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Punjab National Bank: credit salary

Fixed pay a year for credit roles, reported by readers and checked before it counts, beside the median pay the lender publishes for all its staff.

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Credit pay, middle halfNot enough entries
Median credit payNot enough entries

Short answerPunjab National Bank pays its officers on the industry settlement, so credit pay here is public: a credit officer on Scale I starts at about ₹82,238 a month in hand in a metro, and a credit manager on Scale II at about ₹1,03,197. The ladder below shows every step. Reader figures appear once five entries match.

Credit pay at Punjab National Bank, scale by scale

Officers here are paid on the industry settlement, so basic pay and allowances are fixed, not negotiated. This is what each step of the credit ladder pays.

  1. Scale VIIGeneral manager, credit₹2,16,663 to ₹2,36,203 a month in hand
  2. Scale VIDeputy general manager, credit₹1,98,653 to ₹2,16,663 a month in hand
  3. Scale VAssistant general manager, credit₹1,75,543 to ₹1,91,264 a month in hand
  4. Scale IVChief manager, credit₹1,53,831 to ₹1,75,543 a month in hand
  5. Scale IIISenior manager, credit₹1,31,319 to ₹1,55,188 a month in hand
  6. Scale IICredit manager₹1,03,197 to ₹1,41,630 a month in hand
  7. Scale ICredit officer, assistant manager₹82,238 to ₹1,29,710 a month in hand

Punjab National Bank pays its officers on the industry settlement, like every public sector bank. In hand after pension (NPS, 10%), income tax under the new regime and ₹200 professional tax, posted in a Major 'A' class city. DA at 31.33% for November 2026 to January 2027. Source: IBA, 9th Joint Note on officers' wage revision, 8 March 2024. Titles vary by bank; the scale sets the pay. Work out any scale, year and city.

Disclosed by the lender

₹11.36 to ₹12.55 lakhmedian pay a year, FY2025-26

For all employees other than directors and key managerial personnel. This covers every function, not credit staff, and it is a different measure from the reader figures on this site. The report gives a median for two groups of staff, so the figure shows as a range from the lower to the higher.

Gross salary, bonus, allowances and gratuity paid during the year.

Source: Punjab National Bank Business Responsibility and Sustainability Report 2025-26, PDF page 30 ↗

By role, fixed pay a year in lakh

No role has five checked entries yet at this lender.

By years of experience, fixed pay a year in lakh

No experience band has five checked entries yet at this lender.

Self-reported. Pay differs with experience, city and the exact role, so treat these as a guide to a range, and not a quote.

Compare a role across every lender: Credit manager, Credit officer, Credit analyst, Credit executive, Credit processing associate, Senior or area credit manager, Zonal or regional credit manager, Credit head or chief risk officer.

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