IBPS AFO Salary 2026 In Hand & Pay Scale
The IBPS AFO Salary 2026 follows the Junior Management Grade Scale-I (JMGS-I). Candidates receive an initial basic pay of ₹48,480, with a total gross salary reaching up to ₹77,000+ depending on allowances and city category.
Starting Basic
₹48,480
Estimated In-Hand
₹62,035
Max Basic Pay
₹85,920
Official Pay Scale String
₹ 48480 - 2000/7 - 62480 - 2340/2 - 67160 - 2680/7 - 85920
Official increments & perquisites applied as per Participating Bank rules in force.
Monthly Allowances
| Allowance Component | Approx Value |
|---|---|
| Dearness Allowance (DA) | ~36% of Basic |
| House Rent Allowance (HRA) | 7% - 9% |
| Special Allowance | 7.75% of (Basic + DA) |
| Lease Accommodation | Up to ₹29,500 |
| Gross Monthly CTC | ₹77,034+ |
IBPS AFO Job Profile
An Agriculture Field Officer (AFO) acts as the bridge between the bank and the rural economy. Primary responsibilities include loan verification, credit analysis for agri-finance, conducting field visits, and ensuring the successful implementation of government agricultural schemes.
Professional Perquisites
Medical Aid
Travel/Fuel
Housing/News
LFC/LTC