The Andhra Pradesh State Co-operative Bank Ltd. (APCOB) is the main cooperative bank in Andhra Pradesh. From time to time, it hires Staff Assistants (clerks) and Managers (Scale-I / Assistant Managers). Pay is based on IBA/7th-CPC standards, and details appear in APCOB recruitment notices. The 2025 hiring round's documents show the available jobs and pay for each position.
APCOB Manager vs APCOB Staff Assistant Salary Per Month
Always refer to the specific APCOB notification PDF for the district and position you're applying for, as IBA/7th-CPC linked pay stages may vary across different APCOB/DCCB notifications and district recruitments. Important salary details are tabulated below:
Post | Typical pay scale shown in 2025 notifications / guides |
Staff Assistant / Clerk | ₹17,900 – ₹47,920 (older IBA-aligned) — many 2025 summaries show updated entry pay commonly quoted as ₹24,050 rising to ₹64,480 depending on the district/notification. |
Manager (Scale-I / Assistant Manager) | ₹26,080 – ₹57,860 (widely quoted for Assistant Manager / Manager Scale-I in 2025 notices); some reports show higher upper bands for other manager grades. |
In-Hand Salary — How Much You Actually Take Home in 2025?
Basic pay (pay scale) is quite easy to analyze but actual take-home depends on Dearness Allowance (DA), HRA (location), and statutory deductions (PF / contributions / professional tax). Below are estimated monthly figures for 2025:
Assumptions used for the examples below (clearly noted because these change with government / IBA orders):
- Example entry basic: Staff Assistant = ₹24,050; Manager/Assistant Manager = ₹26,080 (these numbers are representative of 2025 job notices and salary write-ups).
- Bank DA (illustrative bank/IBA rate observed mid-2025): 21.13% of basic (bank DA settlements differ from central govt DA; use the IBA / bank orders applicable when computing).
- HRA: 9% / 18% / 27% of basic depending on posting (metro / large city / other).
- Employee PF / contribution: assumed 12% of (basic + DA) — cooperative banks often follow provident/contributory arrangements (check your offer letter).
- Professional tax & small recoveries: approximate ₹200/month.
1) Staff Assistant (entry basic ₹24,050)
- Basic = 24,050.
- DA @21.13% = 24,050 × 0.2113 = ₹5,082 (rounded).
- HRA (9%) = 24,050 × 0.09 = ₹2,164 → Gross = 24,050 + 5,082 + 2,164 = ₹31,296.
- PF (12% of basic+DA) = 12% × (24,050 + 5,082) = 0.12 × 29,132 = ₹3,496 (rounded).
- Deductions (PF + PT) ≈ 3,496 + 200 = ₹3,696.
- Approx. in-hand = 31,296 − 3,696 = ₹27,600 / month (for HRA 9%).
If posted to a higher HRA city (18% / 27%), the gross and in-hand rise respectively to about ₹29,765 (HRA 18%) or ₹31,930 (HRA 27%). (figures estimated ; see official APCOB notifications and sources for actual pay and current DA/HRA rules).
2) Manager / Assistant Manager (entry basic ₹26,080)
- Basic = 26,080.
- DA @21.13% = 26,080 × 0.2113 = ₹5,511 (rounded).
- HRA (9%) = 26,080 × 0.09 = ₹2,347 → Gross = 26,080 + 5,511 + 2,347 = ₹33,938.
- PF (12% of basic+DA) = 12% × (26,080 + 5,511) = 0.12 × 31,591 = ₹3,791 (rounded).
- Deductions (PF + PT) ≈ 3,791 + 200 = ₹3,991.
- Approx. in-hand = 33,938 − 3,991 = ₹29,947 / month (HRA 9%). With HRA 18% / 27% in-hand rises to ~₹32,294 and ~₹34,642 respectively.
Important Notes: These are worked examples to show how pay components combine. Actual in-hand will vary by the DA rate in force for cooperative/banking sector at the time, district allowances, exact basic from your appointment order, tax, insurance and any other statutory deductions. Always compute using the APCOB appointment letter + latest IBA / bank / AP govt orders.
Figures are estimated, check and see official APCOB notifications and sources for actual pay and current DA/HRA rules).
Job-profile comparison
Staff Assistant (Clerk) roles are front-office and back-office operational posts:
- customer servicing,
- cash handling,
- ledger entries,
- account opening/closures,
- basic lending documentation, and
- routine branch operations.
Manager / Assistant Manager (Scale-I) are junior officer posts with supervisory and decision-making responsibilities —
- they handle credit appraisal,
- branch administration,
- recovery,
- staff supervision,
- MIS reporting, and
- act as in-charge of certain branch functions.
Managers carry higher responsibility and therefore begin on a higher pay scale and faster promotional ladder. (Job and duty outlines are described in APCOB notification/job profile notes).
Promotion & career path comparison
From Staff Assistant → Officer/Manager: APCOB service regulations and internal promotion rules provide a formal promotion route. Typical eligibility for promotion from Staff Assistant to Manager includes minimum service (commonly ~5 years), passing internal exams or meeting assessment criteria (confidential reports, written tests, seniority), and vacancy availability. The APCOB staff service regulations lay out a points-based formula (interview, CRs, written test, service, qualifications) for promotion.
Manager → Senior Manager / Higher posts: Managers who clear departmental promotions, ROs/selection committees, or obtain requisite experience/qualifications may progress to senior managerial positions, branch heads and administrative posts. Direct recruitment also fills a portion of Manager vacancies (rotation rules exist).
Perks & benefits — Comparison
Both cadres typically receive:
- Allowances: HRA, DA, conveyance/transport allowance (where admissible), and other small reimbursements per bank policy.
- Social security: Provident Fund / contributory pension arrangements (varies by appointment terms), group insurance, medical/medical reimbursement schemes.
- Leaves & welfare: Leave encashment, maternity/paternity provisions, festival advances, LTC or leave travel rules as per APCOB HR policy.
- Additional for Managers: Higher salary scale, faster access to credit authorisation powers, supervisory allowances (if any), and better prospects for deputation / district posts. Managers also enjoy higher CTC and faster movement into senior grades.
Final notes & practical advice
Check the specific APCOB notification PDF for the district/post you’re interested in — APCOB issues district-wise notifications and pay scales can vary by the post and year. (Always download the official PDF from official website of APCOB.
The in-hand figures above are illustrative. Small changes in DA (bank/circle orders), HRA zone and statutory deductions will move the figure by a few thousand rupees. Use your appointment basic, the current DA for bank employees (IBA) and your HRA zone to compute exact numbers.
For career planning, Staff Assistant is a stable entry with internal promotion routes; Manager starts higher, offers earlier supervisory responsibility and higher long-term earnings. Promotion rules and reservation/rotation percentages are documented in APCOB service regulations.
