SBI CBO Basic Pay Salary 2025 Allowances, Revised Pay Scale and Perks
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The SBI CBO Basic Pay Salary for 2025 has been officially revised, making the Circle Based Officer post highly attractive. Selected candidates will start with a basic pay of ₹48,480 under the Junior Management Grade Scale-I (JMGS-I). This salary increases annually with regular increments as per the scale: ₹48,480 – 2000/7 – 62,480 – 2340/2 – 67,160 – 2680/7 – 85,920. Along with the basic salary, SBI CBOs also receive various allowances such as Dearness Allowance (DA), House Rent Allowance (HRA), medical, travel, and more, making the overall compensation quite lucrative in the public banking sector.
The SBI Circle Based Officer salary package offers not only a competitive pay scale but also strong financial security and career stability. With a monthly in-hand salary that includes several benefits, this role provides a balanced and rewarding career for banking professionals. The salary is one of the major reasons why many candidates aim for the CBO position in State Bank of India. Additionally, the Bank job offers excellent growth opportunities, a clear promotion path, and work-life balance. Understanding the full SBI CBO Basic Pay Salary structure helps aspirants plan better and prepare with clarity for a promising future in banking.
SBI CBO Basic Pay Salary 2025: Overview
The SBI CBO Basic Pay Salary 2025 offers an excellent opportunity for those looking to build a strong career in banking. The State Bank of India provides a well-structured salary package for Circle Based Officers, starting with a basic pay of ₹48,480 under Junior Management Grade Scale-I (JMGS-I). Along with the basic salary, candidates also receive several allowances and benefits such as HRA, DA, medical coverage, and more. If you have at least 2 years of officer-level experience in a Scheduled Commercial Bank or Regional Rural Bank, you may also get 2 additional increments. This makes the SBI CBO salary structure one of the most rewarding in the public sector.
Below is the detailed breakdown of the SBI Circle Based Officer salary structure 2025:
SBI CBO Salary 2025 Structure
| Component | Details |
|---|---|
| Hiring Organization | State Bank of India (SBI) |
| Post Name | Circle Based Officer (CBO) |
| Basic Salary | ₹48,480/- |
| Pay Scale | ₹48,480 – 2000/7 – 62,480 – 2340/2 – 67,160 – 2680/7 – 85,920 |
| Initial Increments | 2 advance increments for candidates with ≥ 2 years officer experience |
| Allowances | DA, HRA/Lease, CCA, Provident Fund, NPS |
| Perks & Benefits | Medical, Leave Fare Concession (LFC), and other benefits |
| Probation Period | 6 months |
| Grade After Confirmation | Junior Management Grade Scale-I (JMGS-I) |
| Transfer Policy | No inter-circle/foreign transfer for 12 years or till promotion to SMGS-IV |
SBI CBO Basic Pay Salary Structure 2025
The SBI CBO Basic Pay Salary 2025 is a major attraction for aspirants preparing for the Circle Based Officer post in the State Bank of India. Selected candidates are appointed in Junior Management Grade Scale-I (JMGS-I) and enjoy a strong salary structure with regular increments, benefits, and allowances. The starting basic pay is ₹48,480, with two additional increments for those having at least 2 years of officer experience in any Scheduled Commercial Bank or Regional Rural Bank.
Along with the basic pay, employees are entitled to various perks and allowances such as DA, HRA, travel, and petrol allowance, which make this job both lucrative and secure. Below is a complete overview of the SBI CBO Salary Structure 2025:
SBI CBO Salary Structure Table
| Component | Details |
|---|---|
| Basic Pay | ₹48,480/- (with 2 increments for eligible experienced candidates) |
| Pay Scale | ₹48,480 – 2000/7 – 62,480 – 2340/2 – 67,160 – 2680/7 – 85,920 |
| Annual Increment (1st 7 Years) | ₹2,000 |
| Annual Increment (Next 2 Years) | ₹2,340 |
| Annual Increment (Next 7 Years) | ₹2,680 |
| Total Salary Per Annum | ₹4.32 lakh – ₹12 lakh (approx, excluding additional perks) |
SBI CBO Perks and Allowances 2025
| Allowance Type | Details |
|---|---|
| Dearness Allowance (DA) | 17.20% of Basic Pay |
| House Rent Allowance (HRA) | 7% – 9% (based on posting location) |
| City Compensatory Allowance | 3% – 4% (location-based) |
| Medical Insurance | 100% for employees, 75% for family |
| Travel Allowance | AC 2-tier fare reimbursed for official travel |
| Petrol Allowance | ₹1,100 – ₹1,250 monthly |
| Other Benefits | Newspaper, Books, Entertainment Allowance (varies by cadre) |
The SBI CBO Basic Pay Salary along with these allowances and growth opportunities makes this job a dream position in the public banking sector. Candidates should understand the salary details thoroughly while preparing for the SBI CBO recruitment 2025.
