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Two objective papers on computer, set at 100 marks and 2 hours each in December 2025, no negative marking: what the IREM names, what those papers asked, and the three-paper pattern they replaced.

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Articles related to Railway Appendix-2 IREM Examination (Accounts) on page 1 

<div style="background:#eef3fb;color:#303846;border:1px solid #c9d7ee;border-radius:12px;padding:14px 18px;margin:0 0 18px"><p style="margin:0;font-size:14px;line-height:1.6"><strong style="color:#171d29">Checked 29 September 2026.</strong> From SBI’s e-circular of 18.06.2024 implementing the officers’ 9th Joint Note, and the 12th Bipartite Settlement of 08.03.2024 for award staff, both effective 01.11.2022. The next wage settlement will replace these scales.</p></div>

<p style="margin:0 0 16px;line-height:1.7">For most bank employees, the reason to finish JAIIB and CAIIB is written into the wage settlement. Officers get <strong>one increment for JAIIB</strong>. Since 1 November 2022 they get <strong>two increments for CAIIB</strong>; before that it was one. At or near the top of the scale special rules apply: the increments that fit are given, an officer who qualifies at the maximum gets the first instalment of <strong>Professional Qualification Pay (PQP)</strong>, a fixed monthly amount, and in specified cases the stagnation increment is advanced by one or two years. Clerical staff get PQP amounts set by the 12th Bipartite Settlement, except in SBI, which settles them at bank level.</p>

<p style="margin:0 0 16px;line-height:1.7">This guide is based on two primary documents. For officers we use SBI’s own e-circular CDO/P&amp;HRD-IR/22/2024-25 of 18 June 2024, which implements the <strong>9th Joint Note</strong> that IBA signed with the officers’ unions on 8 March 2024. For clerical and subordinate staff we use the <strong>12th Bipartite Settlement</strong> of the same date, signed by IBA for 25 banks, in a copy hosted by Union Bank of India. Both apply with effect from 1 November 2022. The calculator shows what the increments do to your basic pay, stage by stage.</p>

<div style="display:flex;flex-wrap:wrap;gap:10px;margin:18px 0"><div style="flex:1 1 140px;background:#fbfaf6;border:1px solid #e4e1d8;border-radius:10px;padding:12px 14px"><div style="font-size:24px;font-weight:800;color:#171d29;line-height:1.2">1 + 2</div><div style="font-size:13px;color:#5b6472;line-height:1.4;margin-top:4px">officer increments: JAIIB, then CAIIB (w.e.f. 01.11.2022)</div></div><div style="flex:1 1 140px;background:#fbfaf6;border:1px solid #e4e1d8;border-radius:10px;padding:12px 14px"><div style="font-size:24px;font-weight:800;color:#171d29;line-height:1.2">Rs 2,000</div><div style="font-size:13px;color:#5b6472;line-height:1.4;margin-top:4px">one increment at the start of Scale I (our arithmetic)</div></div><div style="flex:1 1 140px;background:#fbfaf6;border:1px solid #e4e1d8;border-radius:10px;padding:12px 14px"><div style="font-size:24px;font-weight:800;color:#171d29;line-height:1.2">Rs 5,480</div><div style="font-size:13px;color:#5b6472;line-height:1.4;margin-top:4px">officer PQP-III a month, CAIIB, three years after the maximum</div></div><div style="flex:1 1 140px;background:#fbfaf6;border:1px solid #e4e1d8;border-radius:10px;padding:12px 14px"><div style="font-size:24px;font-weight:800;color:#171d29;line-height:1.2">Rs 820</div><div style="font-size:13px;color:#5b6472;line-height:1.4;margin-top:4px">first clerical PQP a month, one year after the 20th stage (Rs 940 in SBI)</div></div></div><p style="margin:12px 0 0;font-size:13px;color:#5b6472;margin:-8px 0 18px">SBI e-circular CDO/P&HRD-IR/22/2024-25 (18.06.2024); 12th Bipartite Settlement (08.03.2024); SBI e-circular CDO/P&HRD-IR/29/2024-25 (15.07.2024) for SBI’s clerical PQP. Rs 2,000 is the first step of the Scale I pay scale.</p>

