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JAIIB & CAIIB Salary, Allowances and Job Profile

Topics Covered: JAIIB & CAIIB Salary, Salary Structure, Salary Increments, Allowances & Additional Benefits, In-Hand Salary, Annual Package, & Job Profile

Talking about exams that provide valuable offers to avail early promotions and growth for banking professionals, it is certainly the JAIIB and CAIIB examination that flash in my mind. 

The IIBF has initiated these above-mentioned exams for bank employees as an opportunity to not just attain early progress in their careers but also gain confidence with the advanced knowledge about banking field which these exams propose.  

That being said, passing the JAIIB exam is the first step towards progression in your work field.

After doing so, if you desire more growth opportunities, you can prepare to crack the CAIIB examination.  

In addition to salary increments, promotions and other benefits, comes greater responsibilities in their respective work profiles which will equip the candidates with better decision-making skills in the banking and finance sector.  

So, with all the facts discussed above, I am sure you are curious to know more details regarding the salary structure and job profile of the selected candidates.  

Well, worry not, because in this blog, I will provide an in-depth discussion about the salary after JAIIB and CAIIB exam, increments, allowances and the job profile after qualifying the exams. 

So, without wasting more time, let us dive deep into it! 

Table of Content – JAIIB & CAIIB Salary, Allowances and Job Profile 

JAIIB Salary  

Qualifying for the JAIIB exam will provide many advantages to the selected individuals and one of the major facets is the increase in JAIIB salary. 

A large number of bank employees aspire for the exam, as it presents an opportunity to become eligible for salary increment and allowances.  

In addition to this, the candidates also acquire more knowledge about banking which also helps in execution of their additional roles and responsibilities.  

Now, there are many aspects of JAIIB salary composition such as – basic pay, increments, allowances and job profile which I am going to explain in the following sections. 

Before we proceed, you can check the list of recommended JAIIB books that I have compiled for your exam preparation.  

JAIIB Salary Structure 

Talking about the salary structure after clearing JAIIB examination, there are various aspects that candidates can look at to get a better picture of the same.  

Pay Scale of JAIIB  

To begin with, as the JAIIB exam is essentially an increment exam, there is no fixed salary structure with reference to this work profile.  

Hence, the salary and increments stated for the employees that come along after clearing the exam will vary from bank to bank.  

In reference to this, professionals working as bank clerks in metropolitan cities or urban regions may get paid more salary compared to employees working in rural or remote areas of the country.  

Giving you a brief example of pay scale and salary increment after JAIIB, if a bank clerk is getting a basic pay scale of Rs. 11, 765, then after clearing the exam, he/ she is entitled to receive an increment of Rs.  655 to the basic pay. 

This would add up to a total: 

  • For Example: Rs. 11,765 + Rs. 655 = Rs 12,420  

Now, that I will move on to the next section, you can know the latest JAIIB syllabus by clicking on the link.  

JAIIB Salary Increments 

An important aspect of the JAIIB salary component for working employees is the increment allotted along with the basic salary and for this exam, the JAIIB salary increment is one of its major highlights.  

As is the case for any job, increments added to the basic pay motivates employees to work harder in their respective fields.  

After getting selected for the JAIIB, professionals working in banking sector are eligible for increment in the salary which are of two types: 

Bank Clerk salary after JAIIB :

  • For a candidate working as an employee of clerical grade will get 1 increment in his/her salary. 

Bank PO salary after JAIIB :

  • An employee working as a bank officer shall receive 1 increment to his/ her basic pay. 

If going through the salary increments has got you interested, then you can check the JAIIB mock test to strengthen your preparation.  

JAIIB Allowances 

Along with the JAIIB Salary increment, the employees are also eligible for the facilities provided in the form allowances after clearing the JAIIB exam.  Following are the allowances given to the selected candidates: 

  • Dearness allowance: The IIBF has come up with provision of Dearness allowance in the salary structure for JAIIB, which is calculated as an estimation of the inflation and is offered to government employees and professionals working in public sector.  
  • House rent allowance: To compensate for accommodation costs, the House rent allowances (HRA) are also offered to the bank employees. However, this allowance offered can vary depending upon the accommodation cost incurred by the employees.  
  • Transport allowance: This allowance is granted as a fixed sum of money for staff members of the bank, while it is claimed as reimbursement for the cost of petrol incurred by those working as bank officers. The transport allowance is fixed and is counted in dearness allowance for central government bank employees.  
  • Provident Fund: The provision of Provident Fund is also a part of the salary component given for the employees to utilize.  
  • City compensatory allowance: This allowance is provided as a compensation for the higher cost of living incurred by the employees living in metropolitan cities.  
  • Special allowance: To meet certain requirements, special allowance is a fixed amount offered to the employees in addition to the basic salary.  
  • Financial Security: The employees of the banking sector are also entitled for the provision of financial security of the job.  

