II (MMGS-II) | 7 × ₹2,980 | ₹1,14,820 |
| Officer Scale III (MMGS-III) | 4 × ₹2,980 + 4 × ₹3,360 | ₹1,30,640 |
| Officer Scale IV (SMGS-IV) | 1 × ₹3,360 + 4 × ₹3,680 | ₹1,39,020 |
| Officer Scale V (SMGS-V) | 4 × ₹4,000 | ₹1,51,020 |
| Officer Scale VI (TEGS-VI) | 2 × ₹4,000 + 1 × ₹4,340 | ₹1,68,840 |
| Officer Scale VII (TEGS-VII) | 3 × ₹4,340 | ₹1,86,880 |
So a clerk with long service reaches ₹93,960 basic pay, not the ₹64,480 the scale shows. Officer Scale I runs to ₹1,06,180. Clerical and subordinate stagnation increments are released at two or three year intervals depending on the stage reached; officer stagnation increments follow the intervals set out in the joint note.
What the pay scale chart does not include
Basic pay is one line on the pay slip. Three large components are calculated from it and sit on top.
Special allowance
Special allowance is a fixed percentage of basic pay, and dearness allowance is payable on special allowance as well, which makes it the second largest element of pay after basic itself. Special allowance also counts for provident fund but not for superannuation, which is why two employees on the same basic pay can show different retirement benefits. The 12th Bipartite Settlement special allowance rates:
| Cadre or grade | Special allowance on basic pay |
|---|---|
| Clerical staff, Subordinate staff, Officer Scale I (JMGS-I) | 26.50 per cent |
| Officer Scale II (MMGS-II), Officer Scale III (MMGS-III) | 28.30 per cent |
| Officer Scale IV (SMGS-IV), Officer Scale V (SMGS-V) | 30.50 per cent |
| Officer Scale VI (TEGS-VI), Officer Scale VII (TEGS-VII) | 31.50 per cent |
Under the 11th Bipartite Settlement the special allowance was 16.40 per cent for workmen and Officer Scale I to III, rising to 20.00 per cent for Scale VI and VII. The 12th Bipartite Settlement raised every one of those rates, so special allowance grew faster than basic pay did.
Dearness allowance
1.00 per cent of pay for every point of the CPI-IW index above 123.03 on the 2016=100 series, revised four times a year with effect from February, May, August and November. Because it changes every quarter, no printed chart can give a current gross salary.
House rent allowance
The 12th Bipartite Settlement made workmen house rent allowance a flat 10.25 per cent of pay with no city classification at all, which is a change from every earlier settlement. Officers remain on an area based house rent allowance: 10 per cent in Major A cities, 9 per cent in Area I and Goa, 8 per cent elsewhere. House rent allowance is calculated on basic pay plus special pay, not on the gross.
To put the current quarter’s dearness allowance and these allowances on top of any basic pay figure from this chart, use the 12th Bipartite Settlement salary and arrears calculator.
Download the 12th Bipartite Settlement salary chart PDF
The whole chart above — nine cadres, every stage, stagnation increments, special allowance rates and the fitment working — is available as one printable file. It is the 12th Bipartite Settlement pay scale chart and basic pay chart in a single PDF, four pages, nothing to sign up for.
Download the 12th Bipartite Settlement pay scale chart PDF — 4 pages, 82 KB, no sign-in needed.
For the settlement text rather than a chart, go to the signed documents themselves. The Indian Banks’ Association publishes the settlement and the joint note, and the Labour Bureau publishes the monthly CPI-IW index numbers that drive dearness allowance.
Four mistakes people make reading the 12th BPS pay chart
Quoting the 11th Bipartite Settlement scale as the 12th
A clerical scale written as ₹17,900 to ₹47,920 is the 11th Bipartite Settlement, effective 1 November 2017. The 12th Bipartite Settlement clerical scale is ₹24,050 to ₹64,480. An officer scale shown as ₹36,000 to ₹63,840 is likewise the 11th: under the 12th, Scale I is ₹48,480 to ₹85,920.
Reading a scale maximum as a starting pay
₹1,73,860 is the maximum of Officer Scale VII, not what a Scale VII officer is appointed on. Scale VII begins at ₹1,56,500. The same mistake turns ₹64,480 into a clerk’s starting salary.
