RRB NTPC vs IBPS PO: What to Choose| Salary Profile Promotions Work Culture

RRB NTPC vs IBPS PO: Salary, Job Profile, Work Pressure, Working hours, Transfers, Perks and Benefits, Future Growth and Final Verdict

Read to find out who wins RRB NTPC vs IBPS PO.

RRB NTPC  vs IBPS PO: Salary, Job Profile, Work Pressure, Working hours, Transfers, Perks and Benefits, Future Growth and Final Verdict


If we talk about govt. Jobs, the first two players that come in our mind our Indian railways and public Sector Banks.

And their is no doubt that both of these are very big contributors  in the growth of Our Economy.

But which one out of these two you should choose?

The answer is not easy and it depends upon your personal choice. But How can you make any choice until you have a detailed idea about both the job profiles.

In this article, we will discuss about both these organisations in a sequential manner.

Banks provide a respectable job. The requirement of young and energetic individuals in the banking sector has increased a lot. Ever year IBPS organizes a Combined Written Examination for the appointment of POs.

On the other hand, Railway which is the largest employer in India have always been in demand. railway offers a wide range of jobs. The recent buzz in the town is about the RRB NTPC exam, where across all the departments, nationwide recruitment is being done.Railway job is a 100 % government job.

Let us now take a closer look at both the profiles:

RRB NTPC vs IBPS PO: Salary, Job Profile, Work Pressure, Working hours, Transfers, Perks and Benefits, Future Growth and Final Verdict

RRB NTPC vs Bank PO #1: Job Profile 

RRB NTPC: Job Profile

In RRB NTPC , you are required to different type of work as per your post, generally it will be supervision and administrative work and would include the following

  • Operating the signals.
  • Maintaining the accounts of the railway.
  • Working as Guards.
  • Perform any work specified by department.

Bank PO: Job Profile

As a Bank PO you are expected to:

  • Provide services to customers
  • Enhance business of the bank
  • Handle cash activities at the bank
  • Manage Clearance of Payments
  • Manage accounts of customers
  • Official communication

RRB NTPC vs IBPS PO #2: Work Pressure

Work Pressure:

RRB NTPC are non technical posts in the Indian Railway. After joining you are allotted  department as per your merit, and thus you perform the tasks related to that post. You are given an initial orientation cum training. Scope of work includes a lot of variety .It is a continuous learning curve.

Bank PO’s work includes General Banking, Administrative Task, or any other task bestowed by the senior management from time to time. As a Bank PO you will undergo rigorous training to understand the nitty-gritties of Banking and trained for accounting, marketing, investment, billing, finance, human resources, forex, agriculture banking,general banking.

Work pressure wise the only differentiating factor is Customer Engagement. As a PO you have to interact/bring in new customers, however as an RRB Ntpc you are not expected to do that.

RRB NTPC vs Bank PO #3: Working hours

In RRB NTPC, your work schedule will depend on your post and the department , you are working in. It may be a day job, a night job, or anything as per the need of the railways.

Banks have recently started a new policy according to which, 2nd and 4th Saturdays of the month are declared holidays. This means you have a proper work schedule. Daily you will be going in the morning and coming back to your home in the evening.

RRB NTPC vs IBPS PO #4: Transfers

Both RRB NTPC and IBPS PO are govt./public sector jobs, making transfers a necessary evil in this comparison.

In banks, the transfers mostly take place every 2-5 years.In both Organisations, transfer is on the basis if seniority/promotion.

In RRB NTPC, transfer policy is different for different posts.

The plus point with LIC AAO is that most LIC branches are in city as compared to bank (which are also located in rural areas). So if you are an LIC AAO, you will spent most of your time in cities with a decent lifestyle.

RRB NTPC vs IBPS PO #5: Salary

As a PO in govt bank you are entitled to receive Rs.34 – 38,000/ month while in RRB NTPC you will receive Rs.21 – 25,000/ month

But in RRB NTPC, as per your post , you are entitled to allowances ( equal to your salary and sometimes even more).

Also The above salary of RRB NTPC is subject to revision under 7th Pay commission.

