Scope of IBPS Clerk

The Institute of Banking Personnel Selection (IBPS) has a recruitment drive for Clerical Cadre Posts. With the amount of unemployment in India, IBPS provides a great opportunity to candidates by providing a great career option in the form of bank clerks. There are a lot of benefits and opportunities that are provided in this post and we are going to discuss all of them, along with the job profile, to make it easier for you to decide your future in a Clerical Cadre post.

Job Profile

A bank clerk is the first point of contact to a customer when he/she enters the bank. A clerk is trained for the following duties during the probation period:

Universal Teller (UT): The work of a Universal Teller is to receive withdrawal forms, cheques, verify customer account details and signatures, update pass books, etc.

Special Assistant (SA): The duty of a Special Assistant will be to look after and check the work of other clerks and sub staff members. A Special Assistant will also be responsible for the smooth working/running of their concerned department.

Head Cashier (HC): The duty of a Head Cashier will be to hold the bank’s cash, important keys of the bank and other valuables of the bank in a safe custody. A HC will be assisted by an officer and the HC will be responsible for smooth working of the cash department.

Single Window Operator (SWO): The SWO will be handling receipts of cheques, drafts, cash passing and payments in cash.

Agriculture Assistants: In addition to the duties of a normal clerk and Agriculture Assistant will work in issues related to agriculture.


Salary and Allowances

An IBPS Clerk gets a dignified salary along with additional benefits.

  • The basic pay is INR 11,765.
  • After one year of service the candidate will be given an increment of anywhere between INR 400 and after that till the next three years the increment will be INR 500.

The major allowances that are given are as follows:

House Rent Allowance (HRA):

HRA is given as per the resident city,

  • If posted in a metro city, the HRA given will be 5 % of the basic pay.
  • If posted in a city with a population of more than 5 lakhs, the HRA given will be 5 % of the basic pay.
  • In any other city, the HRA will be 5% of the basic pay.

Dearness Allowance (DA):

DA is adjusted quarterly (Every three months). The DA is changed according to the customer price index (CPI). The according to the CPI declared by the banks, the DA can increase or decrease.

Medical Allowance

The medical allowance is fixed at INR 20000 and is paid annually.


In addition to all that a leased accommodation is also provided by the recruiting bank.


Scope and promotions

As IBPC clerk is the starting point of a job in any bank there will be a lot of opportunities for promotion.

After a few years of working as a clerk, you will be eligible for a promotional exam. Clearing of the exam will make you a Trainee Officer (TO) and after that you come at the same level of a PO and the future promotion criteria will be same as that of a PO.

The order of promotion from lowest to highest is as follows:

Bank Clerk

Officer/Assistant Manager


Senior Manager

Chief Manager

Assistant General Manager

Deputy General Manager

General Manager


In conclusion an IBPS Clerk is an attractive career opportunity in the banking sector, although not as attractive as Bank PO, as you will start a few years behind a Bank PO, but cracking IBPS Clerk will no doubt be a lot easier than IBPS PO. So this is all about IBPS Clerk, you can check out the exam pattern on our blog and figure out if this is the right career for you or not.