<p style="margin:0 0 16px;line-height:1.7">SBI’s circular puts it in one sentence: officers “have been eligible for one increment for completing JAIIB and one increment for completing CAIIB in their scale of pay, as hitherto. With effect from 01.11.2022 apart from one increment for completing JAIIB, officers completing CAIIB will be eligible for two increments in their scale of pay.” The officers’ union AIBOC reported the same outcome to its members as two additional increments for CAIIB (a union circular, not an IBA document).</p>

The circular also covers the awkward cases. An officer who completes JAIIB after reaching the top of the scale gets the first PQP instalment from the date of passing. Where an officer qualifies at or near the top of the scale and no increment is left to give, the stagnation increment may be advanced by one or two years. Officers already in service on 1 November 2022 who had already passed CAIIB get the second additional increment from 1 November 2022 or the date of passing, whichever is later. Officers already drawing PQP-II become eligible for PQP-III one year after PQP-II was released, or from 1 November 2022, whichever is later.

These rules come from SBI’s circular. Other banks that are party to the IBA settlement issue their own circulars on the same joint note, so check your own bank’s circular for its wording and dates.

Officer scales and what an increment is worth

How to read a scale: 48480-2000/7-62480 means the scale starts at Rs 48,480 and rises by Rs 2,000 a year for seven years, to Rs 62,480. The next step size then applies. An increment is simply one more step on your scale, so its value depends on where you stand. For a Scale I officer in the first seven steps, JAIIB is worth Rs 2,000 a month in basic pay and CAIIB’s two increments are worth Rs 4,000. Near the top of Scale I, where each step is Rs 2,680, the same qualifications are worth more.

