Home Articles SBI Bank PO Salary: In-Hand Salary, Structure & Benefits

SBI Bank PO Salary: In-Hand Salary, Structure & Benefits

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Suman Saurav
Suman Saurav
SBI Bank PO Salary: In-Hand Salary, Structure & Benefits
For a State Bank of India probationary officer the base pay is ₹48480 which includes four advanced raises. The pay scale for a probationary officer is as follows per the updated Bipartite Settlement: ₹48480 - ₹2000/7 - ₹62480 - ₹2340/2 - ₹67160 - ₹2680/7 - ₹85920. Accordingly, a PO will begin with a base salary of ₹48480 and over the next seven years receive an annual increment of ₹2000. After two years they will receive a basic salary of ₹62480 with an annual increment of ₹2340. The highest base pay that an SBI probationary officer can receive is ₹85920. Find all the information about the job description opportunities for career progression benefits and promotions for an SBI PO. 

The salary offered to a State Bank of India Probationary officer (SBI PO) is a significant attraction for many aspiring bankers, leading to fierce competition each year with thousands of people competing for the job. Candidates for this position face fierce competition because SBI PO positions are announced annually and the compensation package is higher than that of other nationalized banks. Since the SBI PO salary increased this year, we have updated the salary structure in this article.

The SBI PO salary for 2025 has seen an increase, making it one of the key motivating factors, in addition to job security alluring benefits and a range of allowances for applicants interested in a career in banking.

Related article: SBI SO Salary 2025

SBI Bank PO Salary Structure

An SBI Probationary Officer (PO) makes between ₹84000 and ₹85000 in cash. Candidates who wish to work as SBI Probationary Officers should be aware of the updated compensation package which is reflected in the following salary structure.

Parameters

Amount (INR)

Basic Pay

₹48,480 (+ 4 advanced increments)

Special Allowance (SA)

₹ 14,967

House Rent Allowance (HRA)

₹ 5,648

Dearness Allowance (DA)

₹ 14,336

City Compensatory Allowance

₹ 2,300

Learning Allowance

₹ 850

Gross Salary

₹ 94,581

Deductions (PF/Income Tax/Professional Tax/Pension)

₹ 9,617

Net Salary

₹ 84,964

Explore more: SBI Bank Manager Salary 2025

More insights: SBI Bank Timings 2025

SBI PO Salary Deductions

An SBI Probationary Officer (PO) receives ₹84964 in gross pay from which the following monthly deductions are made. The officers approximate in-hand salary after these deductions is ₹85000. The SBI PO salary deductions are detailed below.

Particulars

Amount (INR)

Employee PF Contribution

₹ 5,648

Professional Tax

₹ 200

Income Tax

₹ 3,769

Total Deductions

₹ 9,617

A Must Read: PO Full Form, SBI PO, IBPS PO, Salary, Roles & Responsibilities, Selection Criteria and Exam Pattern 2025

SBI PO In-Hand Salary

An SBI Probationary Officers (PO) starting pay based on a base salary of ₹48480 can range from ₹84000 to ₹85000 per month. About ₹18. 67 lakhs is the gross annual compensation for SBI POs based in the Mumbai Center. Lease Rental/HRA Dearness Allowance (DA) Medical City Compensatory Allowance (CCA) and other benefits are available to SBI Probationary Officers in addition to their base salary. Depending on where the job posting is located these sums might change.

SBI PO Salary Increment

Annual raises for SBI Probationary Officers (POs) are predetermined for certain periods of time. Please refer to the table below to comprehend the increment cycle for SBI POs.

Period

Increment

Basic Salary

First 4 Increments

₹ 48,480

First 7 Years

₹ 2,000

₹ 62,480

Next 2 Years

₹ 2,340

₹ 67,160

Following 7 Years

₹ 2,680

₹ 85,920

SBI PO Allowances

Probationary Officers (POs) at SBI receive a range of benefits in addition to their base pay which adds to their total compensation package. SBI POs typically receive the following benefits.

Allowance

Amount

Dearness Allowance

19.83% of the Basic Pay

City Compensatory Allowance

3–4% depending on the location

House Rent Allowance (HRA)

7–9% based on the place of posting

Furniture Allowance

₹ 1,20,000

Medical Insurance

100% coverage for the employee; 75% for dependents

Travelling Allowance

Reimbursement of AC 2-tier fare for official travel

Petrol Allowance

₹1,100 – ₹1,250

Other Allowances (e.g., Newspaper, Entertainment, Books)

Varies by cadre

SBI PO Perks

Along with a competitive in-hand pay, SBI Probationary Officers (POs) enjoy a number of benefits. The following is a summary of the main advantages SBI POs have. 

  1. New Pension Scheme/Contribution Pension Scheme. 
  2. Medical Aid: Seventy-five percent for family members and 100 percent for the employee.
  3. (LTC) Leave Travel Concession.
  4.  Concession for Home Travel/Leave Fares. 
  5.  Lower interest rates are offered on personal auto and housing loans.