RRB NTPC vs IBPS PO #6: Perks and Benefits

RRb NTPC provides the following benefits:

  1. Dearness Allowance
  2. House Rent Allowance
  3. Transport Allowance
  4. LTC
  5. Cash Medical Benefit
  6. Group Mediclaim
  7. Pension Scheme

Banks provide the following perks:

  1. Contribution Pension Scheme/New Pension Scheme
  2. Medical Aid for self (100%) and for family (75%)
  3. LTC
  4. Home Travel Concession/ Leave Fare Concession
  5. Concessional interest rates for Housing/Car/Personal Loans

So , as per this criteria, both the posts are approximately equal.

RRB NTPC  vs IBPS PO #7: Future Growth

Promotions in Banks happen every 2-3 years in the following scale:

  • Bank PO
  • Assistant Manager
  • Branch Manager
  • AGM
  • GM

Promotions in RRB NTPC are a hard thing and not time bound too.As per your post you will be promoted to the next higher level.

  • Assistant Station Master can go upto Divisional Operations Manager.
  • Junior Accounts Assistant can go upto Chief Account Officers/ Financial Adviser
  • Goods Guard can go upto Chief Controller
  • Commercial Apprentice can go upto Senior Divisional  Commercial Manager

Promotion in banks are faster as the Banking Policies ensure a steady procedure for promoting a probationary officer at regular time period.On the other hand  the Insurance Sector follows a non-proactive promotion policy.

So definitely, future wise , Bank POs have a better prospect than RRB NTPC.

RRB NTPC vs IBPS PO #8: Final Verdict

Thus both have their own pros and cons. If you look from salary and daily work routine, You can opt for IBPS PO,

On the other hand, if you like to do different type of work then you may opt for RRB NTPC.

Here’s a list of Pros and Cons of both RRB NTPC and Bank PO.


  • Limited Workload.
  • No monotonous work.
  • Zero Customer Engagement
  • Low and long promotion cycles.
  • Less exposure to public.
  • Erratic work hours.
  • Lower salary than Bank PO


  • High promotion chances
  • Low Transfer cycle
  • Overall exposure
  • Better Salary
  • Lower loan rates
  • Rural Postings.
  • Customer Dealings

So who Wins? Well we are waiting for your answer.

[socialpoll id=”2327190″]

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If you have any queries regarding RRB NTPC or IBPS PO, please ask them in the comments section below, we will be glad to answer them for you!


    No comparison with central govt job like railway or ssc with Bank PO as since there is no night duty in PO but working hour is not fix in PO there is schedule time for coming but not a fixed rule for leaving the office and there is lot of pressure and in Railway fixed hour and One word BINDAS job

    • Abhishek
      Thanks a lot for your valuable feedback.

      • Arun Pd

        What about railway technician in mechanical and bank PO.

    • sambit kumar parida

      My best bro abhishek . railway is the diamont and bank is gold . railway is the beast

  • Anurag

    The salary of RRB ntpc is during the training period or is it the final salary. I heard after training you get as much as a bank po


      This is the initial salary that you will get at the time of joining.

  • Ravinesh Kumar

    What is the main work of Bank PO ?

  • Math

    Few things and wrongly written about bank job and I know that bcoz I’m a banker. 1) no bank officer goes home at evening. I go in the morning by 10am and no fixed time to go home, regularly after trying a lot we leave from branch at 8pm. And 2)transfers are after every 2yrs, which has no head and tail, they will post in everywhere other than where you have asked. 3) promotion stages are P.O/T.O (Asst.Manager) -> Asst Manager -> Deputy manager -> Manager -> Chief manager(CM) -> Asst.General manager(AGM) -> DGM -> CGM -> GM … And these are not so easy after CM. if there is any worst job in universe it’s only bank job.

    • Math
      Thanks a lot for sharing the inside story.
      Actually we have written the article on a general perspective.

  • vivek

    dear mockbank team you forgot to mention one important byproduct of bank po . Let me remind it to you and that is tension , sugar, headache etc . And rrb ntpc is not an insurance sector so please dont compare the two jobs. you should compare it with cgl posts.

    • Vivek
      Thanks a lot for your valuable feedback.
      We will definitely compare it with SSC CGL in the upcoming posts.

  • Amit Chaudhary

    nice analysis
    bank jobs are better

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  • vijay

    What is about holiday structure and leave structure in bank and rrb


      The structure is same as in government organisations.
      You get casual Leave, Privilege Leave, Sick Leave , Maternity/ Paternity Leave and some extraordinary leaves too