<div style="background:#ffffff;color:#303846;border:1px solid #e4e1d8;border-radius:12px;padding:18px 20px;margin:18px 0" id="jc3t"><h3 style="margin:0 0 10px;font-size:17px;font-weight:700;color:#171d29">What JAIIB or CAIIB adds to your basic pay</h3><p style="margin:0 0 12px;line-height:1.6">Choose your scale and your current basic pay, then what you passed. For officers the tool applies the increments in SBI’s circular on the 9th Joint Note: one for JAIIB and two for CAIIB. The 12th Bipartite Settlement text does not print a number of increments for clerical staff, so for clerks the tool shows what each of the next stage steps is worth.</p><div style="display:flex;flex-wrap:wrap;gap:10px;margin:0 0 12px"><label style="font-size:13px;font-weight:700;color:#5b6472;flex:1 1 150px;min-width:0">Scale<br><select id="jc3t-s" style="width:100%;max-width:100%;padding:8px;border:1px solid #c9c4b5;border-radius:8px;font-size:16px"><option value="0">Officers JMGS-I (Scale I)</option><option value="1">Officers MMGS-II (Scale II)</option><option value="2">Officers MMGS-III (Scale III)</option><option value="3">Officers SMGS-IV (Scale IV)</option><option value="4">Officers SMGS-V (Scale V)</option><option value="5">Officers TEGS-VI (Scale VI)</option><option value="6">Officers TEGS-VII (Scale VII)</option><option value="7">Clerical staff (12th BPS; SBI’s PQP differs)</option></select></label><label style="font-size:13px;font-weight:700;color:#5b6472;flex:1 1 150px;min-width:0">Current basic pay<br><select id="jc3t-b" style="width:100%;max-width:100%;padding:8px;border:1px solid #c9c4b5;border-radius:8px;font-size:16px"><option value="0">Stage 1: Rs 48,480</option><option value="1">Stage 2: Rs 50,480</option><option value="2">Stage 3: Rs 52,480</option><option value="3">Stage 4: Rs 54,480</option><option value="4">Stage 5: Rs 56,480</option><option value="5">Stage 6: Rs 58,480</option><option value="6">Stage 7: Rs 60,480</option><option value="7">Stage 8: Rs 62,480</option><option value="8">Stage 9: Rs 64,820</option><option value="9">Stage 10: Rs 67,160</option><option value="10">Stage 11: Rs 69,840</option><option value="11">Stage 12: Rs 72,520</option><option value="12">Stage 13: Rs 75,200</option><option value="13">Stage 14: Rs 77,880</option><option value="14">Stage 15: Rs 80,560</option><option value="15">Stage 16: Rs 83,240</option><option value="16">Stage 17: Rs 85,920</option></select></label><label style="font-size:13px;font-weight:700;color:#5b6472;flex:1 1 150px;min-width:0">You passed<br><select id="jc3t-q" style="width:100%;max-width:100%;padding:8px;border:1px solid #c9c4b5;border-radius:8px;font-size:16px"><option value="1">JAIIB</option><option value="2">CAIIB (JAIIB already done)</option><option value="3">Both, from where you are now</option></select></label></div><div id="jc3t-out" style="padding:12px 14px;background:#ecf7ef;border-radius:10px;line-height:1.6"></div><p style="margin:12px 0 0;font-size:13px;color:#5b6472">Scales: SBI e-circular of 18.06.2024 (officers, w.e.f. 01.11.2022) and the 12th Bipartite Settlement of 08.03.2024 (clerical, w.e.f. 01.11.2022). Stage values and gains are our arithmetic on those scales. Basic pay only: DA, HRA and other allowances are worked out on top and differ by bank and city.</p><script>(function(){var R=document.getElementById('jc3t');if(!R)return;var D=[["Officers JMGS-I (Scale I)",[48480,50480,52480,54480,56480,58480,60480,62480,64820,67160,69840,72520,75200,77880,80560,83240,85920],0],["Officers MMGS-II (Scale II)",[64820,67160,69840,72520,75200,77880,80560,83240,85920,88600,91280,93960],0],["Officers MMGS-III (Scale III)",[85920,88600,91280,93960,96640,99320,102300,105280],0],["Officers SMGS-IV (Scale IV)",[102300,105280,108260,111240,114220,117580,120940],0],["Officers SMGS-V (Scale V)",[120940,124300,127660,131340,135020],0],["Officers TEGS-VI (Scale VI)",[140500,144500,148500,152500,156500],0],["Officers TEGS-VII (Scale VII)",[156500,160840,165180,169520,173860],0],["Clerical staff (12th BPS; SBI’s PQP differs)",[24050,25390,26730,28070,29720,31370,33020,35020,37020,39020,41020,43360,45700,48040,50380,52720,55060,57400,61800,64480],1]],s=document.getElementById('jc3t-s'),b=document.getElementById('jc3t-b'),q=document.getElementById('jc3t-q');function f(v){return 'Rs '+v.toLocaleString('en-IN');}function fill(){var a=D[parseInt(s.value,10)][1],h='';for(var k=0;k<a.length;k++){h+='<option value="'+k+'">Stage '+(k+1)+': '+f(a[k])+'</option>';}b.innerHTML=h;}function go(){var d=D[parseInt(s.value,10)],a=d[1],i=parseInt(b.value,10)||0,n=parseInt(q.value,10),left=a.length-1-i,o=document.getElementById('jc3t-out'),x='';if(d[2]){x='<strong>'+d[0]+'</strong>, basic '+f(a[i])+'.<br>';if(left<=0){x+='You are at the maximum of the scale, so there is no increment to give. Clause 10 of the 12th Bipartite Settlement then grants the first PQP instalment from the date you qualify, and later instalments are counted from that date. The PQP amounts on pages 67-68 of the settlement start at Rs 820 a month. SBI is the exception: Clause 40 leaves PQP to a bank-level settlement, and SBI’s circular of 15.07.2024 starts it at Rs 940. See the tables below for the rows that apply to you.';}else{var st=[];for(var k=1;k<=Math.min(3,left);k++){st.push('+'+f(a[i+k]-a[i+k-1]).replace('Rs ','Rs ')+' (to '+f(a[i+k])+')');}x+='The next stage steps from your basic are worth: <strong>'+st.join('</strong>, <strong>')+'</strong> a month.<br>The settlement text does not print how many advance increments JAIIB or CAIIB gives clerical staff, so check your bank’s circular and add that many steps. Only '+left+' stage(s) are left before the maximum; any increment that does not fit is paid as the first PQP instalment instead (Clause 10).';}o.innerHTML=x;return;}var g=Math.min(n,left),nb=a[i+g],gain=nb-a[i],short=n-g;x='<strong>'+d[0]+'</strong>: '+n+' increment'+(n>1?'s':'')+' from '+f(a[i])+'.<br>';if(g>0)x+='New basic: <strong>'+f(nb)+'</strong>, a rise of <strong>'+f(gain)+' a month</strong> ('+f(gain*12)+' a year at that monthly difference, our arithmetic; the actual gain over the next 12 months can differ once a normal increment, a change in step size or a promotion falls due).<br>';if(short>0)x+='<span style="color:#8a5300">'+short+' increment'+(short>1?'s do':' does')+' not fit in the scale.</span> SBI’s circular provides for these cases: the stagnation increment may be advanced by one or two years, and an officer who passes at the maximum gets the first PQP instalment from the date of passing. The tool does not price these.';o.innerHTML=x;}s.addEventListener('change',function(){fill();go();});b.addEventListener('change',go);q.addEventListener('change',go);go();})();</script></div>

