IBPS Clerk Job Profile, Work Structure & Career Growth Promotions

IBPS CLERK JOB PROFILE, Work Structure, Roles & Responsibilities

IBPS (Institute of banking personnel & selection) is a platform to conduct bank examination, interviews and all other formalities on behalf of public sector bank.

It is a main conducting body which recruits eligible candidates from all over India every year.

The career in banking is considered to be reputed and dignified.

It also offers job security and other lucrative benefits to the job aspirants in addition to the in-hand salary.

The banking sector is said to be the backbone of Indian economy. The post of the clerk is an entry-level post in the bank.

Hard work, performance, and positive attitude will benefit you to go up in the corporate ladder and become successful.

The IBPS clerk examination will be held in the month of October, November, December and January. Every year lakhs of aspirants compete hard for the post of IBPS clerk.

Before applying online candidates are required to check and ensure their eligibility for the same.

The post of clerk cadre is definitely a promising career option for those who want to pursue a long-term career in banking.

Job aspirants! In this article I have mentioned the following topics; let’s have a look at the following

  • What is IBPS clerk job?
  • Life and responsibilities of ibps clerk
  • Promotion of IBPS clerk
  • IBPS Clerk Salary
  • IBPS clerk career growth opportunities
  • Clerk selection process
  • How to become an IBPS clerk?

What is IBPS Clerk Job Profile?


A bank clerk is responsible for customer-oriented services. It is said that the banking sector is the backbone of the economy whereas the clerk is the building blocks.

It is a front office job which plays important role in providing the best services to the already existing customers.

It is an entry-level post in the bank where he/she has to take care of the all task without any hassle.

The bank clerk has to perform various tasks such as;

  • Accounts work
  • Data entry
  • Office clerk
  • Loan clerk
  • Issuing checkbooks to customer
  • Ensuring payment clearance
  • Handle all deposits and cash withdrawals
  • Maintaining ledgers, tally accounts, and ESI stamp

Life and Responsibilities of IBPS clerk

The clerk is the first source to be reached regarding any queries or guidance related to the bank.

They are also referred to as single window operator

The responsibility of the bank clerk is not limited to a single task.

As a bank clerk

Given below are the key

Maintain a daily record of balance

  • Marketing of financial products of the banks such as deposits, loans, and schemes to the visitor
  • Monitor the work of other
  • With digitization nowadays the major work of clerk has to be done on computers.
  • Custody of cash, keys and other valuables in the bank
  • Update passbook
  • Receive cheque, withdrawal form cash payment and cash passing.
  • Verify all the necessary details such as signature name and verify account details.
  • Attend government treasury work.

Promotion of IBPS Clerk

As we all know the bank clerk is the entry-level post. When you join the bank as a clerk you will be put under six month probation period. Bank clerk will become a permanent employee after an assessment or review of performance.

Banks under Institute of banking personnel and selection assure promotion of their clerk employee within a year.

Examination such as JAIIB and CAIIB is for clerks who wish to move up in the ladder of promotion as a bank officer.


JAIIB stands for the junior associate for the Institute of bank

CAIIB stands for certified associations of the Indian Institute of Bankers.

Given below is the flow chart regarding the promotional aspect of a bank clerk.

Let’s have a look at the following;

Bank Clerk

Officer/ Assistant Manager


Senior Manager

Chief Manager

Asst. General Manager

Deputy General Manager

General Manager

Therefore, the post of bank clerk is a great opportunity you should not be missing. It is the stepping stone if you wish to pursue your career as a banker.

IBPS Clerk Exam 2020 Latest Updates
IBPS Clerk Syllabus 2020 IBPS Clerk Exam Dates 2020
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How to Check IBPS Clerk Prelims Result? IBPS Clerk Question papers
How to Crack IBPS Clerk 2020? IBPS Clerk Exam Dates 2020

IBPS Clerk Salary Structure

If you are searching for IBPS salary structure than you are landed in the right place

Students preparing for IBPS clerk examination 2020 often have this question regarding the salary structure for the post of bank clerk.

After 10th bipartite settlement and wage revision salary of a clerk is increased it is around and approximately 21,900.

Given below is the salary structure of ibps clerk.

IBPS Clerk Salary Structure 2020

Criteria Metro Cities State Capital District Level and Rural
Basic Pay 7200.00 7200.00 7200.00
DA 6922.80 6922.80 6922.80
HRA 720  648 540
Gross with HRA 14842.80 14770.80 14662.80

The basic pay or in hand salary of a bank clerk is 11765/- per month. In addition, IBPS clerk is also entitled to various benefits and allowances.

The HRA varies place to place.

  • Dearness allowance

It is 4% of the basic pay and revised quarterly for every 3 months based on consumer price index declared by the bank.

  • House rent allowances

It is 7-9 % of the basic pay. It varies according to different cities

  • The special allowance is 5 to 6%
  • After successful completion of one year, the bank clerk is entitled to receive an increment of rupees 400/-

Important note

As per the banking norms in the public sector banks, the salary is revised.