Apart from all these facilities, medical leaves and pensions are also granted for bank employees.  

If you want to know details about the updated JAIIB exam pattern for Paper 1 to 4, you can visit my page on the same. 

JAIIB Job Profile 

In addition to getting acquainted with the knowledge about banking and finance fields, the candidate is also eligible for an early promotion in their career after clearing JAIIB exam.  

These promotions mentioned are specifically present for the two kinds of posts which are the following: 

Clerk Post 

  • The employees working on a clerical grade will be promoted to the level of probationary officers (PO) with additional responsibilities like dealing with cash balance, loan documentation and cross – checking clerical work.  

Officers Post 

  • The candidates who are working as Probationary officers (PO) in the bank will either be promoted to Managerial level or continue to remain at the same level with higher salary and more responsibilities such as loan sanctioning, developing and promoting good products through perspective of the bank.  

In the next section, I will be discussing all the details regarding CAIIB salary.  

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CAIIB Salary  

To be eligible for availing all the benefits that come with cracking CAIIB exam, the candidates must have had passed the JAIIB exam.  

Depending upon their respective job profiles in the bank, the employees are entitled to increments in their salary after qualifying the CAIIB exam.  

While the increase in the salary comes in the form of increments and a list of allowances, there are also many non- monetary benefits which are granted to the qualified individuals.  

Likewise, the case of JAIIB, the bank employees will have their job profiles updated and gain advanced knowledge in the banking field after getting selection in the CAIIB merit list.  

In the following sections, I will be discussing all aspects about the CAIIB salary which would include – the salary structure, in-hand salary, increments, allowances and non-monetary benefits.  

CAIIB Salary Structure 

To understand better about the salary composition for candidates who have qualified CAIIB, there are few points that the aspirants need to take note of: 

  • The increment to the salary for selected candidates will vary depending upon whether the candidate is serving as bank clerk or as an officer.  
  • While the employee working on a clerical is entitled to two increments in their basic pay, the bank officers will receive only one increment in their salary.  
  • In addition to this increment, the candidates shall also receive several non- monetary benefits.  

Now, there are various aspects of the salary structure for an employee after clearing CAIIB exam which I am going to discuss in detail in the subsequent sections.  

CAIIB In-Hand Salary 

The In- hand salary of the selected candidates for CAIIB increases compared to their previous pay. Also, those who apply for bank jobs after passing the CAIIB examination are eligible for higher salary. There are two distinct types of increments provided by IIBF: 

For Clerk Grade employees  

  • Employees working as clerks in the bank are eligible for two increments in their salary after clearing the exam. This would then make the salary of a bank clerk as follows: 

Rs. 11, 765 + Rs 655 x 3 (Increments) = Rs 13,730 /- (Basic) 

For Officer Grade Employees  

  • The candidates serving at officers’ level in the bank will get one increment in their basic pay after qualifying the exam.  

CAIIB Salary – Annual Packages 

As there will be an increase in the monthly income, the candidates who have cleared the CAIIB exam shall receive a higher annual package.  

In reference to this, the annual income of a bank clerk after clearing the exam is approximately, Rs 1,64,760.  While, after getting selected, the employees working on officers’ level are eligible for only one increment in their basic pay. 

CAIIB Allowances 

The selected candidates for CAIIB are provided with a host of allowances along with the increments in the basic pay. The salary structure, after passing the exam, consists of the following allowances: 

  • House Rent Allowance (HRA) 
  • Dearness Allowance (DA) 
  • Medical Allowance  
  • Conveyance Allowance  
  • Deputation Allowance  
  • Refreshment Allowance ‘ 
  • Provident Fund  
  • Subsistence Allowance  
  • Child Care Allowance 
  • Child Education Allowance  
  • TA  
  • Subsidized Bills  
  • Briefcase Allowance  

CAIIB Salary – Additional Benefits 

Alongside the increment and allowances, there are some additional facilities and benefits that the candidates are entitled to after clearing the exam. The following is the list of additional benefits: 

  • Maternity leave 
  • Parental Leave  
  • Health Insurance  
  • Medical facilities  
  • Professional career development  
  • Bonus  
  • Eligible for internal promotion  
  • CAIIB accreditation provides advanced knowledge which helps bankers in better decision making in the fields of Risk Management, Treasury Management, Credit Management, Balance sheet Management, Economic analysis, International banking and so on.  