SBI PO Job Profile and Promotion

Prior to their official appointment as probationary officers candidates chosen for the SBI PO position must finish a course on fundamental banking knowledge. They have to sign a bond for ₹2 lakhs when they join the bank promising to work there for at least three years. Candidates will be confirmed in the Junior Manager Grade Scale I (JMGS-I) position following the completion of the probationary period.

SBI, one of the nations most prominent banks, provides its staff with a wide range of benefits and chances for career advancement. POs receive important career exposure through the bank's yearly promotion exams which improve job profiles, positions and salaries. After a two-year probationary period SBI POs can anticipate moving up to different levels of promotion such as . 

  1. Assistant Manager. 
  2. Deputy  Manager. 
  3.  Manager. 
  4. Chief Manager. 
  5. Assistant General Manager 
  6. Deputy General Manager. 
  7. General manager. 
  8. Chief General Manager  
  9. Deputy Managing Director 
  10. Managing Director 
  11. Chairman 

SBI PO Syllabus 2025

The SBI PO 2025 notification has been released, announcing 600 vacancies for Probationary Officers.May 5 2025 is the date of the main exam. English language proficiency, quantitative aptitude and reasoning ability make up the three components of the preliminary exam. English language proficiency general/economic/banking awareness data analysis and interpretation and reasoning and computer aptitude are all part of the main exam. A thorough synopsis of the SBI PO Prelims and Mains syllabus is provided below.

Category

Details

Recruitment Body

State Bank of India (SBI)

Exam Name

SBI PO 2025

Mains Exam Date

May 5, 2025

Position

Probationary Officer

Mode of Exam

Online

Number of Questions

Prelims: 100

Mains: 155 (MCQs) + 2 (descriptive)

Negative Marking

0.25

Selection Process

Prelims

Mains

Interview

Official Website

www.sbi.co.in

SBI PO Exam Pattern 2025

The bank has revised the preliminary and mains exam patterns in conjunction with the publication of the SBI PO 2025 notification. Although the overall number of marks for every phase has not changed the distribution of marks has. Candidates must meet a minimum cut-off score established by the authorities in order to advance through all three stages prelims, mains and interview. While the primary exam and interview scores will be utilized to generate the merit list the preliminary exam is a qualifying test. Understanding the most recent SBI PO 2025 Exam Pattern will help you prepare for each step.

SBI PO Cut Off 2025

The SBI PO Cut Off 2025 was announced by the State Bank of India (SBI) after the SBI PO 2025 Prelims Exam was finished. Candidates must obtain scores higher than the cut-off points which are established by the difficulty of the test, the volume of applicants and the cut-off points from prior years. Sectional cut-off scores will be applied exclusively to the Mains exam as of this year.

SBI PO Preparation Tips 2025

  1. Recognize the Exam Pattern: Become acquainted with the three stages of the exam—prelims mains and interview—as well as the timing question types and marking system. 
  2. Examine the Syllabus: Examine the most recent syllabus to determine your advantages and disadvantages.
  3.  Pick Reputable Sources: To improve comprehension make use of suggested resources. 
  4.  Practice past papers to get a feel for the format and level of difficulty of the questions. 
  5.  Take Mock Tests: To enhance time management and evaluate performance create exam-like scenarios. 
  6. Make Revision a Priority: Discuss important subjects and formulas frequently. Preparation by Subject.
  7. Quantitative aptitude: Practice regularly and concentrate on fundamental computations and data interpretation. 
  • English language: Increase reading comprehension and speed, interact with newspapers and different kinds of questions. 
  • Reasoning Ability: Improve accuracy and speed by solving puzzles that test your logical thinking. 
  • General/Economy/Banking Awareness: Use resources and apps to stay up to date on current events. Practice writing essays and master letter formats for the descriptive test.

Frequently Asked Questions

What is the starting salary for an SBI PO in 2025 ?

The starting salary for an SBI PO in 2025 is Rs.48,480 as the basic pay, and the initial in-hand salary ranges from Rs. 84,000 to Rs. 85,000 per month after allowances and deductions.

How does the SBI PO Salary structure look like ?

The SBI PO salary structure includes a basic pay of Rs. 48,480, along with allowances such as Dearness Allowance, House Rent Allowance,and City Compensatory Allowance, totaling a gross salary of approximately Rs.94,581.

What are the increments in SBI PO salary ?

The SBI PO salary includes yearly increments, starting with Rs. 2,000 for the first seven years, then Rs. 2,340 for the next two years, and up to Rs. 2,680 for another seven years, potentially reaching a maximum basic salary of Rs. 85,920.

What allowances can an SBI PO expect besides the salary ?

An SBI PO can expect various allowances, including Medical Insurance, House Rent Allowance, Travel Allowance, and Furniture Allowance, contributing significantly to the overall compensation package.

Are there benefits associated with the SBI PO Salary?

Yes, an SBI PO enjoys numerous benefits, such as contributions to a Pension Scheme, medical aid for self and family, leave fare concessions, and concessional loan interest rates, making the overall remuneration attractive.

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