The SBI CBO Salary 2025 update has brought good news for aspirants aiming to join India’s largest public sector bank. The State Bank of India (SBI) has officially released the new salary structure via the SBI CBO Notification 2025, which includes 2964 vacancies. Since salary remains one of the most influential factors when choosing a job, candidates must know every detail related to pay, allowances, and responsibilities. Hence, this blog presents the full breakdown of the SBI Circle-Based Officer Salary 2025.
SBI CBO Salary 2025 – Key Updates
SBI has revised the salary structure for Circle-Based Officers in 2025. Earlier, selected officers received an in-hand salary between Rs. 50,000 to 52,000. However, the new SBI CBO Salary 2025 confirms that the in-hand salary has increased to Rs. 70,000 to 72,000 per month. Additionally, SBI includes one increment for each completed year of prior officer service in a Scheduled Commercial or Regional Rural Bank.
SBI Circle-Based Officer Salary Structure 2025
SBI follows a defined and growth-oriented salary structure for its CBOs. The starting basic pay for 2025 has been revised to Rs. 48,480 under the Junior Management Grade Scale-I, with structured increments.
Pay Scale: Rs. 48480-2000/7-62480-2340/2-67160-2680/7-85920
| Allowance | Amount |
| Pay Scale | 48480-2000/7-62480-2340/2- 67160-2680/7-85920 |
| Basic Pay | Rs. 48480 |
| Net Salary | Rs. 70000- 72000 |
This new pay scale makes the CBO post much more financially rewarding than before.
SBI CBO In-Hand Salary 2025
The in-hand salary includes various components such as Basic Pay, DA, HRA, City Compensatory Allowance, among others. After factoring in standard deductions like PF and pension, the actual take-home salary lies between Rs. 70,000 – Rs. 72,000, depending on the location of posting.
SBI CBO Salary 2025 – Allowances and Benefits
Apart from the attractive salary, SBI Circle-Based Officers enjoy several perks and allowances, which increase their overall compensation. Below is a detailed table of all the benefits
| Allowance | Amount |
| Dearness Allowance | 46.9% of the Basic Pay |
| City Compensatory Allowance | 3% – 4% depending on location |
| House Rent Allowance | 7% – 9% depending on the Place of Posting |
| Medical Insurance | 100% covered for employee | 75% covered for dependent family |
| Travelling Allowance | The AC 2-tier fare is reimbursed to the employee for official travel |
| Petrol Allowance | INR 1,100 – 1,250 |
| Newspaper Allowance, Entertainment Allowance, Books Allowance, etc. | Varies based on Cadre |
Moreover, SBI extends several exclusive benefits, such as:
- Concessional loan interest rates (Housing/Car/Personal)
- Leave Fare Concession (LFC)
- Leave Travel Concession (LTC)
- Pension benefits under both old and new pension schemes
SBI CBO Job Profile and Responsibilities
In addition to the salary, the job role of a Circle Based Officer is both challenging and vital for the bank’s operations. Selected candidates must take on important responsibilities, including:
- Overseeing core banking functions in the assigned circle or branch.
- Approving and monitoring loan proposals within policy guidelines.
- Ensuring smooth daily operations in the respective bank branch.
- Maintaining strong customer relationships and delivering quality service.
This role provides excellent exposure to the functioning of public sector banks and prepares officers for leadership roles.
Conclusion
To conclude, the SBI CBO Salary 2025 makes it very clear why this post has become so competitive. With a revised starting salary of Rs. 70,000 – Rs. 72,000, coupled with impressive allowances and long-term growth prospects, the SBI CBO role offers excellent financial and career security. Therefore, candidates planning to apply for the post must consider the overall benefits before making their final decision. Start your preparation confidently, knowing the reward matches the effort.
FAQs on SBI CBO Salary 2025
Q1. What is the updated in-hand salary for SBI CBO in 2025?
The in-hand salary now ranges from Rs. 70,000 to Rs. 72,000 per month.
Q2. What allowances are provided to SBI CBOs?
Allowances include Dearness Allowance, HRA, City Compensatory Allowance, Travel Allowance, and Medical Insurance.
Q3. What is the starting basic pay for a Circle-Based Officer?
The revised basic pay starts at Rs. 48,480.
Q4. What additional benefits do SBI CBOs enjoy?
They receive housing loan concessions, LFC, LTC, and pension benefits.
Q5. What are the main duties of an SBI CBO?
They manage core banking tasks, approve loans, handle branch operations, and maintain customer relationships.