PNB SO Salary 2025: A highly competitive salary package is offered by Punjab National Bank (PNB) to its newly recruited Specialist Officers (SO) accompanied by various benefits, allowances, and career growth opportunities. For the candidates preparing for the PNB SO Exam 2025, it’s advantageous to be aware of the salary structure, pay scale, deductions, and benefits to get clarity on the role associated with it. In this article, we are providing the PNB SO Salary 2025, including grade-wise salary structure, allowances, job profile, probation period, and career growth prospects. Candidates bookmark our article to check the PNB Credit Officer’s detailed salary.
PNB SO Salary 2025
In the recruitment notification, the PNB SO Salary Structure is clearly described. Depending on the post and the grade, the candidates appointed as Manager or Senior Manager will receive a remunerative monthly salary ranging from ₹48,480 – ₹1,05,280. As per the bank regulations, selected candidates will also be eligible for various perks.
PNB Specialist Officer Salary 2025
Offering lucrative salaries, allowances, and growth opportunities, the PNB Specialist Officer Salary 2025 turns out to be highly rewarding. Not just the job security and financial stability, along with the benefits like DA, HRA, CCA, Medical Insurance, and Retirement Benefits, the initial pay starts from ₹48,480 per month.
| Parameters | Details |
| Organization | Punjab National Bank (PNB) |
| Designation | Specialist Officer (SO) |
| No. Of Vacancies | 350 |
| Pay Scale | ₹48,480 – ₹1,05,280 per month |
| Allowances | DA, HRA, CCA, Medical, Retirement Benefits, etc. |
| Probation | 2 Years |
| Official Website | www.pnbindia.in |
PNB Credit Officer Salary Structure 2025
There’s a variation in salary for PNB SO based on the post and grade. For a newly appointed PNB SO, there is a mandatory two-year probation period, which the performance is evaluated before confirming a permanent appointment. Check below for a detailed salary structure for different positions:
| Post Name | Grade/Scale | Pay Scale (₹) |
| Officer – Credit | JMGS-I | 48,480 – 85,920 |
| Officer – Industry | JMGS-I | 48,480 – 85,920 |
| Manager – IT | MMGS-II | 64,820 – 93,960 |
| Senior Manager – IT | MMGS-III | 85,920 – 1,05,280 |
| Manager – Data Scientist | MMGS-II | 64,820 – 93,960 |
| Senior Manager – Data Scientist | MMGS-III | 85,920 – 1,05,280 |
| Manager – Cyber Security | MMGS-II | 64,820 – 93,960 |
| Senior Manager – Cyber Security | MMGS-III | 85,920 – 1,05,280 |
PNB Cyber Security Officer Salary
At Punjab National Bank (PNB), the salary for Cyber Security Officers varies based on the managerial grade:
- Manager – Cyber Security (MMGS-II): The pay scale ranges from ₹64,820 to ₹93,960.
- Senior Manager – Cyber Security (MMGS-III): The pay scale ranges from ₹85,920 to ₹1,05,280.
In addition to the basic pay, employees are entitled to various allowances and benefits, including:
- Dearness Allowance (DA): A percentage of the basic pay, adjusted quarterly to account for inflation.
- House Rent Allowance (HRA): Varies based on the location of posting (rural, urban, or metropolitan areas).
- City Compensatory Allowance (CCA): Provided to employees in specific cities to offset the higher cost of living.
- Leave Travel Allowance (LTA): Covers travel expenses for employees and their families during leave periods.
- Medical Insurance: Health coverage for employees and their dependents.
PNB SO Industry Officer Salary
The salary structure for an Officer-Industry at Punjab National Bank (PNB) is categorized under the Junior Management Grade Scale-I (JMGS-I). The pay scale for this position ranges from ₹48,480 to ₹85,920 per month. In addition to the basic pay, employees are entitled to various allowances and benefits, including:
- Dearness Allowance (DA): A percentage of the basic pay, adjusted quarterly to offset inflation.
- House Rent Allowance (HRA): Varies based on the location of posting (rural, urban, or metropolitan areas).
