Level 5 Salary 7th Pay Commission

Under the 7th Pay Commission Level 5 replaced Pay Band 1 (₹5,200–20,200) with grade pay ₹2,800. Which posts sit at this level is set by their own recruitment rules, so this page names none. The level has 40 cells, each about 3% above the one before, so there are 39 increments between entry pay and the top.

On ₹29,200, DA at 60% adds ₹17,520, HRA at the class X rate of 30% adds ₹8,760, and the transport allowance of ₹3,600 with ₹2,160 of DA on it adds ₹5,760: ₹61,240 gross. From it come ₹4,672 to NPS, ₹250 to CGHS, ₹30 to CGEGIS and no income tax, leaving ₹56,288.

Over a year the same entry pay is ₹7,34,880 gross. The employee takes ₹56,064 into NPS, ₹3,360 into CGHS and CGEGIS and pays no income tax, so ₹6,75,456 reaches the bank, while the government adds ₹78,492 to the pension account.

The figures assume a class X city with the higher transport allowance (Delhi), the new tax regime and NPS. In a class Y town without the higher allowance the same entry pay gives ₹50,488 in hand, and in a class Z town ₹47,568: the difference is HRA at 20% and 10% against 30%, and the lower transport allowance.

Before 2016 the pay at this level was Pay Band 1 (₹5,200–20,200) with grade pay ₹2,800. The pay matrix replaced pay bands and grade pay from 1 January 2016, and the level is the post’s place in it: a higher level is not a better title but a different pay column.

Levels are numbered in order of pay, and levels 4 and 6 are its neighbours: Level 4 starts at ₹25,500 and Level 6 at ₹35,400.

The level below, Level 4, ends at ₹81,100, and Level 5 starts at ₹29,200: ₹51,900 below the top of that level, so the two columns overlap. In hand at entry pay in Delhi, Level 4 gets ₹49,850 and Level 5 ₹56,288.

The level above, Level 6, starts at ₹35,400, which is -₹56,900 more than the top of Level 5 (₹92,300). A promotion from the top cell of Level 5 therefore raises basic pay by -₹56,900 at least, and entry pay at Level 6 leaves ₹66,846 in hand in Delhi against ₹1,46,613 at the top of Level 5.

Two deductions are set by the level. CGHS, the health scheme, is ₹250 a month at this level. CGEGIS, the group insurance, is ₹30 a month, the rate for Group C.

The table shows the whole pay slip at the first cell, the middle cell and the last cell of Level 5 in Delhi, a class X city with the higher transport allowance. DA is 60% of basic pay and HRA is 30%.

The government adds ₹6,541 a month to the NPS account at entry pay and ₹20,675 at the top, on top of the pay slip. Gross pay grows from ₹61,240 to ₹1,81,130, and the share that reaches you is 92% at entry pay and 81% at the top.

Transport allowance is ₹3,600 in the 19 cities on the Department of Expenditure’s list and ₹1,800 elsewhere, with DA on top.

Each row is one cell of the pay matrix. The three in-hand columns assume DA at 60%, the new tax regime, NPS, CGHS and CGEGIS, and no professional tax. Class X is a big city on the higher transport allowance list, class Y a town of that class without it, class Z any other town. Tap a figure to load it into the calculator and change anything.

The 40 cells run ₹29,200, ₹30,100, ₹31,000 and so on up to ₹92,300. A person who joins at the first cell reaches the last after 39 increments, which is 39 years if the increment falls every year.

The tax is worked out on a year of one month’s pay, less the ₹75,000 standard deduction, in the new regime, and a twelfth is taken each month. The rebate makes tax zero up to ₹12,00,000 of taxable income, with marginal relief just above it. DA arrears and any other income are taxed in the year you receive them, so your own year may differ.

At entry pay Level 5 is paid ₹7,34,880 a year, within the limit; at the top, ₹21,73,560. In the old regime, rent paid (the HRA exemption), 80C savings and your own NPS contribution are deducted, and you can try them under More options.

DA is 60% of basic pay now. The July 2026 instalment has not been announced; the twelve-month consumer price index gives 63.76%, and only the whole number is paid: 63%. At 63% the DA at entry pay of Level 5 rises by ₹984 a month (DA on basic and on transport allowance), ₹896 after NPS and tax.

At the top cell the same hike adds ₹2,877 a month, ₹1,852 in hand. The arrears from July arrive with the first salary at the new rate.

An increment moves you one cell down the column, about 3.1% here. It falls on 1 January or 1 July, depending on when you were appointed or promoted. From entry pay there are 39 increments to the top.

On promotion to Level 6, you first get one increment in Level 5 (₹30,100 from entry pay), and are placed at the equal or next higher cell of Level 6: ₹35,400, cell 1, ₹6,200 more than ₹29,200. From the middle of the level, ₹52,600, the promotion gives ₹55,200.