IBPS PO 2025: Everything You Need to Know with Revenue, Salary, Expenses & Balance Sheet

A complete guide to IBPS PO 2025 job role, salary structure, income vs expenses, exam pattern, and sample balance sheet explained in simple terms.

📘 What is IBPS PO?

IBPS PO is a job for the post of Probationary Officer in various public sector banks. The recruitment is conducted in three stages:

  1. Preliminary Exam

  2. Main Exam

  3. Interview

After clearing all stages, selected candidates undergo training and probation in the bank.


📅 IBPS PO 2025 Exam Overview

Feature Details
Exam Name IBPS PO 2025
Conducting Body Institute of Banking Personnel Selection
Vacancy (Expected) 4,000+
Mode of Exam Online (CBT)
Job Location Across India
Official Website www.ibps.in

 


💼 Job Role of an IBPS PO

An IBPS PO works as a junior manager in a bank, handling:

  • Customer service

  • Loan processing

  • Report generation

  • Handling daily transactions

  • Supervising clerical staff


💰 IBPS PO Salary Structure (2025)

Let’s break down the typical monthly in-hand salary of a newly joined Probationary Officer:

Component Amount (₹)
Basic Pay 36,000
DA (Dearness Allowance) 12,000
HRA (House Rent Allowance) 3,240
City Compensatory Allowance 1,400
Special Allowance 5,904
Total (approx) ₹58,000/month

 

Net in-hand salary after deductions is around ₹52,000–₹54,000 depending on the city and allowances.


🧾 Financial Report for an IBPS PO (Annual)

Here’s a sample annual income and expense report of an IBPS PO based on current structure:

Annual Revenue

Income Source Amount (₹)
Basic Salary 4,32,000
Allowances & Perks 1,92,000
Bonus (approx) 25,000
Total Annual Income ₹6,49,000

 

Annual Expenses (Estimate)

Expense Category Amount (₹)
Rent/Accommodation 96,000
Food & Living Expenses 84,000
Travel & Commute 24,000
Insurance, Loans, EMI 60,000
Miscellaneous 36,000
Total Expenses ₹3,00,000

 


📊 Sample Balance Sheet (IBPS PO - Individual)

Assets Liabilities
Cash in Hand/Bank (Savings) Education Loan (if any)
Fixed Deposits EMI Payables (Phone, Bike)
Provident Fund Accumulation Credit Card Dues
Gold or Property (if owned) Miscellaneous Payables
Total Assets: ₹4.5–6 Lakh Total Liabilities: ₹1–2 Lakh

 

Note: Values are illustrative and may vary depending on personal choices.


🧑‍🎓 Who Can Apply?

Eligibility Criteria:

  • Age: 20 to 30 years (Relaxation for reserved categories)

  • Education: Graduation in any discipline from a recognized university

  • Nationality: Indian citizens


📝 Exam Pattern (Quick Overview)

Preliminary Exam:

  • English: 30 Questions (20 min)

  • Quantitative Aptitude: 35 Questions (20 min)

  • Reasoning: 35 Questions (20 min)

Mains Exam:

  • Reasoning & Computer Aptitude

  • General/Economy Awareness

  • English Language

  • Data Analysis & Interpretation

  • Descriptive Test (Essay + Letter)


✅ Advantages of Being a PO

  • Government-backed stable job

  • Growth opportunities up to General Manager level

  • Pension benefits and gratuity

  • Housing loan at low interest

  • Social respect and prestige


📢 Disclaimer

This blog is for informational purposes only. Financial figures are approximate and may vary by bank, location, and government updates. For official details, visit the IBPS website.

Frequently Asked Questions

What is the full form of IBPS PO?

IBPS PO stands for Institute of Banking Personnel Selection – Probationary Officer. It’s an entry-level officer position in public sector banks.

What is the salary of an IBPS PO in 2025?

The monthly in-hand salary of an IBPS PO is approximately ₹52,000 to ₹58,000 depending on the location and bank-specific allowances.

Who can apply for the IBPS PO exam?

Any Indian citizen who has completed graduation and is between 20 to 30 years of age can apply. Age relaxation is available for reserved categories.

How many stages are there in the IBPS PO selection process?

There are three stages: Prelims (qualifying) Mains (merit-based) Interview (final stage)

Is there negative marking in IBPS PO exams?

Yes, there is a 0.25 negative mark for each wrong answer in both Prelims and Mains exams.