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Your pay after promotion

See your new basic in the higher scale, how it is fixed, and how much more you take home each month.

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  • Rules as on 12 November 2026 · DA 31.33%
1Your promotion
Your stage in the 12th BPS scale before promotion.
JAIIB / CAIIB passed before promotion
The increments these gave you, which are carried into the new scale.
2Allowances
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.

Working it out…

How this is worked out

The steps follow the fitment procedure banks apply under their officers’ service regulations: take out the JAIIB/CAIIB increments, add one notional increment of the old scale, fix pay at the stage equal to or next above it in the higher scale, then add the increments back. Every step is shown with its figure, so you can check it against your bank’s order.

The same four steps are in Chapter 4 of The Banker’s Money Book. For clerk to officer, banks use IBA’s fitment chart. We show the lowest likely figure and let you pick your chart’s stage. Pay before and after is worked out at today’s DA with each scale’s Special Allowance and the HRA for your centre.

Questions bankers ask

How is pay fixed on promotion from one officer scale to the next?

Your JAIIB/CAIIB increments are first taken out of your basic. One notional increment of the old scale is added (the last increment if you are at the top). Pay is fixed at the stage in the higher scale equal to or next above that figure, and the JAIIB/CAIIB increments are then added back in the new scale.

How is a clerk’s pay fixed on promotion to Scale I?

The JAIIB/CAIIB increments are taken out to get a notional clerical basic, which is placed in Scale I using IBA’s fitment chart; the increments are then added back. Junior clerks are fitted at the minimum of ₹48,480. The chart can place senior clerks higher than the simple “next stage” shown here, so pick your chart’s stage if you know it.

When is my next increment after promotion?

Usually on the anniversary of your last increment in the old scale. It moves to the anniversary of promotion if you were at the top of the old scale, or if the promotion lifts you by two or more old-scale increments.

What if the JAIIB/CAIIB increments go past the top of the new scale?

Increments that cannot be added in the new scale are paid as Professional Qualification Pay instead.

Does my Special Allowance change on promotion?

Yes. It is 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, so moving from Scale I to II, III to IV or V to VI also raises it.

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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.