Worked examples, Scale I (our arithmetic)

These are basic-pay figures only. For officers, SBI’s circular sets Special Allowance as a percentage of basic pay (26.50% in Scale I), while House Rent Allowance and Dearness Allowance are worked out on wider definitions of “Pay” that include basic pay. So a higher basic also raises those allowances and the take-home rise is larger. They depend on the current DA rate and your posting, so we do not calculate them here. The qualification moves you ahead on the scale while you and a colleague without it sit at different stages; the gap can change where the step size changes and can close at the top of the scale, where stagnation-increment and PQP rules take over.

SBI’s circular defines “Pay” three ways, and PQP is in all three: for superannuation benefits (with basic pay, stagnation increments, officiating pay and the increment part of Fixed Personal Pay); for Dearness Allowance (with basic pay, stagnation increments, Special Allowance, Learning Allowance and officiating pay); and for House Rent Allowance (with basic pay, stagnation increments and officiating pay). So PQP raises DA and HRA. Special Allowance itself is a percentage of basic pay only, so PQP does not raise it.

Clerical and subordinate staff: the 12th Bipartite Settlement

The award-staff settlement sets the clerical scale as 24050-1340/3-28070-1650/3-33020-2000/4-41020-2340/7-57400-4400/1-61800-2680/1-64480, which is 20 stages from Rs 24,050 to Rs 64,480. Clause 10 deals with qualifications. A non-subordinate employee who acquires JAIIB or CAIIB without enough increments left in the scale first gets the increments that are available. The first PQP instalment is paid in place of the rest.

What the settlement text does not do is print how many advance increments JAIIB or CAIIB earns a clerk. It refers back to earlier settlements. We did not find that number in a primary document, so we do not state one. Ask your branch or HR for your bank’s circular. The calculator above, set to clerical staff, shows what each of your next stage steps is worth, so you can apply your bank’s count.

SBI is outside this table. Clause 40 of the settlement lists Clause 10 (PQP/Graduation Pay) among the provisions that do not apply to State Bank of India and are settled at bank level. SBI’s workmen circular of 15.07.2024 (Annexure III, w.e.f. 01.11.2022) sets its own rates: Rs 940 after one year, Rs 1,880 after two, Rs 2,820 after three, and Rs 3,760 and Rs 4,700 after four and five years in its longest row. If you are an SBI clerk, use those figures, not the table above.

Rows 4 and 5 of the non-subordinate table on page 67 carry the same printed description, but row 5 runs to Rs 4,100 after five years while row 4 stops at Rs 2,460. SBI’s circular prints its matching rows differently: the three-year row reads “passed JAIIB or Part-I CAIIB” and the five-year row “passed JAIIB or both parts of CAIIB”. That suggests row 5 is the CAIIB row, but the settlement copy we read does not say so, and we print it as it stands. “After N years” means after N years at the 20th stage, the top of the scale.

Is it worth it? A simple way to think about it

JAIIB costs Rs 4,000 for the first attempt and CAIIB Rs 5,000, plus convenience charges and taxes, and Rs 1,300 for each later attempt. For a Scale I officer near the start of the scale, JAIIB adds Rs 2,000 a month to basic pay, so the first-attempt fee is covered by basic pay alone in about two months (our arithmetic, before tax, DA and HRA). CAIIB’s two increments add Rs 4,000 a month at the same stage.

The real cost is time, not the fee. IIBF’s pass rates were 15.63% for JAIIB and 14.03% for CAIIB in 2025-26, measured on candidates who appeared; IIBF does not publish how many sittings each successful candidate needed. The pay gain starts only once the whole exam is complete, not paper by paper, so a plan that finishes in two or three sittings earns the increments a year or more sooner than one that drifts to the end of the three-year window.