CAIIB Job Profile 

After clearing the examination, there is an upgradation in terms of roles and responsibilities of bank professionals. The job profile of the candidates who are selected in the CAIIB merit list is as follows: 

Bank Clerks  

  • Verify the documents handed over by the customers and carefully check them for authentication.  
  • Responsible for looking after important bank documents regarding the cash and keys.  
  • Guide the customers about the functioning of the bank and different policies of the respective banks.  
  • Issue bank receipts, demand drafts as well as new accounts for the customers.  

Bank Officers  

  • Supervise all the opening and closing of bank accounts.  
  • Maintain a good rapport and affinity with the customers.  
  • To inspect the eligibility of a customer for loan application.   
  • To stay updated with knowledge about recent bank policies.  

Along with these additional roles, the candidates qualified for CAIIB will receive advanced knowledge in their field of work.  

Gaining this knowledge will help them in better decision making in day-to-day banking operations, especially in fields of Risk Management, Treasury Management, International Banking, Credit Management and so on.  


Now, that we have arrived at the conclusion of this section, I hope you find the extensive discussion on this topic helpful for increasing your knowledge about the exam.

In this blog, I have talked about all details regarding JAIIB and CAIIB salary, allowances and job profile. It’s time for me to say a goodbye to you and wish you all the luck for your future endeavors! 

Keep growing! 

CEO of Anujjindal.in

About Anuj Jindal


Anuj Jindal, the founder, is an ex-manager from SBI, with an M.Com from Delhi School of Economics. He also has a JRF in Commerce & Management and NET in HRM, along with more than 5 years of experience in the field of Education.

FAQs: JAIIB & CAIIB Salary, Allowances and Job Profile

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    What is the in-hand salary of bank clerk after qualifying the JAIIB?

    The in – hand salary of a clerk after clearing the JAIIB exam is as follows: 

    • Rs 11, 765 + Rs 655 (1 increment) = Rs 12, 420 
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    What are the advantages of clearing JAIIB exam?

    Some of the benefits of clearing the JAIIB examination include –  

    • Increments to the basic salary  
    • List of allowances provided 
    • Upgradation of work profile  

    If you want to know more details regarding the benefits of passing the JAIIB exam, then you go check the blog above.

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    How many increments in salary are granted after clearing JAIIB Exam?

    There are two distinct types of increments that are provided to candidates after passing the JAIIB exam, which are: 

    • For bank clerks, there is one increment provided to their basic pay 
    • Employees working as bank officers are eligible for one increment in their salary.  
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    How many increments are provided in the salary of a bank clerk after clearing the CAIIB Exam?

    The candidates working on clerical level are eligible for two increments in their salary after qualifying the CAIIB exam.  

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    What is the CAIIB Salary of an employee working as a bank officer?

    The CAIIB salary of employees working as bank officer will include one increment to their basic pay scale.  

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    What is the salary increment in the case of a clerk after qualifying CAIIB exam?

    After clearing the CAIIB exam, employees serving as bank clerks shall be provided with two increments to the basic income.

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    Will my salary increase after giving the CAIIB Exam?

    Yes, Depending upon your job profile in the bank, you will receive a higher salary after passing the CAIIB exam.  

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    Will CAIIB salary increments be the same for everyone?

    No, after clearing the CAIIB examination, the candidates will be eligible for increment in salary depending on their position in the bank- which are of two distinct types  

    • For employees working as bank clerks, he/she will be eligible for two increments in their basic pay 
    • For employees working as probationary officers, he/she will be entitled for one increment in their salary
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    Who are eligible for CAIIB Exam?

    The candidates who serving in bank either as Probationary officers or as clerks and have successfully cleared the JAIIB examination are eligible for giving the CAIIB exam.  

    To know more details regarding exam eligibility, you can click on the latest CAIIB eligibility criteria.  

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