Using 1 November 2017 as the effective date
1 November 2017 belongs to the 11th Bipartite Settlement. The 12th Bipartite Settlement takes effect from 1 November 2022 and runs to 31 October 2027.
Treating pre-signing projections as the final chart
Before March 2024 many charts circulated showing expected clerical basic pay of around ₹22,500 to ₹23,500 and expected Scale I of around ₹41,500. Those rested on an assumed 15 per cent rise in the wage bill. The signed figures came out higher. Any chart still carrying those ranges, or describing the settlement as awaited or under negotiation, predates 8 March 2024.
When this pay scale chart changes next
Not during the settlement period. The next revision is the 13th Bipartite Settlement, effective 1 November 2027, which will merge whatever dearness allowance is payable at that point into basic pay and rebuild the scales by the same method. You can model the likely 13th BPS scales with the 13th Bipartite Settlement projection calculator.
The 11th Bipartite Settlement scales still matter for arrears checks, pension calculation and seniority comparisons; those are in the 11th BPS salary calculator. For where the current revision stands and what is being paid now, see bank employees salary hike and the next revision.
Frequently asked questions
What is the 12th Bipartite Settlement pay scale for clerks?
The clerical scale runs from ₹24,050 to ₹64,480 across 20 stages, written as 24050 - 1340/3 - 28070 - 1650/3 - 33020 - 2000/4 - 41020 - 2340/7 - 57400 - 4400/1 - 61800 - 2680/1 - 64480. With all stagnation increments a clerk reaches ₹93,960 basic pay.
What is the Officer Scale I basic pay under the 12th Bipartite Settlement?
Officer Scale I, or JMGS-I, starts at ₹48,480 and runs to ₹85,920 across 17 stages. After stagnation increments it reaches ₹1,06,180.
What is the subordinate staff pay scale in the 12th Bipartite Settlement?
Subordinate staff start at ₹19,500 and reach ₹37,815 at the top of the scale, across 20 stages. Stagnation increments take basic pay to ₹52,610.
What is the fitment factor in the 12th Bipartite Settlement?
Roughly 1.3456. It is 30.38 per cent dearness allowance merged into basic pay, then 3.22 per cent loading on top: 1.3038 multiplied by 1.0322.
How much dearness allowance was merged into basic pay?
30.38 per cent, the rate payable at CPI-IW index 123.03 on the 2016=100 series, which is 8088 on the older 1960=100 series.
From what date is the 12th Bipartite Settlement pay scale effective?
1 November 2022. The settlement and the officers joint note were both signed on 8 March 2024, which is why the first revised payment carried arrears with it.
Does the 12th BPS pay scale chart change every quarter?
No. Basic pay is fixed for the entire settlement period to 31 October 2027. What changes every quarter is dearness allowance, which is paid on top of basic pay and revised with effect from February, May, August and November.
What is a stagnation increment?
An increment released after an employee has reached the maximum of the scale, so that basic pay keeps rising. Clerical staff get 11 of them under the 12th Bipartite Settlement, Officer Scale I gets 7, and Officer Scale VII gets 3.
Is there a PDF of the 12th Bipartite Settlement salary chart?
Yes. A printable PDF covering all nine cadre scales, every stage and the stagnation increments is linked on this page. The signed settlement text itself is published by the Indian Banks Association.
Where can I get the 12th Bipartite Settlement basic pay chart PDF?
The basic pay chart PDF is linked on this page. It carries all nine cadre scales stage by stage, the stagnation increments and the special allowance rates, and is the same salary chart shown above in printable form.
Is the 12th BPS pay scale chart the same as the basic pay chart?
Yes. Pay scale chart, basic pay chart and salary chart all describe the same table of basic pay stages. A salary chart that also shows dearness allowance, special allowance and house rent allowance is a gross salary chart, which changes every quarter because dearness allowance changes.
What is the highest basic pay under the 12th Bipartite Settlement?
₹1,86,880, which is Officer Scale VII at the top of the scale plus all 3 stagnation increments. The printed Scale VII maximum is ₹1,73,860.
This chart is maintained by HR Calcy. Basic pay figures are reproduced from the 12th Bipartite Settlement and the 9th Joint Note dated 8 March 2024 and are final for the settlement period ending 31 October 2027.