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Institute of Banking Personnel and Selection( IBPS) has released the notification for the post of Specialist Officers(SO) in the month of June 2025. Unlike Probationary Officers, Specialist Officers are bound to have less work pressure. In this article, we will discuss the complete IBPS SO Job Profile including salary and career growth of IBPS Specialist Officer(SO). Knowing the work profile, salary and other details are really important in selecting your posts. Check the IBPS SO notification for 2025.
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IBPS Specialist Officer Job Profile 2025
The Institute of Banking Personnel Selection (IBPS) will conduct a recruitment drive this year for selecting eligible and suitable candidates for the posts of Specialist Officer (SO) in various banks across the country. The recruitment will be conducted in three stages- The Preliminary Examination, The Mains Examination, and Interview. The major specialist officer vacant posts available for the candidates this year are mentioned below:
- Agricultural Field Officer
- I.T. Officer
- HR/Personnel Officer
- Law Officer
- Marketing Officer
- Rajbhasha Adhikari
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IBPS SO Roles and Responsibilities 2025
1: What does the acronym "ATM" stand for in banking?
Following are the IBPS SO duty and ibps so responsibilities to be carried out:
1. Agriculture Field Officer
The main responsibility of an AFO is the promotion of rural banking. Understanding and maintaining the financial need of the rural population. They are also assigned to give information about the new schemes and benefits provided by banks and other financial institutions to the people. The SO’s are also committed to giving loans and making sure that timely repayment is done by the beneficiaries.
2. IT Officer
They plan one of the most crucial roles in Specialist Officers. As the banking sector is completely switching on to digital banking, they are assigned to resolve queries to ATMs, and other mobile and digital banking. They are also responsible to develop software and programs to help in smooth functioning and better customer support. These include maintaining the security of the whole banking process like preventing any fraudulent activities, virus attacks etc.
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3. HR/Personnel Officer
They are assigned the duty of keeping track of Human Resource Activities. Also, they should keep the complete details about the employees, their salaries and promotion criteria. Moreover, they are also assigned in the recruitment process, where they should estimate and report the number of retirements and vacancies for the next year to the higher officials concerned.
4. Law Officer
The legal Officer handles all the legal matters of the bank. They also take care of any court proceedings related to the bank. They are also responsible for the authenticity of the different documents issued by the bank. Ensuring the genuinity of the documents filed by the customers is also their responsibility.
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5. Marketing Officer
They are assigned to the promotion activities of the bank and hence attract more customers. They have to suggest cost-effective tips to cut down the expenses and hence increase the profit.
6. Rajabhasha Adhikari
They train the employees in the local language. They are also responsible to translate documents of the bank to the local language of the concerned region for a better understanding of the people.
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The hierarchical order of the career growth of an SO is as follows.
- Junior Management- Scale 1, Officer/ Assistant Manager
- Junior Management- Scale 2, Manager
- Middle Management- Scale 3, Senior Manager
- Senior Management- Scale 4, Chief Manager
- Senior Management- Scale 5, Assistant General Manager
- Top Management- Scale 6, Deputy General Manager
- Top Management- Scale 7, General Manager
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Retirement Details
Among the many benefits offered by banking careers, retirement benefits have also been one of the reasons which have tilted the scales in the favour of Bank Jobs, motivating more and more government job aspirants to take up bank recruitment exams.
IBPS SO Job Profile 2025 Salary Details
IBPS SO Basic Pay is Rs 23,700. The work of an IT Officers handle deals with software maintenance of Core Banking System (CBS), Data Maintenance, Network Security, Management of Mobile and Internet Banking, Digital Transactions and other technical issues, etc.
The Salary structure of IBPS SO IT Officer is as follows:
Basic Pay: 23700 – 980 (7) – 30560 – 1145 (2) – 32850 – 1310 (7) – 42020.
Besides this, IT officers also get other benefits like Dearness Allowance, House Rent Allowance, Special Allowance etc. This salary structure is almost similar to IBPS PO.
