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SBI Clerk Salary: Complete Guide (In-Hand, Slip, Growth, FAQs)
Are you curious about the SBI Clerk Salary in India? Whether you are preparing for the exam or planning for your career, this comprehensive guide explains everything — from basic pay and in-hand salary to detailed salary slip components, career growth, and FAQs.
✅ What is SBI Clerk Salary?
The SBI Clerk Salary is an attractive and structured package for one of India’s most sought-after government banking jobs. As of 2025, the starting gross salary for an SBI Clerk ranges between:
| Component | Amount (Approx.) |
|---|---|
| Basic Pay | ₹17,900 - ₹18,700 |
| Dearness Allowance (DA) | ₹7,000 - ₹8,000 |
| House Rent Allowance (HRA) | ₹4,000 - ₹5,000 |
| Special Allowance | ₹1,500 - ₹2,500 |
| Gross Salary | ₹27,000 to ₹31,000 per month |
This varies based on location and posting city.
💰 SBI Clerk In-Hand Salary (After Deductions)
After statutory deductions such as Provident Fund (PF) and taxes, the in-hand salary of an SBI Clerk typically falls in the range of ₹22,000 to ₹25,000 per month.
📊 Sample In-Hand Salary Calculation
| Component | Amount (₹) |
|---|---|
| Gross Salary | 30,000 |
| Provident Fund (12%) | -2,160 |
| Professional Tax | -200 |
| Income Tax | -1,200 |
| In-Hand Salary | ₹26,440 |
Note: Exact in-hand salary depends on the location, applicable HRA, and tax exemptions.
🧾 SBI Clerk Salary Slip: Components Explained
A typical SBI Clerk Salary Slip includes:
| Component | Description |
|---|---|
| Basic Pay | Fixed base salary |
| Dearness Allowance (DA) | Inflation-linked allowance |
| House Rent Allowance (HRA) | Rent assistance based on city category |
| Special Allowance | Additional fixed allowance |
| Provident Fund (PF) | Employee + Employer contributions |
| Professional Tax (PT) | State tax deduction |
| Income Tax (TDS) | As per Income Tax slabs |
You can download a sample salary slip here.
🏦 SBI Clerk vs Other Bank Jobs: Salary Comparison
| Job Role | Starting Gross Salary | In-Hand Salary (Approx.) |
|---|---|---|
| SBI Clerk | ₹27,000 - ₹31,000 | ₹22,000 - ₹25,000 |
| IBPS Clerk | ₹24,000 - ₹28,000 | ₹20,000 - ₹23,000 |
| SBI Junior Associate | ₹25,000 - ₹29,000 | ₹21,000 - ₹24,000 |
👉 SBI Clerk salary is among the top for banking clerical posts, especially due to job security and government perks.
🚀 SBI Clerk Salary Growth Path
| Years of Experience | Approx. In-Hand Salary |
|---|---|
| 1-3 Years | ₹22,000 - ₹25,000 |
| 4-5 Years | ₹28,000 - ₹32,000 |
| 6+ Years | ₹35,000 - ₹40,000 |
With promotions, additional responsibilities, and annual increments, the salary grows steadily. The position may advance to Senior Clerk, Assistant Manager, or other bank roles.
❓ Frequently Asked Questions (FAQs)
1. What is the starting salary of an SBI Clerk?
The starting gross salary is ₹27,000 to ₹31,000 per month, with an in-hand salary of ₹22,000 to ₹25,000 after deductions.
2. What are the deductions in an SBI Clerk salary?
Main deductions include Provident Fund (12%), Professional Tax, and Income Tax (TDS).
3. How does the SBI Clerk in-hand salary vary by city?
Metro cities (Mumbai, Delhi) have higher HRA compared to Tier 2 or rural postings.
4. Is the SBI Clerk Salary taxable?
Yes, the taxable component includes Basic Pay, DA, and other allowances after exemptions.
5. What is the SBI Clerk Salary slip format?
It consists of basic pay, DA, HRA, special allowance, PF deductions, professional tax, and net pay.
6. How often does SBI Clerk salary get revised?
Salaries are revised periodically, typically every 5 years, based on government pay commission updates.
7. Is there a promotion path for SBI Clerks?
Yes, Clerks can get promoted to Senior Clerk, Assistant Manager, and other posts based on experience and exams.
8. Can SBI Clerk Salary be increased by allowances?
Yes, allowances are periodically revised, especially Dearness Allowance (DA).
9. How does SBI Clerk salary compare to IBPS Clerk?
SBI offers slightly better salary and benefits compared to IBPS Clerks due to better allowances and job security.
10. Are there performance bonuses in SBI Clerk Salary?
No direct performance bonuses, but yearly increments and promotions are based on performance appraisals.
📈 Conclusion
The SBI Clerk Salary is attractive for candidates seeking a secure government job with good pay, regular increments, and career growth. From ₹27,000 gross salary at the start to ₹40,000 in-hand after experience, it’s one of the best banking jobs in India.
