IBPS Clerk Salary 2026: Quick Answer
As per the official IBPS CRP CSA-XVI notification (vacancies of 2027-28), an IBPS Clerk (Customer Service Associate) starts on a basic pay of ₹24,050 a month in the scale ₹24,050-1,340/3-28,070-1,650/3-33,020-2,000/4-41,020-2,340/7-57,400-4,400/1-61,800-2,680/1-64,480. On top of basic pay, the clerk gets allowances and perquisites as per the rules of the bank they are allotted to.
Key takeaway: The notification fixes only the pay scale. DA, HRA and other allowances are paid by the allotted bank under its own rules, so the exact in-hand figure depends on the bank and the place of posting. We do not publish a made-up in-hand number.
Official source: IBPS CRP CSA-XVI notification (PDF), dated 01.08.2026, on ibps.in.
IBPS Clerk Salary 2026 at a Glance
| Item | Official position |
|---|---|
| Post | Customer Service Associate (CSA), clerical cadre |
| Pay scale | ₹24,050-1,340/3-28,070-1,650/3-33,020-2,000/4-41,020-2,340/7-57,400-4,400/1-61,800-2,680/1-64,480 |
| Starting basic pay (start of scale) | ₹24,050 |
| Maximum basic pay | ₹64,480 |
| Allowances and perks | As per the rules of the participating bank in force from time to time |
| Banks | Bank of Baroda, Bank of India, Bank of Maharashtra, Canara Bank, Central Bank of India, Indian Bank, Indian Overseas Bank, Punjab National Bank, Punjab & Sind Bank, UCO Bank, Union Bank of India |
| Posting | State/UT-wise: you apply for vacancies of one State/UT only |
| Before joining | Local Language Proficiency Test (qualifying) for the chosen State/UT |
IBPS Clerk Pay Scale Explained (₹24,050 to ₹64,480)
The pay-scale string lists each increment and how many times it is given:
| Stage | Increment | Number of increments | Basic pay at end of stage |
|---|---|---|---|
| Start of scale | — | — | ₹24,050 |
| Stage 1 | ₹1,340 | 3 | ₹28,070 |
| Stage 2 | ₹1,650 | 3 | ₹33,020 |
| Stage 3 | ₹2,000 | 4 | ₹41,020 |
| Stage 4 | ₹2,340 | 7 | ₹57,400 |
| Stage 5 | ₹4,400 | 1 | ₹61,800 |
| Stage 6 | ₹2,680 | 1 | ₹64,480 |
Check: 24,050 + (1,340 × 3) = 28,070; + (1,650 × 3) = 33,020; + (2,000 × 4) = 41,020; + (2,340 × 7) = 57,400; + 4,400 = 61,800; + 2,680 = 64,480. That is 19 increments from the bottom to the top of the scale.
IBPS Clerk Basic Pay Step by Step
| Increments earned | Basic pay |
|---|---|
| 0 (start of scale) | ₹24,050 |
| 1 | ₹25,390 |
| 2 | ₹26,730 |
| 3 | ₹28,070 |
| 4 | ₹29,720 |
| 5 | ₹31,370 |
| 6 | ₹33,020 |
| 7 | ₹35,020 |
| 8 | ₹37,020 |
| 9 | ₹39,020 |
| 10 | ₹41,020 |
| 11 | ₹43,360 |
| 12 | ₹45,700 |
| 17 | ₹57,400 |
| 18 | ₹61,800 |
| 19 (top of scale) | ₹64,480 |
Every step follows the official scale. How often increments are given, and whether any advance increments apply on joining, is decided by the allotted bank's service rules, so read the table as basic pay per increment, not per calendar year.
IBPS Clerk Salary Structure: What Is Added to Basic Pay
The CSA "will be eligible for allowances & perquisites as per rules of the Participating Bank in force from time to time" (Compensation clause of the notification). In practice, the bank's offer letter is where you will see:
- Dearness Allowance (DA), which changes periodically.
- House Rent Allowance or bank-leased accommodation, which depends on the city of posting.
- Other allowances and perquisites such as special allowance, medical benefits and leave fare concession, as the bank's rules provide.
Because these are bank and city specific, two clerks selected in the same exam can draw different gross pay.
How does it compare with SBI Clerk?
SBI recruits its clerks separately, but its Junior Associate pay scale is the same ₹24,050 to ₹64,480 string. SBI's own 2026 advertisement states starting basic pay of ₹26,730 (with two advance increments for graduates) and total starting emoluments of around ₹46,000 a month at a metro like Mumbai. That figure is SBI's, not IBPS's, but it shows the order of magnitude. See SBI Clerk salary 2026.
IBPS Clerk Job Conditions Linked to Salary
| Condition | What the notification says |
|---|---|
| State-wise recruitment | You can apply for vacancies in one State/UT only and are considered only for that State/UT |
| Local Language Proficiency Test | You must read, write, speak and understand the opted local language. A 10th (or higher) mark sheet showing you studied it exempts you; otherwise a qualifying test is held after Mains/provisional allotment and before joining. Failing it means no appointment |
| Merit | Only Online Main exam marks count for the final merit (Main is out of 200, converted to 100 for allotment) |
| Reserve list | About 30% of vacancies per category may be kept as a reserve list, valid for one year |
| Allotment | Merit-cum-preference; no change of bank once allotted |
IBPS Clerk Salary FAQs
What is the starting basic pay of an IBPS Clerk in 2026?
₹24,050 per month at the start of the official scale, as per the CRP CSA-XVI notification.
What is the maximum basic pay of an IBPS Clerk?
₹64,480, reached after 19 increments in the official scale.
What is the IBPS Clerk in-hand salary?
The notification does not give an in-hand figure. Basic pay is ₹24,050 and the rest (DA, HRA and other allowances) depends on the allotted bank's rules and the city of posting.
Is the IBPS Clerk salary the same in every bank?
The basic pay scale is the same for all participating banks. Allowances and perquisites follow each bank's own rules, so gross pay can differ.
Do IBPS Clerks have to pass a language test?
Yes, unless their 10th (or higher) mark sheet shows they studied the opted local language. The test is qualifying and is held before joining.
Is the IBPS Clerk pay scale the same as SBI Clerk?
Yes, both use the ₹24,050 to ₹64,480 scale. SBI's advertisement adds two advance increments for graduates, taking its starting basic to ₹26,730.
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