<div style="background:#fff8e8;color:#3a3020;border:1px solid #f0d9a8;border-left:4px solid #b7791f;border-radius:12px;padding:18px 20px;margin:18px 0"><p style="margin:0 0 8px;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#b7791f">Where other pages get this wrong</p><p style="margin:0 0 10px;font-size:17px;font-weight:700;color:#171d29;line-height:1.5">Since 1 November 2022, an officer who completes CAIIB gets two increments, not one. The JAIIB increment is still one.</p><p style="margin:0 0 8px;line-height:1.6"><strong style="color:#8a5300">Commonly published instead:</strong> “One increment each for JAIIB and CAIIB”, which was the rule before the 9th Joint Note.</p><p style="margin:0;line-height:1.6">SBI’s circular of 18.06.2024 on the 9th Joint Note says that “as hitherto” officers got one increment each, and that with effect from 01.11.2022 CAIIB earns two increments. Pages written before 2024 still show the old rule.</p></div>

<div style="background:#ffffff;color:#303846;border:1px solid #e4e1d8;border-radius:12px;padding:18px 20px;margin:18px 0"><h3 style="margin:0 0 10px;font-size:17px;font-weight:700;color:#171d29">What we could not confirm from a primary document</h3><ul style="margin:0;padding-left:20px"><li style="margin:6px 0;line-height:1.6">How many advance increments JAIIB or CAIIB gives clerical staff under the current settlement.</li><li style="margin:6px 0;line-height:1.6">Whether any bank’s promotion policy requires JAIIB or CAIIB, or gives marks for it. The IBA documents link the qualifications to increments and PQP, not to promotion.</li><li style="margin:6px 0;line-height:1.6">The exact wording in every bank’s own circular. This guide uses SBI’s circular for officers.</li></ul></div>

<div style="background:#ffffff;color:#303846;border:1px solid #e4e1d8;border-radius:12px;padding:18px 20px;margin:18px 0"><h3 style="margin:0 0 10px;font-size:17px;font-weight:700;color:#171d29">More in this series</h3><ul style="margin:0;padding-left:20px"><li style="margin:6px 0;line-height:1.6"><a href="/hub/jaiib-caiib-pass-rate-by-year" style="color:#255a45">JAIIB and CAIIB pass rate by year (IIBF figures)</a></li><li style="margin:6px 0;line-height:1.6"><a href="/hub/caiib-elective-which-to-choose" style="color:#255a45">CAIIB elective: which one to choose</a></li><li style="margin:6px 0;line-height:1.6"><a href="/hub/jaiib-caiib-attempts-time-limit-rules" style="color:#255a45">JAIIB and CAIIB attempts, time limit and pass rules</a></li><li style="margin:6px 0;line-height:1.6"><a href="/hub/jaiib-caiib-syllabus-module-map" style="color:#255a45">JAIIB and CAIIB syllabus: every paper and module</a></li><li style="margin:6px 0;line-height:1.6"><a href="/hub/jaiib-caiib-exam-day-rules" style="color:#255a45">JAIIB and CAIIB exam day rules and debarment</a></li><li style="margin:6px 0;line-height:1.6"><a href="/hub/jaiib-caiib-calculator-numericals" style="color:#255a45">JAIIB and CAIIB numericals on a basic calculator</a></li><li style="margin:6px 0;line-height:1.6"><a href="/hub/jaiib-caiib-result-marksheet-certificate" style="color:#255a45">JAIIB and CAIIB result, marksheet and certificate</a></li><li style="margin:6px 0;line-height:1.6"><a href="/hub/iibf-membership-jaiib-registration" style="color:#255a45">IIBF membership for JAIIB and the full cost</a></li><li style="margin:6px 0;line-height:1.6"><a href="/hub/jaiib-caiib-books-study-material" style="color:#255a45">Official JAIIB and CAIIB books, mock test and classes</a></li><li style="margin:6px 0;line-height:1.6"><a href="/hub/after-caiib-professional-banker-cfp-chartered-banker" style="color:#255a45">After CAIIB: Professional Banker, CFP, Chartered Banker</a></li><li style="margin:6px 0;line-height:1.6"><a href="/hub/exam-alert-and-updates-for-jaiib-caiib" style="color:#255a45">JAIIB / CAIIB notice board: official updates</a></li></ul></div>

