SBI PO 2026 ka basic ₹48,480 par 4 advance increments se effective ~₹56,480, in-hand approx ₹80,000 to ₹84,000 aur CTC ~₹21.97 lakh. Poora job profile yahan.
State Bank of India Probationary Officer ki post banking aspirants ke beech sabse prestigious manchahi nakri mein se ek hai. 2026 cycle mein, jo 12th Bipartite Settlement wage revision ke baad aata hai, SBI PO ka basic pay ₹48,480 hai. Yeh wahi pay scale hai jo IBPS PO (Officer JMGS-I) ko milta hai. Lekin SBI ek khaas faayda deta hai: graduates ko 4 advance increments diye jaate hain, jisse effective starting basic lagbhag ₹56,480 ho jaata hai. Yahi se SBI PO ki salary IBPS PO se thodi upar nikal jaati hai.
Pura pay scale is tarah chalta hai: ₹48,480-2000/7-62,480-2,340/2-67,160-2,680/7-85,920. Iska matlab har saal increment ke saath basic badhta jaata hai aur peak ke kareeb ₹85,920 tak pahunchta hai. Yaad rahe basic pay scale fixed hota hai, lekin in-hand salary city aur current DA rate par depend karti hai.
Basic pay ke upar kai allowances jude hote hain: Dearness Allowance (DA), House Rent Allowance (HRA), City Compensatory Allowance (CCA) aur Special Allowance. In sab ko jodne ke baad SBI PO ki approximate in-hand salary ₹80,000 se ₹84,000 per month ke beech rehti hai. Yeh ek indicative figure hai aur actual take-home posting city aur DA rate ke hisaab se ghat-badh sakta hai.
Saal bhar ka total CTC lagbhag ₹21.97 lakh banta hai, lekin yeh sabse zyada Mumbai centre par hota hai jahan HRA aur CCA slabs sabse upar hain. Chote shehron mein CTC isse kam rehta hai. CTC mein cash salary ke alawa perks ki value bhi shaamil hoti hai.
| Component | Detail (2026, approximate) |
|---|---|
| Basic pay (scale) | ₹48,480 |
| Effective starting basic (with 4 advance increments) | ~₹56,480 |
| Pay scale | ₹48,480-2000/7-62,480-2,340/2-67,160-2,680/7-85,920 |
| Allowances | DA, HRA, CCA, Special Allowance |
| Approximate in-hand (per month) | ₹80,000 to ₹84,000 |
| Total CTC (per year, Mumbai) | ~₹21.97 lakh |
| Extra perks | Leased accommodation, furniture allowance, medical, newspaper, travel reimbursement |
In-hand aur CTC dono ko approximate maaniye. Basic pay scale se fix hota hai; baaki sab city aur DA par move karta hai.
Dono exams ka basic pay scale bilkul same hai (₹48,480), phir bhi SBI PO ki take-home thodi upar rehti hai. Iske do mukhya kaaran hain:
Tulna ke liye: IBPS PO ki approximate in-hand ₹74,000 se ₹77,000 per month aur gross lagbhag ₹90,000 hota hai, jabki SBI PO ki in-hand ₹80,000 se ₹84,000 tak pahunchti hai. Antar bada nahi hai, lekin perks ke saath SBI ka package overall thoda behtar lagta hai.
Ek Probationary Officer SBI mein branch banking ki reedh ki haddi hota hai. Probation period lagbhag 2 saal ka hota hai. Is dauraan ek PO ko ye kaam sambhalne padte hain:
Probation ke baad aur promotion ke saath PO ko audit, risk aur supervisory roles bhi milne lagte hain. Kaam responsibility se bhara hota hai, lekin yahi exposure aage ki growth ki neev banta hai.
SBI mein officer ki growth ek saaf-suthri ladder par chalti hai, jisme aap internal exams aur performance ke aadhaar par upar badhte hain:
JAIIB aur CAIIB jaise professional banking exams clear karne se promotion mein aur faayda milta hai. Mehnat aur consistency ke saath ek SBI PO kuch hi saalon mein senior management tak pahunch sakta hai.
Apply karne se pehle eligibility check kar lena zaroori hai:
| Criteria | Detail |
|---|---|
| Age (General) | 21 to 30 years |
| Age relaxation | SC/ST +5 years, OBC +3 years, PwBD +10 to 15 years |
| Education | Graduation in any discipline from a recognised university; no minimum percentage |
| Final-year students | Provisionally apply kar sakte hain; passing proof cut-off date tak dena hoga |
| Attempts | General/EWS: 6, OBC/PwBD: 9, SC/ST: no restriction |
Nationality criteria IBPS PO jaisa hi hai: Indian citizen ya niyamon ke anusaar eligible category. SBI PO selection prelims, mains aur interview se hota hai, isliye taiyari mazboot honi chahiye. Quiz4Exam par aap full mocks, sectional mocks, topic-wise mocks aur all-India rank wale live mocks practice kar sakte hain, sath mein detailed solutions aur trilingual support, taki aap har sectional cut-off comfortably cross kar sakein.
The SBI PO basic pay is ₹48,480, but with 4 advance increments the effective starting basic is about ₹56,480. The approximate in-hand salary is ₹80,000 to ₹84,000 per month, and the total CTC is about ₹21.97 lakh per year at the Mumbai centre. In-hand pay is indicative and varies by posting city and the current DA rate.
Both have the same basic pay scale of ₹48,480, but SBI grants 4 advance increments to new POs, raising the effective basic to about ₹56,480. Allowances are calculated on basic, so they rise too. SBI also offers extra perks like leased accommodation, furniture allowance, medical and travel reimbursements, which push the overall package a bit higher.
An SBI Probationary Officer handles branch operations, cash and account management, customer service, account opening and KYC, processing loans and advances, cross-selling banking products, generating leads, and supervising clerical staff. The probation period is about 2 years, after which audit and risk roles are added.
The age limit for the General category is 21 to 30 years, with relaxation of +5 years for SC/ST, +3 years for OBC, and +10 to 15 years for PwBD. Attempts allowed are 6 for General/EWS, 9 for OBC/PwBD, and no restriction for SC/ST.
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