Government jobOwn pay structureGroup NANon‑gazetted
Bank Clerk / Customer Service Associate (IBPS)
बैंक क्लर्क / ग्राहक सेवा सहयोगी (आईबीपीएस)
Clerical post in public sector banks via IBPS — cash, deposits and customer service at the counter, within your chosen state.
Public sector banks participating in the IBPS common recruitment process · bank government
- Exam
- IBPS Clerk
- Qualification
- Graduate
- Age limit
- 20–28 years
- Transfers
- Within the state
- Work hours
- Roughly 10 to 5, with a longer day at month-start and year-end
- Probation
- 6 months
Monthly salary (gross)
₹40,000–₹46,000
Estimate. Starting basic pay is ₹24,050 in the scale ₹24,050–₹64,480 (12th Bipartite Settlement). Gross pay depends on the city and on dearness allowance, which is revised every quarter.
What you will actually do
- Receiving and paying cash at the counter
- Opening accounts and updating customer details
- Processing cheques, transfers, drafts and passbook entries
- Answering customer queries and guiding them to digital channels
- Helping sell deposits, insurance and other products
A typical day
You are at a counter from the time the branch opens, handling a queue of deposits, withdrawals, KYC updates and passbook printing. Cash has to tally at closing or you make up the difference. Pension days and the first week of the month are the busiest. Once the counter shuts, you finish vouchers and leave, usually earlier than the officers.
Promotion path
Timelines are ranges and vary by cadre. See how promotions and MACP work.
Bank Clerk / Customer Service Associate (IBPS) (joining)
Own pay structure
Officer (Scale I)
After 2–3 years (faster with JAIIB/CAIIB) through an internal exam · via departmental exam
Manager (Scale II)
Further 3–5 years · via departmental exam
Promotion timelines vary by cadre and vacancies. If not promoted, MACP gives a pay upgrade after 10, 20 and 30 years.
How to get in
Institute of Banking Personnel Selection
- 1.Preliminary examination (online)
- 2.Main examination (online)
- 3.Local language proficiency test
Eligibility: Bachelor's degree in any discipline, plus the ability to read, write and speak the official language of the state applied for. Age 20–28. SC/ST: 5 years, OBC (non-creamy layer): 3 years, PwBD: 10 years, as per the notification.
The good
- Posting within your own state
- Shorter hours and fewer targets than officers
- Internal exam route to officer
The hard parts
- Cash-handling liability
- Constant customer pressure at the counter
- Pay growth is slow unless you become an officer
Postings
You apply for a specific state or union territory and are posted in branches of the allotted bank within it. Transfers are within the region, usually between nearby branches.
Questions people ask
What is the qualification and age limit for Bank Clerk / Customer Service Associate (IBPS)?+
Bachelor's degree in any discipline, plus the ability to read, write and speak the official language of the state applied for. Age: 20–28 years. Relaxation: SC/ST: 5 years, OBC (non-creamy layer): 3 years, PwBD: 10 years, as per the notification.
Which exam do I need to clear for Bank Clerk / Customer Service Associate (IBPS)?+
IBPS Clerk (Institute of Banking Personnel Selection).
Is knowing the local language compulsory?+
Yes. You are tested on the official language of the state you applied for before joining.
Compare with similar posts
SBI Clerk (Junior Associate)
एसबीआई क्लर्क (जूनियर एसोसिएट)
Clerical post in State Bank of India — counter service and sales support in branches within the state you apply for.
Bank Probationary Officer (IBPS PO)
बैंक प्रोबेशनरी ऑफिसर (आईबीपीएस पीओ)
Entry-level officer in public sector banks via IBPS PO — branch operations, loans and business targets, with transfers every few years.
RBI Assistant
आरबीआई असिस्टेंट
Clerical post in Reserve Bank of India offices — file, data and currency-related desk work in a state capital.
Books to prepare for IBPS Clerk
- See on Amazon
Quantitative Aptitude for Competitive Examinations
R.S. Aggarwal (S. Chand)
The standard practice book for arithmetic. Strong on volume of questions; weak on shortcuts, so pair it with solved papers.
- See on Amazon
Quantitative Aptitude for Competitive Examinations
Abhijit Guha (McGraw Hill)
Closer to bank-exam difficulty than R.S. Aggarwal, with good data interpretation sets.
- See on Amazon
A New Approach to Reasoning: Verbal and Non-Verbal
B.S. Sijwali and Indu Sijwali (Arihant)
Reasoning with the puzzle and seating-arrangement emphasis bank exams have.
All 6 books for Bank exams: IBPS and SBI PO and Clerk, RBI Assistant, LIC AAO
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Sources
This profile is being reviewed. Confirm details in the latest official notification. Salary computed from pay rules as of January 2026.