SBI SO (Specialist Cadre Officer) Salary 2026
SBI Specialist Cadre Officer (SCO) recruited at various scales, most commonly Middle Management Grade Scale-II (MMGS-II) and Scale-III (MMGS-III); many roles are fixed-tenure contracts with negotiated CTC. Pay follows the SBI officer pay scale (commonly MMGS-II / MMGS-III); in-hand pay across posts ranges from ₹90,000 – ₹1,10,000 per month depending on the post, pay level and city.
SBI SO (Specialist Cadre Officer) post-wise salary
Entry basic pay and approximate in-hand salary for each SBI SO (Specialist Cadre Officer) post. In-hand figures include typical allowances and assume a metro / higher-HRA city; smaller-city pay is a little lower.
| Post | Pay level | Basic pay | In-hand |
|---|---|---|---|
| Specialist Officer (MMGS-II)Scale top ₹93,960; in-hand boosted by leased accommodation; CTC ~85% fixed + 15% variable | MMGS-II | ₹64,820 | ₹90,000–1,10,000 |
| Specialist Officer (MMGS-III)Senior specialist roles; scale top ₹1,02,600; some posts on negotiated-CTC contracts | MMGS-III | ₹85,920 | ₹1,00,000+ |
Allowances & benefits
The in-hand salary is basic pay plus these allowances:
- Dearness Allowance (DA)
- House Rent Allowance (HRA) / leased accommodation
- City Compensatory Allowance (CCA)
- Special Allowance
Career growth & perks
- Medical aid / health insurance
- Leased accommodation / quarters
- Pension (NPS)
- Provident Fund
- LFC / travel reimbursement
- Concessional staff loans
SBI SO (Specialist Cadre Officer) salary — FAQs
What is the in-hand salary for SBI SO (Specialist Cadre Officer) 2026?
The in-hand salary for SBI SO (Specialist Cadre Officer) ranges from ₹90,000 – ₹1,10,000 per month depending on the post, pay level and city (which sets the HRA slab). SBI Specialist Cadre Officer (SCO) recruited at various scales, most commonly Middle Management Grade Scale-II (MMGS-II) and Scale-III (MMGS-III); many roles are fixed-tenure contracts with negotiated CTC.
What is the pay scale / pay level for SBI SO (Specialist Cadre Officer)?
SBI SO (Specialist Cadre Officer) posts are paid under the SBI officer pay scale (commonly MMGS-II / MMGS-III). The post-wise pay levels and entry basic pay are listed in the table above.
What allowances are paid in SBI SO (Specialist Cadre Officer) jobs?
On top of basic pay, SBI SO (Specialist Cadre Officer) employees receive Dearness Allowance (DA), House Rent Allowance (HRA) / leased accommodation, City Compensatory Allowance (CCA), Special Allowance. These allowances are what make the in-hand salary higher than the basic pay.
Indicative; SBI SO/SCO scale depends on the specific post (MMGS-II/III most common) and many are fixed-tenure contracts with negotiated CTC. Confirm scale and CTC on the specific SBI SCO advertisement.
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