- City Compensatory Allowance (CCA): This is provided to employees in specific cities to compensate for higher living costs.
- Medical Insurance: This covers health expenses for employees and their dependents.
- Leave Travel Allowance (LTA): Reimbursement for travel expenses incurred during leave periods.
- Retirement Benefits: Includes provisions like the provident fund, gratuity, and pension schemes.
PNB Credit Officer Salary
The Credit Officer at Punjab National Bank (PNB) in the Junior Management Grade Scale-I (JMGS-I) receives a basic salary starting at ₹48,480 per month. The pay scale for this position is structured as ₹48,480-2000/7-₹62,480-2340/2-₹67,160-2680/7-₹85,920, indicating annual increments and progression based on years of service. In addition to the basic pay, PNB Credit Officers are entitled to various allowances and benefits, including:
- Dearness Allowance (DA): A cost-of-living adjustment allowance paid to employees.
- House Rent Allowance (HRA) or Leased Accommodation: Assistance with housing expenses.
- City Compensatory Allowance (CCA): This is an Additional allowance for employees in urban areas.
- Leave Fare Concession: Benefits related to leave travel.
- Medical Insurance: Health coverage for employees and their dependents.
- Retirement Benefits: Including pension schemes and provident fund contributions.
PNB SO Salary 2025 – Perks and Allowances
PNB SO is in a very secure financial position. In addition to the base pay, there are several benefits. To learn more about the main benefits, see below:
- Dearness Allowance (DA) is paid as a percentage of basic pay and is updated quarterly to account for inflation.
- Leased housing or the House Rent Allowance (HRA) varies according to the area (rural, urban, or metropolitan).
- Employees in class A cities are paid the City Compensatory Allowance (CCA).
- Employees and their families are reimbursed for their travel expenses through the Leave Travel Allowance (LTA).
- Health coverage for oneself and one’s dependents is known as medical insurance.
- Retirement benefits include pension plans, gratuities, and provident funds (PF).
- Additional Allowances: These consist of particular funds for phone, petrol, and travel costs.
Additional Benefits for PNB SO Employees
- The working hours are fixed
- One has job security and can rely on timely promotions
- Lower interest rates for loans
- Providing a higher standard of living due to a lucrative salary
PNB SO Job Profile 2025
The job responsibilities are allocated to the candidates according to the banking needs and organisational structure. Based on their specialisation, the job responsibility of PNB SO differs. Below is a brief overview of different SO roles:
| Post Name | Job Responsibilities |
| Officer – Credit | The credit approvals, loan processing, and risk assessment are handled by them. |
| Manager – Forex | The forex transactions at branches and administrative offices are managed by them. |
| Manager – Cyber Security | They manage the overseas cybersecurity monitoring, risk analysis, and network security. |
| Senior Manager – Cyber Security | The cybersecurity policies, SIEM solutions, and security infrastructure are managed by them. |
PNB SO Probation Period 2025
- A probation period of two years is served by the newly recruited PNB SOs.
- Employees are entitled to receive a partial salary and limited benefits during this period.
- The candidates completing the probation period will be employed full time with all applicable benefits.
PNB SO Career Growth and Promotion 2025
PNB SO offers excellent career growth opportunities, allowing employees to advance in the banking hierarchy through performance-based promotions and experience.
Career Progression for PNB SO
- Specialist Officer (SO) → Manager → Senior Manager → Assistant General Manager (AGM) → Deputy General Manager (DGM) → General Manager (GM)
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PNB SO Salary 2025 Pay Scale FAQs
The starting salary for PNB Specialist Officers is ₹48,480 – ₹85,920 per month, depending on the grade and post.
Yes, PNB SOs are eligible for retirement benefits, including a pension scheme.
The probation period for PNB SOs is two years, after which they receive full benefits and promotions.
Yes, PNB SOs receive Dearness Allowance (DA), HRA, CCA, Medical Insurance, Retirement Benefits, and Loan Facilities.
With consistent performance, PNB SOs can be promoted to Manager, AGM, DGM, and GM positions.
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