SBI Probationary Officer (PO) salary structure for 2025 has been explored to provide valid information and help understand the structure of salary.
Basic Pay & Pay Scale
Starting Basic Pay: ₹48,480 per month (including four advance increments).
Career progression through timed increments:
₹2,000/year for the first 7 years → Basic rises to ₹62,480
₹2,340/year for the next 2 years → Basic up to ₹67,160
₹2,680/year for subsequent 7 years → Basic reaches up to ₹85,920
Allowances & Gross Salary
| Component | Amount (Approx.) |
|---|---|
| Basic Pay | ₹48,480 |
| Dearness Allowance (DA) | ₹14,336 |
| Special Allowance (SA) | ₹14,967 |
| House Rent Allowance (HRA) | ₹5,648 |
| City Compensatory Allowance (CCA) | ₹2,300 |
| Learning Allowance | ₹850 |
| Gross Salary | ~₹94,581 |
Deductions & In-Hand Salary
Common monthly deductions:
Employee Provident Fund (PF): ₹5,648
Professional Tax: ₹200
Pension Fund Contribution: ₹6,845
Income Tax: Varies as per slab
Approximate total deductions: ₹9,600 – ₹13,000
Net in-hand salary: Around ₹80,000 – ₹85,000 per month
Cost-to-Company (CTC)
At a metro city posting, annual CTC is around ₹20 lakh to ₹20.4 lakh including all allowances, perks, and benefits.
Perks & Benefits
Housing: Leased accommodation or HRA depending on posting city
Medical: Full medical coverage for self, 75% coverage for family
Furniture Allowance: One-time benefit of about ₹1.2 lakh
Travel/Transport: Petrol allowance (~₹1,100–₹1,250) or travel reimbursement
Other: Newspaper allowance, book and entertainment allowances, loan concessions, etc.
Quick Snapshot
Basic Pay: ₹48,480 → can go up to ₹85,920 with experience
Gross Salary: ~₹94,000
In-Hand Salary: ₹80,000–₹85,000
Annual CTC: ~₹20 lakh at metro posting