SBI CBO In Hand Salary 2025
The SBI CBO Basic Pay Salary for 2025 starts at ₹48,480 per month for newly appointed Circle Based Officers. Candidates who have at least two years of prior officer-level experience in any Scheduled Commercial Bank or Regional Rural Bank are eligible for two additional increments at the time of joining. The in-hand salary includes the basic pay plus various allowances such as Dearness Allowance (DA), House Rent Allowance (HRA), and other benefits. After all deductions and additions, the SBI CBO in-hand salary per month typically ranges between ₹50,000 to ₹52,000. With annual increments, the basic pay grows steadily, making this a rewarding and stable career option in the banking sector. The overall compensation structure, including perks and allowances, makes the SBI CBO Salary Package 2025 highly attractive for aspirants aiming for a government bank job.
SBI CBO Basic Pay Salary, Job Profile & Career Growth 2025
The SBI CBO Basic Pay Salary in 2025 starts at ₹48,480 per month, making it an attractive role for banking aspirants. However, along with a lucrative salary, candidates must understand the roles and responsibilities of the Circle Based Officer (CBO) position. CBOs are responsible for managing branch-level operations, sanctioning loans, maintaining compliance with banking policies, ensuring smooth accounting processes, and building strong customer relationships. They are expected to implement key decisions and monitor daily banking functions to ensure efficiency and customer satisfaction.
Upon selection, candidates are appointed as Circle Based Officers under Junior Management Grade Scale-I (JMGS-I). A 6-month probation period follows where their performance is continuously assessed. If they meet the required standards, they are confirmed in the role. If not, their services may be terminated according to SBI rules.
Career growth in the SBI CBO role is based on the bank’s internal promotion policy. Officers are placed in the general cadre and can rise through ranks based on performance. However, candidates are not eligible for inter-circle transfers, Corporate Centre postings, or foreign postings until they either complete 12 years of service or are promoted to Senior Management Grade Scale-IV (SMGS-IV), whichever is later.
Overall, with a solid SBI CBO Basic Pay Salary, additional perks, and structured growth opportunities, this role offers a stable and rewarding banking career within India’s leading public sector bank.
Frequently Asked Questions (FAQs) on SBI CBO Basic Pay Salary 2025
✅ Is SBI CBO a Scale 1 or Scale 2 officer?
SBI Circle Based Officer (CBO) is appointed in Junior Management Grade Scale-I (JMGS-I), which is equivalent to Scale 1.
✅ What is the SBI CBO Basic Pay Salary in 2025?
The SBI CBO basic pay salary in 2025 is ₹48,480 per month. Candidates with 2 years of officer experience in Scheduled Commercial Banks or RRBs are eligible for two advance increments.
✅ What is the monthly salary of an SBI Circle Based Officer?
The in-hand salary of an SBI Circle Based Officer ranges between ₹50,000 to ₹52,000 per month, including basic pay and various allowances like DA, HRA, and others.
✅ What is the salary structure of SBI CBO?
The SBI CBO pay scale is structured as:
₹48,480 – 2000/7 – 62,480 – 2340/2 – 67,160 – 2680/7 – 85,920.
This includes annual increments over time, making it a high-paying government bank job.
✅ What is the job role of an SBI Circle Based Officer?
An SBI CBO handles key branch operations, sanctions loans, ensures implementation of banking policies, supervises accounting work, and builds customer relationships.
✅ What allowances are included in SBI CBO Basic Pay Salary?
SBI CBOs receive several allowances such as:
- Dearness Allowance (DA)
- House Rent Allowance (HRA)
- City Compensatory Allowance (CCA)
- Medical Aid
- Petrol, Newspaper, and Entertainment Allowance
- Concessional loan benefits (Home/Car/Personal)
✅ Is there a probation period for SBI CBO?
Yes, selected candidates undergo a probation period of 6 months. During this time, performance is evaluated. Successful candidates are confirmed as officers in JMGS-I grade.
