Sepoy Salary 2026 — Indian Army Pay & Allowances
Complete salary breakdown for Sepoy (Sailor / Airman) — Pay Level 3, OR
Entry Pay
₹21,700
MSP
₹5,200
Total (Basic+MSP)
₹26,900
8th CPC (Est.)
₹51,648
Army: Sepoy | Navy: Sailor | Air Force: Airman
Last Updated: April 2026
Sepoy Pay Matrix — All 40 Increments (Level 3)
| Cell | Basic Pay (₹) | Basic + MSP | 8th CPC (Est.) |
|---|---|---|---|
| 1(Entry) | ₹21,700 | ₹26,900 | ₹51,648 |
| 2 | ₹22,400 | ₹27,600 | ₹52,992 |
| 3 | ₹23,100 | ₹28,300 | ₹54,336 |
| 4 | ₹23,800 | ₹29,000 | ₹55,680 |
| 5 | ₹24,500 | ₹29,700 | ₹57,024 |
| 6 | ₹25,200 | ₹30,400 | ₹58,368 |
| 7 | ₹26,000 | ₹31,200 | ₹59,904 |
| 8 | ₹26,800 | ₹32,000 | ₹61,440 |
| 9 | ₹27,600 | ₹32,800 | ₹62,976 |
| 10 | ₹28,400 | ₹33,600 | ₹64,512 |
| 11 | ₹29,300 | ₹34,500 | ₹66,240 |
| 12 | ₹30,200 | ₹35,400 | ₹67,968 |
| 13 | ₹31,100 | ₹36,300 | ₹69,696 |
| 14 | ₹32,000 | ₹37,200 | ₹71,424 |
| 15 | ₹33,000 | ₹38,200 | ₹73,344 |
| 16 | ₹34,000 | ₹39,200 | ₹75,264 |
| 17 | ₹35,000 | ₹40,200 | ₹77,184 |
| 18 | ₹36,100 | ₹41,300 | ₹79,296 |
| 19 | ₹37,200 | ₹42,400 | ₹81,408 |
| 20 | ₹38,300 | ₹43,500 | ₹83,520 |
| 21 | ₹39,400 | ₹44,600 | ₹85,632 |
| 22 | ₹40,600 | ₹45,800 | ₹87,936 |
| 23 | ₹41,800 | ₹47,000 | ₹90,240 |
| 24 | ₹43,100 | ₹48,300 | ₹92,736 |
| 25 | ₹44,400 | ₹49,600 | ₹95,232 |
| 26 | ₹45,700 | ₹50,900 | ₹97,728 |
| 27 | ₹47,100 | ₹52,300 | ₹1,00,416 |
| 28 | ₹48,500 | ₹53,700 | ₹1,03,104 |
| 29 | ₹50,000 | ₹55,200 | ₹1,05,984 |
| 30 | ₹51,500 | ₹56,700 | ₹1,08,864 |
| 31 | ₹53,000 | ₹58,200 | ₹1,11,744 |
| 32 | ₹54,600 | ₹59,800 | ₹1,14,816 |
| 33 | ₹56,200 | ₹61,400 | ₹1,17,888 |
| 34 | ₹57,900 | ₹63,100 | ₹1,21,152 |
| 35 | ₹59,600 | ₹64,800 | ₹1,24,416 |
| 36 | ₹61,400 | ₹66,600 | ₹1,27,872 |
| 37 | ₹63,200 | ₹68,400 | ₹1,31,328 |
| 38 | ₹65,100 | ₹70,300 | ₹1,34,976 |
| 39 | ₹67,100 | ₹72,300 | ₹1,38,816 |
| 40 | ₹69,100 | ₹74,300 | ₹1,42,656 |
Each row ≈ 3% annual increment. MSP: ₹5,200 (OR). View civilian Level 3 →
Sepoy In-Hand Salary Calculator
City Category
NPS
Earnings
Deductions
Net In-Hand (Monthly)
₹49,020
8th CPC Projected
₹60,031
+22%
DA & HRA calculated on Basic + MSP. Excludes ECHS, income tax, minor deductions. Defence Pay Matrix →
8th CPC Salary Projection for Sepoy
| Component | 7th CPC | 8th CPC (Est.) |
|---|---|---|
| Basic Pay | ₹21,700 | ₹41,664 |
| MSP | ₹5,200 | ₹9,984 |
| DA | 60% (₹16,140) | 0% (reset) |
| HRA (X-city) | ₹8,070 | ₹12,396 |
| Gross (approx) | ₹51,710 | ₹65,196 |
| NPS (10%) | ₹2,690 | ₹5,165 |
| Net In-Hand | ₹49,020 | ₹60,031 |
| Increase | +₹11,011 (+22%) | |
Entry pay, X-city, NPS deducted. MSP also revised at 1.92×. Learn about fitment factor →
About Sepoy in the Indian Army
The Sepoy is the entry-level rank in the Indian Army, equivalent to a Private in Western armies. Sepoys form the backbone of infantry battalions and perform frontline combat duties, guard duties, patrol operations, and logistics support. They are trained in weapons handling, field craft, and basic military tactics during their initial training at regimental centres.
Entry / Promotion
Direct recruitment via Agniveer scheme or Army recruitment rallies. Candidates must be 17.5-23 years old with 10th/12th pass depending on trade.
Typical Experience
Entry level — 0 to 4 years of service
Promotion
Promoted to Lance Naik after 4-5 years based on merit and vacancy
Next Rank
→ Lance Naik
Sepoy vs Lance Naik — Salary Comparison
| Aspect | Sepoy | Lance Naik |
|---|---|---|
| Level | 3 | 3 |
| Entry Pay | ₹21,700 | ₹21,700 |
| MSP | ₹5,200 | ₹5,200 |
| Total (Basic+MSP) | ₹26,900 | ₹26,900 |
| In-Hand (X-city) | ₹49,020 | ₹49,020 |
| Category | OR | OR |
Sepoy — Frequently Asked Questions
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