<div style="background:#ffffff;color:#303846;border:1px solid #e4e1d8;border-radius:12px;padding:18px 20px;margin:18px 0"><h3 style="margin:0 0 10px;font-size:17px;font-weight:700;color:#171d29">Sources</h3><ul style="margin:0;padding-left:20px"><li style="margin:6px 0;line-height:1.6"><span style="color:#1f7a45;font-weight:700">official</span> — <a href="https://sbi.bank.in/documents/17826/21606/050924-e-CIRCULAR+9TH+JOINT+NOTE+SALARY+REVISION+OF+OFFICERS.pdf/44a8586d-f728-aa1a-e472-d7dac62ab401?t=1725517531955" rel="nofollow noopener" style="color:#255a45">SBI — e-Circular CDO/P&amp;HRD-IR/22/2024-25 (18.06.2024): 9th Joint Note, salary revision of officers</a></li><li style="margin:6px 0;line-height:1.6"><span style="color:#1f7a45;font-weight:700">official</span> — <a href="https://www.unionbankofindia.bank.in/pdf/12th-bipartite-settlement-aibea.pdf" rel="nofollow noopener" style="color:#255a45">12th Bipartite Settlement, 08.03.2024 (IBA-stamped copy hosted by Union Bank of India)</a></li><li style="margin:6px 0;line-height:1.6"><span style="color:#1f7a45;font-weight:700">official</span> — <a href="https://sbipacc.org/admin/images/circulars/209_1721112562-12_th_biprtite_WORKMEN_STAFF_%E2%80%93_SALARY_REVISION_OTHER_SERVICE_CONDITIONS_-_dtd_08_03_2024_(2).pdf" rel="nofollow noopener" style="color:#255a45">SBI — e-Circular CDO/P&amp;HRD-IR/29/2024-25 (15.07.2024): workmen staff salary revision, 12th BPS (copy hosted by an SBI staff association)</a></li><li style="margin:6px 0;line-height:1.6"><span style="color:#8a5300;font-weight:700">reported</span> — <a href="https://aiboc.org/wp-content/uploads/2024/03/06_2024_aiboc_9th_joint_note__.pdf" rel="nofollow noopener" style="color:#255a45">AIBOC circular 06/2024 on the 9th Joint Note (union circular, not IBA)</a></li><li style="margin:6px 0;line-height:1.6"><span style="color:#1f7a45;font-weight:700">official</span> — <a href="https://www.iibf.org.in/documents/RulesSyllabus/2026/FlagshipCourses/21%20-%20JAIIB-Final_Exam_24.07.25_Final_23.02.2026.pdf" rel="nofollow noopener" style="color:#255a45">IIBF — JAIIB Rules &amp; Syllabus 2026</a></li><li style="margin:6px 0;line-height:1.6"><span style="color:#1f7a45;font-weight:700">official</span> — <a href="https://www.iibf.org.in/documents/RulesSyllabus/2026/FlagshipCourses/60%20-%20CAIIB_24.07.25_Change_Final%20Website_23.02.2026.PDF" rel="nofollow noopener" style="color:#255a45">IIBF — CAIIB Rules &amp; Syllabus 2026</a></li><li style="margin:6px 0;line-height:1.6"><span style="color:#1f7a45;font-weight:700">official</span> — <a href="https://www.iibf.org.in/documents/IIBF%20AR%202025-26%20-%20Final%20for%20WEB.pdf" rel="nofollow noopener" style="color:#255a45">IIBF — Annual Report 2025-26</a></li></ul><p style="margin:12px 0 0;font-size:13px;color:#5b6472"><strong style="color:#1f7a45">official</strong> = a document published by the conducting body. <strong style="color:#8a5300">reported</strong> = a news or coaching site we could not check against an original. Where sources disagree this page says so rather than picking one.</p></div>

<a href="/exam/jaiib-caiib">This article has been published in JAIIB / CAIIB (IIBF). Explore everything related to it here.</a>

Officers get one increment for JAIIB and, since 01.11.2022, two for CAIIB. For a Scale I officer at entry that is Rs 2,000 and Rs 4,000 a month in basic pay. Scales, PQP tables and a calculator.

JAIIB and CAIIB Increments and PQP: What They Add to Your Pay

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