IBPS AFO Salary 2026 starts with a basic pay of ₹48,480 per month (Scale I Officer) under the latest pay structure. IBPS AFO (Agriculture Field Officer) is one of the most sought-after Specialist Officer posts recruited through the IBPS SO CRP. Selected candidates join as Scale I Officers in participating Public Sector Banks with an attractive salary package, multiple allowances, and excellent career growth opportunities in the agricultural banking sector.
Overview of IBPS AFO Salary 2026
| Particulars | Details |
|---|---|
| Post Name | Agriculture Field Officer (AFO) - Scale I |
| Basic Pay (Starting) | ₹48,480 |
| Pay Scale | ₹48,480 - 2000/7 - 62,480 - 2340/2 - 67,160 - 2680/7 - 85,920 |
| Gross Salary (Approx.) | ₹70,000 - ₹78,000 per month |
| In-Hand Salary (Approx.) | ₹62,000 - ₹71,000 per month |
| Annual CTC (Approx.) | ₹9 - 11 Lakh |
| Allowances | DA, HRA, CCA, Special Allowance, Medical, PF, Pension, etc. |
| Job Type | Permanent Officer Post |
IBPS AFO Salary 2026
IBPS AFO Salary 2026 offers a competitive pay package as per the latest bipartite settlement. The starting basic pay is ₹48,480 per month for Scale I Officers. Along with basic pay, candidates receive various allowances that significantly increase the gross and in-hand salary depending on the place of posting (Metro, Urban, Rural).
IBPS AFO Salary Structure 2026
IBPS AFO Salary Structure 2026 (Scale I):
| Component | Amount (Approx.) |
|---|---|
| Basic Pay | ₹48,480 |
| Dearness Allowance (DA) | Varies (Quarterly revised) |
| House Rent Allowance (HRA) | 7-9% of Basic (City-wise) |
| Special Allowance | As per rules |
| Other Allowances (CCA, Transport, Medical, etc.) | ₹10,000 - ₹18,000 |
| Gross Salary | ₹70,000 - ₹78,000 |
The pay scale provides regular increments, making it a stable and growing salary.
IBPS AFO In Hand Salary 2026
, the IBPS AFO pay scale for Scale I is ₹48,480-2000/7-₹62,480-2340/2-₹67,160-2680/7-₹85,920 under the 12th Bipartite Settlement. The IBPS AFO in-hand salary in 2026 is approximately ₹74,000–₹76,000 per month after adding allowances (DA, HRA, Special Allowance, etc.) and deducting PF, NPS and taxes, varying slightly with posting location. This makes IBPS AFO one of the well-paying specialist officer posts.
IBPS AFO Job Profile
An Agriculture Field Officer (AFO) is responsible for promoting agricultural lending and ensuring credit reaches eligible farmers. The role involves sourcing and processing farm loan proposals, assessing borrowers’ creditworthiness, and conducting field visits to verify crops, land records, and farming activities.
AFOs guide farmers on government schemes such as PM-KISAN, KCC, crop insurance and subsidy-based programmes, helping them choose suitable credit and insurance products. They monitor end-use of funds, track crop performance and ensure timely recovery of agricultural loans. The job combines fieldwork and desk work, requiring strong coordination with farmers, branches and government agencies.
IBPS AFO Career Growth
After joining as Scale I Officer, you can get promotions to Scale II, III, IV and even higher executive positions (like Chief Manager, AGM) based on performance and seniority. Many AFOs also move into specialized roles in Rural Banking, Agri-Business, or Head Office departments. The career path is stable with regular promotions every 2-3 years.
IBPS AFO Perks and Allowances
- Dearness Allowance (DA)
- House Rent Allowance (HRA)
- City Compensatory Allowance (CCA)
- Medical Aid & Hospitalization
- Pension Scheme (NPS)
- Leave Travel Concession (LTC)
- Newspaper Reimbursement, Petrol Allowance, etc.
- Leased Accommodation (in some banks)