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Join Now!Inhand Salary for IBPS SO
The In-hand salary of IBPS SO Officer depending upon the city they are posted are as follows:
- The In-hand salary for IBPS SO in Metro Cities- Rs 30758/-
- The In-hand salary for IBPS SO in State Capitals- Rs 30448/-
- The In-hand salary for IBPS SO in Rural Areas- Rs 29927/-
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IBPS SO Allowances 2025
| Allowances | Income |
| Dearness Allowances | It is basically the cost of living that is provided by the bank. It is 36 % of Basic Pay which comes down to Rs 8605.88 |
| House Rent Allowances (HRA) | This allowance depends on the area being posted hence c can vary from 7-9 % depending upon which city the candidate is posted |
| Special Allowances | It is defined as the performance bonus or Incentives which an individual gets on performing exceptionally good. It is 7.75 % of the Basic Pay |
| City Compensatory Allowances (CCA) | It is given in consideration of the high cost of living in metropolitan areas and depends on the city in which they are posted. It is 3-4% depending on the city you are posted in. |
| Provident Fund (PF) Contribution | It is a part of a candidate’s monthly income which is saved so that the candidate can claim it after retirement. It is Rs 3000-3500 per month |
IBPS SO 2025 Promotions
IBPS SO growth opportunities are decent and will be quite beneficial if your performance is consistent and you follow your responsibilities rigorously. The promotions in the case of IBPS SO or the IBPS SO career growth are as follows :
| Post | Basic Pay |
| Officer Scale I |
23700-980(7)-30560-1145(2)-32850-1310(7)-42020.
|
| Officer Scale-II |
31705-1145(1)-32850-1310(10)-45950.
|
| Officer Scale III |
42020-1310(5)-48570-1460(2)-51490.
|
IBPS SO offers a good amount of salary to its employees. Other than a good salary, it also provides many perks to the employees. The additional perks include medical allowance, house and furniture allowance, entertainment allowance, newspaper allowance. For all these activities, the bank will be providing its employees with some fixed amount every month.
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Join Now!Frequently Asked Questions
What is the IBPS Specialist Officer (SO) exam, and which posts are included?
The IBPS SO exam is conducted to recruit Specialist Officers for various roles in banks. It includes positions such as Agricultural Field Officer, IT Officer, HR/Personnel Officer, Law Officer, Marketing Officer, and Rajbhasha Adhikari. Each role has unique responsibilities based on the domain. The recruitment process involves Prelims, Mains, and Interview rounds. Selection is based on performance in all three phases.
What are the roles and responsibilities of an IBPS SO?
Each SO role has different responsibilities based on the department. For instance, IT Officers handle banking software, security, and digital issues. Law Officers manage legal matters and documentation. HR Officers oversee recruitment, employee records, and internal HR policies. Marketing Officers promote banking services and bring in new customers.
What is the salary and in-hand pay of an IBPS SO ?
The basic pay for IBPS SO starts at Rs. 23,700 per month. With all allowances included, the in-hand salary varies by location. In metro cities, the salary is around Rs. 30,758. In state capitals, it’s about Rs. 30,448, and in rural areas, it is approximately Rs. 29,927. Allowances include HRA, DA, Special Allowance, and Provident Fund contributions.
What is the career growth path for IBPS Specialist Officers?
The career hierarchy starts with Officer Scale I and goes up to General Manager. Promotions occur based on performance, service period, and internal exams. The typical path includes roles like Assistant Manager, Manager, Senior Manager, and Assistant General Manager. Consistent performance helps in faster career progression. The banking sector provides stable growth and leadership opportunities.
What perks and benefits are offered to IBPS SO employees?
Apart from salary, IBPS SOs get allowances like HRA, DA, and CCA. They are also eligible for perks like medical allowance, entertainment allowance, and newspaper allowance. The bank contributes to their Provident Fund monthly. These benefits provide financial security and work-life balance. Post-retirement benefits also make this career attractive for aspirants.
