Increment & Stagnation Calculator — 12th BPS & 9th Joint Note
Find out exactly when your next annual increment or stagnation increment falls due — and how much it’s worth. Select your cadre (Clerk, Subordinate Staff, or Officer Scale I–VII), the stage and date you started drawing your current basic pay, and — if applicable — the date you passed JAIIB or CAIIB. The tool projects your full pay timeline: annual increments through your scale, then stagnation increments every two years once you hit the maximum.
- Settlements: 9th Joint Note (officers, JMGS-I–TEGS-VII) & 12th Bipartite Settlement (clerical/subordinate staff) — both signed 08.03.2024, effective 01.11.2022
- Stagnation frequency: every 2 years after reaching the maximum of scale, for every cadre
- Clerk stagnation: 11 increments of ₹2,680 each
- Subordinate staff stagnation: 11 increments of ₹1,345 each
- Officer stagnation: 3 to 8 increments depending on scale, ₹2,680–₹4,340 each
- JAIIB: +1 advance increment · CAIIB: +3 advance increments (cumulative) — only if cleared before reaching the maximum of the scale
- Settlement period: 01.11.2022 to 31.10.2027
| Date | Stage | Type | Basic Pay | Rise |
|---|
How Increments and Stagnation Increments Work Under the Current Settlements
Every bank employee’s basic pay sits on a scale — a fixed sequence of stages, each one higher than the last, that you move through automatically as you complete each year of service. What happens once you reach the top of that scale is where most people lose track, and it’s the part this calculator is built around.
Annual Increments: Moving Through the Scale
For as long as you haven’t reached the maximum of your scale, you move up one stage every year on your increment date — the same date each year, regardless of any fitment or pay revision in between. A Clerk starting at Stage 1 (₹24,050) reaches Stage 20 (₹64,480) after 19 annual increments; a Scale I officer starting at ₹48,480 reaches the scale maximum of ₹85,920 after 16.
What Happens at the Maximum: Stagnation Increments
Once you’re at the top of the scale, your pay doesn’t freeze — you continue to draw stagnation increments at a fixed periodicity, currently every two years, for a fixed number of installments set by the settlement. This is the mechanism that keeps senior, not-yet-promoted staff from going years without a raise.
Stagnation Increment Amounts by Cadre and Scale
| Cadre / Scale | Stagnation Increments | Amount |
|---|---|---|
| Clerk | 11 | ₹2,680 each |
| Subordinate Staff | 11 | ₹1,345 each |
| Scale I (JMGS-I) | 7 | first 2 @ ₹2,680, next 5 @ ₹2,980 |
| Scale II (MMGS-II) | 7 | ₹2,980 each |
| Scale III (MMGS-III) | 8 | first 4 @ ₹2,980, next 4 @ ₹3,360 |
| Scale IV (SMGS-IV) | 5 | first 1 @ ₹3,360, next 4 @ ₹3,680 |
| Scale V (SMGS-V) | 4 | ₹4,000 each |
| Scale VI (TEGS-VI) | 3 | first 2 @ ₹4,000, last @ ₹4,340 |
| Scale VII (TEGS-VII) | 3 | ₹4,340 each |
All figures are effective 01.11.2022, released every two years from the date of reaching the maximum of scale (or from the previous stagnation increment).
JAIIB and CAIIB: Advance Increments, Not Just PQP
Passing JAIIB earns one advance increment on your basic pay scale — as if you’d completed an extra year of service. Passing CAIIB adds two more on top of that, for three in total. This only applies if you clear the exam before reaching the maximum of your scale; if you’re already at the top when you pass, the benefit shows up instead as Professional Qualification Pay (PQP), a separate fixed monthly allowance, not an increment. This calculator handles the advance-increment case — enter your qualification and the date you passed, and it inserts the jump at the right point in your timeline without disturbing your normal increment dates.
Reading the Timeline
The calculator’s output table shows every event in order — your starting stage, each annual increment, your JAIIB/CAIIB jump if applicable, and every stagnation increment through to the last one your settlement allows. The row marked “as of” is where you sit today; the “Next Rise” card above the table gives you the date, amount, and type of what’s coming next.
Frequently Asked Questions — Increment & Stagnation Increment Calculator
What is a stagnation increment in bank salary?
A stagnation increment is a pay rise granted to bank employees who’ve reached the maximum of their pay scale without being promoted to the next one. Rather than their basic pay staying frozen, they continue to receive periodic increments — currently every two years — up to a fixed number of installments set by the applicable settlement.
How many stagnation increments do bank officers get, and how much are they worth?
Under the 9th Joint Note (effective 01.11.2022), it varies by scale: JMGS-I and MMGS-II get 7 each (JMGS-I: first two at ₹2,680, the rest at ₹2,980; MMGS-II: all ₹2,980), MMGS-III gets 8 (four at ₹2,980, four at ₹3,360), SMGS-IV gets 5 (one at ₹3,360, four at ₹3,680), SMGS-V gets 4 at ₹4,000 each, TEGS-VI gets 3 (two at ₹4,000, one at ₹4,340), and TEGS-VII gets 3 at ₹4,340 each. All are released every two years.
How many stagnation increments do clerks and subordinate staff get?
Under the 12th Bipartite Settlement (effective 01.11.2022), both clerical and subordinate staff get 11 stagnation increments after reaching the maximum of their scale, released every two years. Clerks draw ₹2,680 per increment; subordinate staff draw ₹1,345 per increment.
How often are stagnation increments paid?
Every two years — from the date of reaching the maximum of the scale, or from the date of the previous stagnation increment — for both officers and clerical/subordinate staff, under the current settlements.
Does passing JAIIB or CAIIB give an extra increment?
Yes. JAIIB gives one advance increment; CAIIB gives two more on top of that (three in total), provided the qualification is cleared before reaching the maximum of the scale. This applies to officers under the 9th Joint Note and to clerical/subordinate staff under the 12th Bipartite Settlement.
What happens if I pass JAIIB or CAIIB after I’ve already reached the maximum of my scale?
The advance-increment mechanism no longer applies once you’re at the maximum — there’s no further room in the scale to advance into. Instead, the qualification is recognised through Professional Qualification Pay (PQP), a separate fixed monthly allowance, rather than an increment.
Are stagnation increments counted for DA, HRA, and pension?
Yes. Both the 9th Joint Note and the 12th Bipartite Settlement explicitly include stagnation increments in the definition of “Pay” used to calculate Dearness Allowance, House Rent Allowance, and superannuation benefits — Provident Fund, Gratuity, Pension, and NPS/DCPS.
Which settlement governs current bank employee pay scales?
Pay scales effective from 1 November 2022 are governed by the 9th Joint Note (officers, JMGS-I to TEGS-VII) and the 12th Bipartite Settlement (clerical and subordinate staff), both signed on 8 March 2024 by the Indian Banks’ Association. Both run for a five-year period, until 31 October 2027.