Banker’s DeskSmart Calculators for Bank Employees

Salary/12th Bipartite Salary Calculator

12th Bipartite Salary Calculator

Fitment under the 12th Bipartite Settlement is stage-to-stage — now including JAIIB/CAIIB bonus stages, Stagnation Increments, and Professional Qualification Pay once you're at the top of your scale.

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Your details

Scale
JAIIB / CAIIB qualification
HRA Area
City Compensatory Allowance

New Gross Salary

₹98,319

New Basic Pay₹56,480
DA (25.00%)₹18,074
HRA₹5,648
CCA₹2,300
Special Allowance₹14,967
Learning Allowance₹850
Gross Salary₹98,319

What this calculates

Your new Basic Pay and Gross Salary under the 12th Bipartite Settlement, including three things beyond plain stage-to-stage fitment: JAIIB (1 bonus stage) or CAIIB (2 bonus stages) advancement if you haven’t yet reached the top of your scale, Stagnation Increments once you have, and Professional Qualification Pay if you hold JAIIB or CAIIB and have been at the top long enough to qualify.

Formula

Effective stage = your tenure stage + JAIIB/CAIIB bonus stages, capped at your scale’s maximum. If capped (you’re at the top), Stagnation Increments accrue every 2 years (scale-specific amounts, up to a scale-specific cap) and PQP is added at 1/2/3 years after reaching top depending on JAIIB vs CAIIB. Both count toward DA-pay and HRA-pay per the settlement’s Pay definitions, but not toward Special Allowance, which is based on Basic Pay alone.

Worked example

Scale I, tenure stage 16 (near the top, max is 17), CAIIB: the 2-stage bonus would take you to stage 18 — capped at 17, with 1 of the 2 bonus stages “used up.” At 5 years since reaching top: 2 Stagnation Increments (₹5,360) + PQP-III (₹5,480) = ₹10,840 combined, added into DA-pay and HRA-pay alongside your Basic Pay.

FAQs

What if my JAIIB/CAIIB bonus pushes me past the top of my scale?

The calculator caps your effective stage at the scale’s maximum and treats you as being at the top — enter how long you’ve been there to see your Stagnation Increments and PQP.

Is this simplified anywhere?

Yes, in two ways, both disclosed in the source data: this calculator uses a clean 2-year cadence for Stagnation Increments from reaching scale-max, rather than the exact one-time transition timing for officers already at max before 1 November 2022 (which converges to the same result for most people this many years later). It also doesn’t distinguish the clause’s exact qualification-date-vs- reaching-top-date branching for PQP in the edge case where the qualification bonus itself causes you to reach the top.

References

The 12th Bipartite Settlement between the Indian Banks’ Association and workmen/officers’ unions — pay scales, stagnation increments, JAIIB/CAIIB bonus stages, and professional qualification pay.

Disclaimer: Doesn't model Officiating Pay. Stagnation Increment and PQP timing use a simplified 'years since reaching top' model rather than replicating every transition-provision edge case from the settlement — see the FAQ above for specifics.