It is noted that promotion of individual will be judged as per their performance.

IBPS Clerk Perks and benefits

  • Leased accommodation from the recruiting banks
  • Medical allowance of rupees 2000/- is given to bank clerk per year
  • IBPS clerks are also entitled to transport allowance which is approximately 825
  • A bank clerk receives a dignified salary along with other great allowances.
  • The clerks get multiple chances to be promoted to the next upper level in the ladder based on their performance.

The table below explains the in hand salary including DA, HRA, SA etc.

Basic Pay 11765
Special Allowance 911
DA 5311
Transport Allowance 425
Total (without HRA) 18413
HRA 1176
Gross Monthly CTC (with HRA) Rs 19589

Facilities Places with Population above 4.5 million Below 4.5 million

Basic Pay Rs 11765 Rs 11765
Special Allowance Rs 911 Rs 911
DA Rs 5311 Rs 5311
CCA Rs 0 Rs 0
Transport Allowance Rs 425 Rs 425
Total (without HRA) Rs 18413 Rs 18413
HRA 1176 Rs 1058
Gross with HRA Rs 19589 Rs 19472

Notable Information –

The salary obtained in this post is as satisfying as the post itself.

IBPS Clerk Career Growth Opportunities

After being appointed as clerk officer you will get ample of opportunities to go up on the banking ladder. Yes, our increment and promotion depend purely on your performance.

Promotion takes place in every 2 years and you will be promoted to the senior level post as per your performance.

After a few years of the senior officer, you become eligible for the internal test conducted by the bank after clearing it you would be selected as TO (trainee officer).

Later you can be selected as PO (probationary officer).

You can also apply to other private banks for better opportunities

There are 2 process of clerical promotion process that is

  • Normal process
  • Merit-based process
  1. Under the normal process, candidates have to give a written test and based in the scores and performance in the test he/ she will get the promotion.
  2. Under the merit process bank clerk employee after completion of two years of service along with the JAIIB and CAIIB diploma, he/ she will be promoted for the senior level post in the bank.

IBPS Clerk Selection Process

Institute of banking personnel and selection CWE is officially out on the official website of ibps.

The examination is scheduled in the month of December 2019 and January 2020 in various cities of different states.

The exam is conducted for the main reason to recruit eligible officers for the post of clerk.

Participants across the country have this question on their mind regarding the selection procedure of IBPS clerk post/ vacancy.

For your queries, I am providing you the important dates of IBPS clerk examination

The selection procedure is divided into two phases that are prelims and mains CWE.

Students are required to qualify both the phase in order to be selected for the final interview.

The mode of examination will be online.

Prelims examination is only the mode to reach mains. It has nothing to do with the final selection procedure.

  • Preliminary exam   08 Dec, 09 Dec, 15 Dec, 16 Dec 2020
  • Mains exam              20th Jan 2019

Following is the IBPS clerk selection procedure

IBPS Clerk Prelims Exam– It carries total 100 questions. The total marks are 100.

You need to crack prelims to reach the mains CWE.

A cut-off will be declared by the concerned authority stating the passing marks, on the basis of which candidates are shortlisted.

You will get notified for the result also you can check it online.

There is a provision of negative marking for every wrong answer.

0.25 marks will be subtracted as a penalty.

In case you are not able to attempt your entire paper, you will be not allotted any extra time.

You are required to complete the paper within the duration. The duration is one hour.

IBPS Clerk mains

 The main examination constitutes total 190 question from four sections that is

  • Reasoning
  • Computer aptitude
  • General awareness
  • English language

The duration to complete the examination is 160 minutes.

There is also the scheme of negative marking for every wrong answer.

Each student is requiring to score minimum marks to be considered eligible for the final interview round.

After qualifying the mains examination, you will get shortlisted for the final interview round.

Final IBPS selection

If by God’s grace you qualify the main exam with a required decent score, thus matching every ground of selection procedure set by IBPS like desired cut-off, verification of document that you are finally selected as a government bank officer.

How to become an IBPS Clerk Officer?

Students frequently asked this question.

In order to clear your doubts and queries, I am giving you a standard requirement of a clerk by the department. Let’s have look at the following;

  • Educational qualification- student must have degree/ diploma in any discipline from the authorized university
  • Age limit for banking clerk post is 20-30 years
  • Must be proficient in the local language
  • Basic computer skills/ computer certificate


I hope you this complete guide regarding IBPS clerk job profile helps you a lot to understand the clerk post salary and work structure. If you like it don’t hesitate to share it among your friends.

Also, if I skipped anything above then you can comment your suggestion through the below-given comment box. Your suggestion and views are of utmost importance. We will try our level best to sort out your queries at an earliest.

I hope the deserving candidates will able to make it through and reach the finals. All the best for your future endeavors.

Good luck!


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