12th & 13th Bipartite Settlement Salary Calculator 2026
Quick Answer: 12th vs 13th BPS Salary
The 12th Bipartite Settlement (BPS) provided a 17% salary hike and unified HRA at 10.25% for current bank employees. For the upcoming 13th BPS expected in 2027, employees are anticipating a further 15% to 20% wage increase through revised fitment factors and DA mergers.
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📊 Detailed BPS Payroll Breakdown
| Salary Component | Monthly (Rs.) |
|---|---|
| Basic Pay (BPS Scale) | ₹24,050 |
| Special Allowance | ₹6,373 |
| Dearness Allowance (DA) | ₹8,037 |
| House Rent Allowance (HRA) | ₹2,465 |
| GROSS SALARY | ₹41,775 |
| Pension Contribution (NPS) | -₹3,023 |
| 💰 TAKE-HOME SALARY | ₹38,552 |
Gross vs Deductions vs Net In-Hand
Earnings & Deductions Share
12th vs 13th Bipartite Settlement Expected Salary
The 12th Bipartite Settlement (effective Nov 2022 to Oct 2027) successfully delivered a 17% increase in the payslip cost for PSB staff. It merged 8,088 CPI DA points into the core basic pay.
Talks surrounding the 13th Bipartite Settlement expected salary are already generating interest. Set to apply from November 2027, unions will likely push for a 15-20% hike payload based on the inflation indexed post-2022. It will introduce a revised basic pay chart incorporating future DA mergers.
12th BPS Officer & Clerk Salary Chart (Scale 1 to 4)
The basic pay structure determines all other allowances and deductions. Below are the starting minimum basic pay levels formalized in the 12th BPS and 9th Joint Note:
- Bank Clerk Salary: Basic pay starts at ₹24,050.
- Officer Scale 1 Salary: Entry-level JMG Scale 1 officers start at ₹48,480.
- Officer Scale 2 Salary: MMG Scale 2 managers begin at ₹64,820.
- Officer Scale 3 Salary: Senior MMG Scale 3 officers start with a basic pay of ₹85,920.
- Officer Scale 4 Salary: Chief Managers in SMG Scale 4 begin at ₹1,02,150.
Allowances: Fitment Factor, Special Allowance & HRA
Your final gross salary depends explicitly on three major allowance components revised during the 12th bipartite settlement:
- House Rent Allowance (HRA): The tier system (Area 1, 2, 3) was abolished. Every bank employee now receives a unified strict 10.25% of Basic Pay as HRA if they don't use bank-leased quarters.
- Special Allowance: Set between 26.5% and 31.5% of your basic pay depending on the scale. For Clerks and Scale 1 Officers, it is exactly 26.5%. This allowance receives DA but is NOT factored into Pension or PF contributions.
- Fitment Factor: The final 17% hike agreement relied on a 3% loading factor applied directly over the DA-merged salary to create the final 12th bipartite pay scales.
Frequently Asked Questions
What is the expected salary increase in 13th Bipartite Settlement?
What is the 12th Bipartite Settlement clerk salary?
What is the Scale 2 salary in bank under 12th BPS?
How is HRA calculated in bank under 12th Bipartite settlement?
What is the Bank Officer Salary (Scale 1) in 12th Bipartite Settlement?
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Rohit Kushwaha
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I'm Rohit Kushwaha, a Software Engineer with 3+ years of experience in developing web applications and digital solutions. By combining technology with practical financial tools, I built mysalarycalculator.in to help Indian professionals easily understand their salary, taxes, EPF, gratuity, and take-home income.
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