Many aspirants want to know what the SBI clerk salary 2026 will be after the arrival of the 8th Pay Commission. Being an SBI clerk is an ideal career choice for many students due to a high basic pay and additional allowances, along with satisfactory post-retirement benefits.
So, consider a complete breakdown and analysis of the SBI clerk’s remuneration below, provided after in-depth research. Also, learn how the pay scale works and promotions happen with the growth timeline and other crucial aspects!
| Quick Glance at SBI Clerk Salary Break |
| Salary Components | Actual Amount (2025) | Significance |
| Basic Pay | ₹26,730 | Main Growth Engine |
| Gross Salary | ₹46,000 (approx.) | Salary Before Deductions |
| In-Hand Salary | ₹40,000–₹43,000 | Take-Home Amount |
| Maximum Growth Limit | ₹64,480 | Long-Term, Highest Salary |
| Training Salary | ₹26,730 (basic only) | Support for Trainee |
| Note: After the implementation of the 8th pay commission, the starting basic pay of the SBI clerk in 2026 might rise up to ₹30,000. And, it can be as close as ₹75,000 for employees deployed in the mid-level positions. As a result, major allowances such as DA and HRA will also increase, leading to an overall rise in the in-hand salary! |
What is the SBI Clerk Salary?
The starting SBI clerk salary 2025 is ₹26,730, that is, ₹24,050 + 2 advance increments for graduates. However, this is not a final in-hand amount. It is the basic pay without considering various allowances and deductions. The total in-hand salary of a newly joined clerk is typically somewhere around ₹39,000 to ₹42,000, which is much higher compared to the basic pay.
There are basically five layers involved in the calculation of an SBI clerk’s salary, namely, Basic Pay > Allowances > Gross Salary > Deductions > and In-Hand Salary. The basic pay is the fixed factor or a constant, while the others are subject to variation. Additionally, all the annual increments according to the pay scale are added to the same basic pay.
The pay scale that is used to annually amend the SBI clerk basic pay is as follows:
₹24,050-1340/3; ₹28070-1650/3; ₹33020-2000/4; ₹41020-2340/7; ₹57400-4400/1; ₹61800-2680/1; ₹64480.
This formula is explained below in detail.
SBI Clerk Salary Structure
The compensation here has three major components, such as Basic Pay, Allowances, and Deductions, that make up the final SBI clerk salary in hand, as elaborated in the table below.
| S. No. | Components | Value * |
| 1. | Basic Pay | – ₹26,730 for graduates (including 2 advance increments)
– Important, as DA is calculated as a certain percentage of the basic pay
– The higher the basic pay, the higher the DA, leading to a spike in the take-home salary |
| 2. | Allowances | – Dearness Allowance ₹7,161
– House Rent Allowance ₹2,862
– Special Allowance ₹7,083
– Transport Allowance ₹850 |
| 3. | Deductions | – Emp. PF contribution ₹2,793
– Contributory Pension Fund ₹3,351
– Union Association Membership ₹215 |
All these values are taken out of a current employee’s salary slip available in the public domain without personal specifics. The complete calculation of the SBI clerk in hand salary is provided in the following section.
Consider the following table to get the purpose of each allowance that is added to the SBI clerk salary per month before crediting to the receiver’s account.
| Why Do Allowances Exist Besides the SBI Clerk Salary? |
| 1. | Dearness Allowance | Protects from inflation |
| 2. | House Rent Allowance | Allows for comfortable accommodation |
| 3. | Special Allowance | Adjusts exceptional performance |
| 4. | Transport Allowance | Reimburses the incurred travel costs |
SBI employees receive a higher DA because it is a large bank with many branches and exposure to inflation zones. Furthermore, all the deductions are great examples of early investments to secure post-retirement life. However, the in-hand salary of one clerk differs from that of another mainly due to the variation in allowances.
