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Your bank salary, line by line

Choose your scale and basic for your gross and in-hand pay at today’s DA, and see what the November DA rise added.

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  • Rules as on 12 November 2026 · DA 31.33%
1Your pay
Your stage in the 12th BPS pay scale, shown as “Basic” on your payslip.
2Allowances and pension
Where you are posted (for HRA)
Officers’ HRA, with CCA of ₹2,300 or ₹1,900, or a ₹1,200 location allowance elsewhere. Clerical staff get HRA of 10.25% at every centre.
More: special pay, other allowances, professional tax, DA
As on your payslip, for example for single-window operators. It carries DA and HRA.
CCA or location allowance, hill, officiating pay and so on.
Depends on your state; up to ₹2,500 a year.
%
Leave blank for the current rate (31.33%). Try a higher rate to see the next quarter.

Working it out…

How this is worked out

Basic pay comes from the 12th BPS stage you choose. Special Allowance is a set percentage of basic for your scale. DA at 31.33% is paid on basic, Special Allowance and the ₹850 Learning or Transport Allowance. HRA is a percentage of basic by centre, and officers also get CCA or a location allowance. NPS members (joined on or after 1 April 2010) pay 10% of basic + DA on basic and the bank adds 14%; staff in the old pension scheme pay 10% of basic into PF instead.

The income-tax line is a rough monthly estimate under the new regime: this month’s pay for twelve months, less the ₹75,000 standard deduction and the bank’s NPS share. For your real figure, use the income tax calculator, which takes each quarter’s DA into account.

Questions bankers ask

What is the DA for bank employees now?

31.33% of pay for November 2026 to January 2027, under the 12th BPS and 9th Joint Note (IBA circular of 2 November 2026). It was 27.83% for August to October 2026. DA is revised every quarter, in February, May, August and November.

On what is DA paid?

For officers, on basic pay, Special Allowance and the ₹850 Learning Allowance. For clerical staff, on basic pay, special pay, Special Allowance and the ₹850 Transport Allowance.

What is the Special Allowance under the 12th BPS?

For officers, 26.50% of basic in Scale I, 28.30% in Scales II and III, 30.50% in Scales IV and V and 31.50% in Scales VI and VII, with DA on it. Clerical staff get 26.50% of basic with DA. It does not count for PF, NPS or gratuity.

How much HRA and CCA do bank officers get?

Officers get HRA of 10% of basic and CCA of ₹2,300 in major A-class cities; 9% and ₹2,300 in other Area I places; 8% and ₹1,900 in state capitals and cities of 5 lakh or more; and 8% with a ₹1,200 location allowance anywhere else. Clerical staff get HRA of 10.25% at every centre. No HRA is paid where the bank provides a flat.

Why is my payslip a little different?

Banks also pay items this page cannot know: officiating pay, hill or special area allowance, stagnation increments, FPP or PQP. Add them under “More”. Deductions such as loan instalments, society dues or LIC premiums are not shown.

Do NPS members also pay PF?

No. Staff who joined on or after 1 April 2010 have no bank Provident Fund: they pay 10% of basic + DA into NPS and the bank adds 14%. Staff in the old pension scheme pay 10% of pay into PF, with no matching share from the bank.

More free calculators

Indicative figures for planning. They follow the 12th Bipartite Settlement and 9th Joint Note (8 March 2024), IBA’s DA circular of 2 November 2026 and the Income-tax Act, 2025, as on 12 November 2026. Your bank’s payslip, service regulations, circulars and Form 16 prevail. Bankers Pioneer Academy is independent; not affiliated with IBA, IIBF, the Reserve Bank of India or any bank. Nothing you type here leaves your device.