The State Bank of India (SBI) Clerk job is one of the most in-demand positions among banking aspirants in India. It offers a good salary package, attractive perks and allowances, and excellent career growth opportunities.
If you’re preparing for SBI Clerk Recruitment 2025, this article will give you a detailed breakdown of the salary structure, in-hand salary, and benefits that come with the job.
Table of Contents
What is an SBI Clerk?
The SBI Clerk (also known as Junior Associate) is responsible for customer interactions, handling transactions, and performing clerical duties in SBI branches across India.
For 2025, SBI is offering a basic pay of ₹26,730 (₹24,050 + two advance increments for graduates). The total gross salary can go up to ₹46,000 per month, including allowances.
SBI Clerk Salary Structure 2025
The salary of an SBI Clerk is based on the SBI pay scale and includes annual increments.
| Component | Details |
| Pay Scale | ₹24,050 – 1340/3 – 28,070 – 1650/3 – 33,020 – 2000/4 – 41,020 – 2340/7 – 57,400 – 4400/1 – 61,800 – 2680/1 – 64,480 |
| Starting Basic Pay | ₹26,730 (Rs.24050/- including two advance increments for graduates) |
| Gross Salary | ₹46,000 (Approx.) |
| Net In-Hand Salary | ₹42,327 (Approx.) |
The gross salary includes various allowances, which makes SBI Clerk one of the highest paid entry-level banking jobs in India and it is slightly lower than SBI PO.
SBI Clerk Allowances & Perks
Along with the basic salary, SBI Clerks receive several allowances that enhance their overall earnings. These include:
- Dearness Allowance (DA)
- House Rent Allowance (HRA)
- Transport Allowance (TA)
- Special Allowance
- Medical Allowance
- City Allowance
- Newspaper Allowance
- Reimbursement of Mobile & Telephone Bills
- Provident Fund & Pension under NPS (New Pension Scheme)
- Leave Travel Allowance (LTA)
- Furniture Allowance
- Other facilities as per bank policy
SBI Clerk In-Hand Salary 2025
After deductions like NPS, PF, and taxes, the final in-hand salary is ₹42,327 (approximately).
| SBI Clerk Salary Slip 2025 | |
| Particulars | Amount (Approx.) |
| Basic Pay | ₹26,730 |
| Dearness Allowance (DA) | ₹6,168 |
| House Rent Allowance (HRA) | ₹2,862 |
| Transport Allowance (TA) | ₹850 |
| Special Allowance | ₹7,083 |
| Special Pay | ₹1,200 |
| Gross Salary | ₹46,000 |
| Deductions (NPS, PF, Tax, etc.) | ₹3,673 |
| Net In-Hand Salary | ₹42,327 |
SBI Clerk Salary After 5 Years
| Duration | Basic Pay (₹) | Gross Salary (₹) (Approx.) | In-Hand Salary (₹) (Approx.) |
| Current Salary | ₹26,730 | ₹46,000 | ₹42,327 |
| After 5 Years | ₹31,370 | ₹53,985 | ₹49,674 |
Thus, the in-hand salary after 5 years increases significantly due to increment in basic pay and allowances.
SBI Clerk Training Period
- The probation period is 6 months.
- Candidates must complete e-learning lessons during this period.
- Performance is evaluated periodically, and failure to complete training may result in an extended probation period.
During training, SBI Clerks receive basic pay of Rs.26730/- (Rs.24050/- plus two advance increments admissible to graduates).
SBI Clerk Work Timings & Work Pressure
SBI Clerks generally work from 10 AM to 5 PM, but their working hours may extend during peak business hours or increased workload. The work pressure varies depending on the branch location, customer base, and assigned targets. In busy urban branches, clerks may handle a high volume of transactions daily, whereas in rural branches, the workload might be lighter. Additionally, some clerks are required to meet cross-selling targets for bank products like loans, insurance, and credit cards, which can add to the pressure.
SBI Clerk Career Growth & Promotion
SBI Clerks have excellent career growth opportunities through internal exams and seniority-based promotions.
1. In-Cadre Promotion (Clerical Level Promotions)
- After 10 years: Promotion to Senior Assistant (₹1,800 special allowance).
- After 20 years: Promotion to Special Assistant (₹2,500 special allowance).
- After 30 years: Promotion to Senior Special Assistant (₹3,500 special allowance).
2. Promotion to Officer Cadre
- After 3 years: Eligible for Trainee Officer (TO) post (through exams & JAIIB/CAIIB qualification).
- After 6 years (Fast Track) / 12 years (Normal Track): Promotion to Junior Management Grade (Scale 1 Officer).
If you clear JAIIB & CAIIB exams, you can get faster promotions and salary hikes.
SBI Clerk Job Profile & Responsibilities
SBI Clerks, also known as Junior Associates (Customer Support & Sales), play a vital role in banking operations. Their job includes customer service, cash handling, and administrative work.
1. Customer Service & Banking Transactions
- Assisting customers with account openings, deposits, withdrawals, and cheque clearing.
- Helping customers with RTGS/NEFT transactions, demand drafts, and fund transfers.
- Resolving customer queries related to loans, bank policies, and account issues.
Providing passbook updates, issuing cheque books, and handling KYC compliance.
2. Cash Handling & Payment Transactions
- Receiving and processing cash deposits, loan repayments, and bill payments.
- Issuing bank drafts, pay orders, and traveler’s cheques.
- Handling cash counter operations and verifying transactions for accuracy.
3. Back-End Office Work
- Maintaining daily transaction records, preparing financial statements, and verifying reports.
- Performing data entry tasks and updating customer information in the system.
- Assisting branch managers and officers with administrative and clerical work.
4. Cross-Selling & Marketing
- Promoting and selling banking products like loans, credit cards, fixed deposits, and insurance.
- Assisting customers in selecting the best financial services suited to their needs.
5. Loan Processing & Account Management
- Handling loan applications, verifying documents, and processing approvals.
- Managing loan disbursement and EMI collection.
- Assisting customers in updating KYC details and verifying account credentials.
6. SBI Clerk Special Roles
Depending on branch requirements, SBI Clerks may have specialized roles:
- Single Window Operator (SWO) – Handling cash transactions, cheque clearing, and issuing receipts.
- Head Cashier (HC) – Managing cash flow, verifying transactions, and assisting junior clerks.
- Special Assistant (SA) – Checking work done by junior clerks and issuing financial instruments.
- Universal Teller (UT) – Processing customer requests, issuing remittance instruments, and account verification.
- Agricultural Assistant – Assisting farmers with loan applications, farm inspections, and financial advice.
FAQs
What is the starting salary of an SBI Clerk in 2025?
The starting basic pay is ₹26,730, with a gross salary of ₹46,000 per month.
What is the SBI Clerk in-hand salary after deductions?
After deductions like NPS and taxes, the in-hand salary is around ₹42,327.
What are the main allowances included in the SBI Clerk salary?
The SBI Clerk salary includes DA, HRA, Transport Allowance, Special Allowance, Medical Benefits, Pension, and more.
Can an SBI Clerk be promoted to an Officer?
Yes, an SBI Clerk can get promoted to Scale 1 Officer after 3-6 years, based on performance and exams.
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