Also Read: CA Salary in India in 2025: What Freshers Earn & Average Pay
SBI Clerk Salary Slip Specimen and Pay Scale Explained
Consider the following SBI clerk salary slip and have a complete idea of the additions and deductions to and from the basic pay. The specimen provided below belongs to an employee who hasn’t completed their first year of service yet. That is why the basic pay doesn’t include any increments yet.
| SBI Clerk Salary Slip |
| Earnings | ₹ | Deductions | ₹ |
Basic Salary
Dearness Allowance
Special Allowance
House Rent Allowance
Special Pay
Transport Allowance | 26,730.00
7,161.93
7,083.45
2,862.83
1,200.00
850.00 | Emp. PF contribution
Contributory Pension Fund
UnionAssociation Membership | 2,793.00
3,351.00
215.00 |
| Total | 45,888 | | 6,359 |
| | SBI Clerk in Hand Salary | 39,529 |
The basic pay is the engine of steady financial growth. First, the basic pay is gradually increased each year as per the pay scale. And, second, DA and HRA get automatically hiked as calculated out of the basic pay, leading to a higher take-home salary eventually.
Let’s understand the SBI clerk pay scale and see how it affects salary increments over the years.
The pay scale: ₹24,050-1340/3; ₹28070-1650/3; ₹33020-2000/4; ₹41020-2340/7; ₹57400-4400/1; ₹61800-2680/1; ₹64480.
Reading this string is very easy. Take the first set of numbers out—₹24,050-1340/3. Here, ₹24,050 is the initial base pay (without considering two advance increments). Next, 1340 is the increment amount to be added to the basic pay each year. Finally, the number 3 is the frequency of increments, i.e., the sum of 1,340 will be added to the basic pay each year only for the first three years of the service.
After 3 years, your salary will become ₹28,070, and from that point, the next part of the SBI Clerk Pay Scale—₹28070-1650/3—will apply with the same calculation logic. |
SBI Clerk Salary Growth Timeline
You might be wondering how much the SBI Clerk Salary after 5 Years would be, or even after 15 years! The following table summarizes the steady but guaranteed growth timeline during employment. This tabularized information is just a simplified version of the pay scale.
| S. No. | Increment Stage | Basic Pay (₹) | Yearly Increment (₹) | Years of Service |
| 1. | SBI clerk starting salary | 24,050 | 1,340 | 3 |
| 2. | After 3 Years | 28,070 | 1,650 | 3 |
| 3. | After 6 years | 33,020 | 2,000 | 4 |
| 4. | SBI clerk salary after 10 years | 41,020 | 2,340 | 7 |
| 5. | After 17 years | 57,400 | 4,400 | 1 |
| 6. | After 18 years | 61,800 | 2,680 | 1 |
| 7. | After 19 years (maximum) | 64,480 | | |
With increments, the SBI clerk starting salary in hand increases significantly due to higher allowances.
Also Read: UPSC Age Limit 2025: A Detailed Guide to Eligibility Criteria
Besides the SBI Clerk Salary, Perks & Benefits of the Job
The major perks and benefits of working as an SBI clerk include various allowances, post-retirement schemes, loan benefits, leave-fare concession, etc. Consider the following for a complete breakdown.
- Dearness Allowance: Adjusts the fixed basic pay to the increasing cost of living, as per the prevailing consumer price index.
- House Rent Allowance: Allows for comfortable accommodation; it varies according to the location of the posting.
- Transport Allowance: Provided to reimburse the travel expenses incurred in the discharge of the duty.
- City Allowance: Often included under the HRA and provided to compensate for the higher cost of living in particular cities that come under the high inflation zones.
- Special Allowance: Supplements the regular salary and leads to an increase in the net take-home or in-hand salary.
- Furniture Allowance: Helps cover the cost of furnishing a residential property.
- Newspaper Allowance: Covers newspaper expenses.
- Medical Allowance: Provides for medical needs and emergencies.
- Reimbursement: Provided to cover the phone and telephone bills.
- Special Pay: Given to all new SBI clerk recruits to supplement their comparatively lower initial basic pay.
- Provident Fund: Forms a major part of retirement savings.
- Pension: Makes the after-retirement life easy.
- Leave-Fare Concession: Reimburses employees for visiting their hometowns with or without their families during leave.
