Government and bank job salaries 2026: in-hand pay by post
Thirteen posts priced from their published pay levels and scales, with gross and in-hand computed for X, Y and Z cities.
Every page in this section prices a government or bank post from its published pay level or scale — the 7th CPC matrix with DA at 60% from January 2026, or the 12th Bipartite Settlement for banks with DA at 27.83% — and computes gross and in-hand pay for X, Y and Z cities with the deductions shown line by line. Nothing is quoted from forums or job boards. The table gives the headline figure; each page has the full structure, allowances, promotion ladder and how to join.
- 13 posts, each priced from its published pay level or bank scale
- DA 60% (central) from January 2026; bank DA 27.83% for Aug–Oct 2026
- In hand = gross − employee NPS − CGHS − typical professional tax
- 8th Pay Commission constituted 3 Nov 2025; report expected mid-2027
Government and bank salaries, side by side
| Post | Pay level or scale | In hand at entry |
|---|---|---|
| Loco Pilot | Assistant Loco Pilot: Pay Level 2, basic ₹19,900 | about ₹36,586 (X city), ₹33,876 (Y), ₹31,886 (Z) before running allowance |
| Station Master | Pay Level 6, basic ₹35,400 — the highest NTPC graduate-level post | about ₹67,156 (X city), ₹60,736 (Y), ₹57,196 (Z) |
| SSC GD Constable | Pay Level 3, basic ₹21,700 for GD constables in all CAPFs and Delhi Police | about ₹43,068 (X city), ₹38,018 (Y), ₹35,848 (Z) |
| Income Tax Officer | Inspector of Income Tax: Level 7, basic ₹44,900 — in hand about ₹83,036 (X city) | Inspector about ₹83,036, Officer about ₹87,734 (X city) |
| Stenographer | Grade C: Level 6, basic ₹35,400 — in hand about ₹66,706 (X city) | Grade C about ₹66,706, Grade D about ₹49,680 (X city) |
| IBPS Clerk | Basic: ₹24,050, rising by fixed increments to ₹64,480 over the scale | about ₹38,931 a month in a metro; gross about ₹42,205 |
| IBPS PO | Basic: ₹48,480 (JMGS-I), scale to ₹85,920 | about ₹78,667 a month in a metro; gross about ₹85,064 |
| RBI Assistant | Basic: ₹29,000 a month under the revised scale in the February 2026 notification (earlier ₹20,700) | roughly ₹48,000–52,000 after NPS and deductions, depending on city |
| Agniveer | Package: ₹30,000 → 33,000 → 36,500 → 40,000 a month over four years | ₹21,000 in year 1 rising to ₹28,000 in year 4 (70% of the package) |
| GDS | BPM: TRCA ₹12,000 + DA 60% = ₹19,200 a month at entry, slab up to ₹29,380 | BPM about ₹19,200, ABPM about ₹16,000 (TRCA + DA) |
| Assistant Professor | Academic Level 10, entry basic ₹57,700 (UGC 7th CPC scales) | about ₹1,11,068 (X city), ₹99,538 (Y), ₹93,768 (Z) |
| Nursing Officer | Nursing Officer (AIIMS, central hospitals): Pay Level 7, basic ₹44,900 | about ₹92,036 (X city), ₹84,666 (Y), ₹80,176 (Z) |
| Chartered Accountant | ICAI campus placement, April–May 2026: average about ₹13 lakh, floors ₹7.2–20 lakh | campus average about ₹1,02,180 a month in hand on a ₹13 lakh package; floors ₹7.2–20 lakh |
How to read these pages
In-hand means what reaches the bank after the employee’s NPS contribution, CGHS where it applies and a typical ₹200 professional tax; it excludes post-specific allowances such as running allowance, ration money or risk allowance unless the page says otherwise, and it excludes the government’s own 14% NPS contribution, which is retirement money rather than pay. X cities are Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Hyderabad, Pune and Ahmedabad. For a private-sector CTC, the LPA to in-hand page and the salary calculator do the same job.
The 8th Central Pay Commission was constituted by notification on 3 November 2025 under Justice Ranjana Prakash Desai, with an 18-month mandate; its report is expected around mid-2027 and revised pay is conventionally effective from 1 January 2026 with arrears. Nothing on this page changes until that report is accepted — the fitment factor and new matrix are not yet decided, whatever a “8th CPC salary” headline claims.
What a given fitment factor would do to a 7th CPC basic, and why the factor overstates the rise once DA is merged, is worked through on the 8th Pay Commission section of the hike calculator.
Common questions
Among posts on this site, Assistant Professor at Academic Level 10 (₹57,700 basic) and Income Tax Officer at Level 8 (₹47,600) lead; among exam-entry posts, Income Tax Inspector and Nursing Officer at Level 7 (₹44,900) and IBPS PO (₹48,480 bank basic).
60 percent of basic from 1 January 2026, up from 58 percent; the July 2026 revision is normally announced in October.
The commission was constituted on 3 November 2025 with an 18-month mandate; its report is expected around mid-2027, with revised pay conventionally effective from 1 January 2026 and paid with arrears once accepted.
- Department of Expenditure — 7th CPC pay matrix and allowances
- Ministry of Finance — DA 60% from 1 January 2026
- Indian Banks’ Association — 12th Bipartite Settlement
Verified on 27 September 2026. General information; individual pay depends on posting, allowances and service.