SBI PO In-Hand Salary 2025: Check Allowances, Deductions, and Salary Slip Details
State Bank of India (SBI) is preparing to release the prelims result for 541 Probationary Officer vacancies. The candidates who qualify will move on to the mains examination expected in September 2025. While aspirants await results, many are curious about the in-hand salary of SBI PO, allowances, and deductions. Here is a detailed breakdown.
Eligibility and Recruitment Process
To apply for the SBI PO post, candidates must be graduates in any discipline from a recognized university. Final year students are also eligible, provided they show proof of passing at the interview stage. The age limit is 21 to 30 years as on 1 April 2025, with relaxations for reserved categories.
The recruitment process is conducted in three stages:
- Preliminary Examination
- Mains Examination
- Interview and Group Discussion
Only candidates clearing prelims are eligible for the mains, followed by the interview round for final selection.
SBI PO Salary Structure 2025
The SBI PO is appointed in Junior Management Grade Scale-I and enjoys one of the best salary packages in the banking sector. The salary includes various allowances like DA, HRA, location allowance, and special allowances.
| Component | Amount (₹) |
|---|---|
| Basic Pay (with 4 increments) | 56,480 |
| Dearness Allowance (19.83%) | 15,327.01 |
| House Rent Allowance | 4,518.40 |
| Location Allowance | 1,200 |
| Learning Allowance | 850 |
| Special Allowance | 14,967.20 |
| Gross Salary | 93,342 |
In metro cities, the total CTC (Cost to Company) can exceed ₹20.43 lakh per annum, making it one of the most attractive banking jobs.
Deductions in Salary
Though the gross salary crosses ₹93,000 per month, deductions are applied before arriving at the in-hand amount. These include:
- Employee PF Contribution: ₹5,648
- Professional Tax: ₹200
- Contributory Pension Fund: ₹6,845
- Union Association Membership: ₹300
| Deduction | Amount (₹) |
|---|---|
| PF Contribution | 5,648 |
| Professional Tax | 200 |
| Pension Fund | 6,845 |
| Union Membership | 300 |
| Total Deductions | 12,993 |
After all deductions, the net in-hand salary stands at ₹80,350 per month.
Growth and Career Benefits
An SBI PO starts with a basic pay of ₹48,480, which includes four advance increments. Annual increments are structured as:
- ₹2,000 every year for the first 7 years
- ₹2,340 per year for the next 2 years
- ₹2,680 annually for the following 7 years
This ensures steady salary growth along with promotions and career progression.
The SBI PO in-hand salary of around ₹80,000 per month along with additional allowances and a strong career growth path makes this position one of the most desirable in the banking sector. For candidates preparing for the SBI PO exam, this is not just a stable government job but also a lucrative career with long-term benefits.
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