- Medical Insurance: Provides for financially demanding medical emergencies.
Other advantages are low-interest loan facilities and growth opportunities via internal assessments, which are explained in one of the following sections.
Experiences of SBI Clerks After Selection
After getting selected and receiving two months of the SBI clerk salary, Annual_Bread4466 shares their experience working as an SBI clerk. The following post reflects their positive views.
Furthermore, it is not that difficult to get selected as an SBI clerk, as also corroborated by a recently hired employee, Necessary_File1199.
If you are preparing for the SBI clerk examination, you can take this post as motivation. Many high-scoring graduates have found that all the assessment rounds are effortless once you have mastered the syllabus and speed well. You can find all the information regarding the online registration & recruitment in the SBI’s 2025 Junior Associate / Clerk notification, as per the official website of the bank.
Also Read: IPS Salary: A Complete Guide to Pay Scale, Ranks, and Perks
RBI, IBPS, & SBI Clerk Salary Comparison Table
This section explores the worth of the SBI bank clerk salary against the remuneration provided to clerks working in RBI and IBPS banks.
| Salary Comparison |
| Particulars | SBI Clerk | RBI Assistant | IBPS Clerk |
| Basic Pay | ₹26,730 | ₹20,700 | ₹24,050 |
| Gross Salary | ₹45,888 | ₹45,050 | ₹40,720 |
| In-hand Salary | ₹39,529 | ₹40,000 | ₹37,734 |
When comparing the basic pay, the highest one is provided to an SBI clerk. Furthermore, the in-hand salary of an SBI clerk is also higher than that of an IBPS clerk.
How Does the Promotion Work for Clerks at SBI?
There are two types of SBI Clerk promotion opportunities, such as In-Cadre Promotion and Promotion to the Officer cadre. Learn about these two growth channels available to an SBI clerk below.
In-Cadre Promotion
It is a time-bound promotion scheme. Here, the employee goes up the ladder according to the home postings. This time-bound growth has three major types. Consider them below.
- After 10 years of service, a clerk becomes a Senior Assistant with a special allowance of 1,800 rupees.
- After 20 years of service, promotion to Senior Assistant with a special allowance of 2,500 rupees.
- After 30 years of service, promotion to Senior Special Assistant with a special allowance of 2,500 rupees.
Promotion to Office Cadre
Promotion to the office cadre is a type of growth that is also available to the SBI clerks, but only on the basis of internal assessment and the resultant performance (or merit). For that, the aspirant must have passed JAllB and CAIIB exams with the internal written test and personal interview.
Whoever has this qualification as an SBI clerk is eligible to be promoted to the Trainee Officer post. The probation period spans 2 years before the trained assistants are either posted to the Middle Management Grade (Scale 2) or deployed back to the clerical cadre. This assessment-based promotion is also a great opportunity for SBI clerks to grow internally and get promoted to higher posts.
Also Read: IFS Officer Salary: Basic Pay, Highest Range, Monthly In-Hand, Allowances, and More!
Key Takeaways
- The SBI clerk salary per month in-hand is around ₹40,000.
- The pay scale ensures steady growth up to 19 years.
- Dearness Allowance (DA) is the main growth factor in the salary breakup, as calculated out of the basic pay (including increments).
- Finally, once selected as an SBI clerk, there is not just time-bound growth available but also a special opportunity for willing employees to move up the ladder quickly with internal assessment.
FAQs
Ans: SBI clerk salary is higher than clerks working in the other banks because of higher allowances, such as DA, HRA, and fixed Special Allowances. These factors make the salary higher.
Ans: Dearness Allowance is updated quarterly to offset the effects of the perpetually rising inflation rates. This adjustment is made according to the Consumer Price Index.
Ans: House Rent Allowance varies from one city to another because the cost of accommodation isn’t the same across all cities. A place in the inflation zone often requires a higher cost for residence than the others with affordable prices.
Ans: Increments are calculated according to the pay scale formula, which is provided and explained in this article in detail.
Ans: No, the highest an SBI clerk can earn is around ₹65,000 on the condition that the employee has completed 19 years of service.
