SBI clerk vs IBPS clerk -Salary Educational Qualification Promotion career growth prospects roles and responsibilites

SBI clerk vs IBPS clerk
Summary: SBI Clerk vs IBPS Clerk. Salary, Educational Qualifications Roles and Responsibilities, Career growth Prospects and Final Verdict

SBI clerk vs IBPS clerk – Who will win?

Dear MockBankers


In this article, we will compare the two major clerical level examinations namely IBPS Clerk and SBI clerk.

There was a time when each public sector bank in India had to take care of recruitment activities by conducting the selection process on their own. Today, things have changed drastically with the Institute of Banking Personnel Selection (IBPS) being nominated to complete the necessary procedure to fill vacancies.

At a time when the chips are down in the economy and the threat of downsizing looms in the private sector, candidates with professional qualifications are finding entry level jobs (Bank Clerk) in public sector banks attractive.

Nowadays, IBPS is regularly announcing recruitment exams for various positions in government-owned banks.Most common among them are the clerical level examinations. Every year more than lakhs of aspirants appear for these examination.

In this article, we will compare the two major clerical level examinations namely IBPS Clerk and SBI clerk.

The aspirants clearing SBI clerk examination get to join State Bank of India while those clearing IBPS clerk examination are allotted one from the following list of 15 Public Sector Banks:

  1. Indian Bank
  2. Indian Overseas Bank
  3. Oriental Bank of Commerce
  4. Punjab National Bank
  5. Allahabad Bank
  6. Andhra Bank
  7. Bank of Baroda
  8. Bank of India
  9. Bank of Maharashtra
  10. Canara Bank
  11. Central Bank of India
  12. Corporation Bank
  13. Dena Bank
  14. IDBI Bank
  15. Punjab and Sind Bank

We will compare both these exams on the basis of following parameters:

SBI Clerk vs IBPS Clerk: Salary

Both SBI and IBPS Clerk will place the clerk in the following scale:

Rs. 11765 – (655×3) – 13730 – (815×3) – 16175 – (980×4) – 20095 – (1145×7) – 28110 – (2120×1) – 30230 – (1310×1) – 31540

Apart from Basic Pay, as a clerk in PSBs you will get the following allowances:

(a) Dearness Allowance (DA): DA is revised on quarterly basis (i.e. in the months of February, May, August and November) based on the CPI as declared by Government of India. The current DA has been fixed at 39.40% of the Basic Pay). When inflation is high, DA goes up and vice versa.

(b) Special Allowance : This has been added in 10th BPS (wef 01/11/2012) for clerks it 7.75% on which DA is also payable

(c) HRA : This depends on the place of posting and it can be either 10% or 9% or 7.5% depending on the place of posting.

Thus, the initial Basic Pay of a clerk will be Rs.18,100 – 19,800 including allowances.

Bank clerk salary in SBI is 2000/- extra compare to other banks. Salary of SBI clerk is more because of extra allowances SBI offers to their employees.

So this round goes to SBI Clerk.

Click here for IBPS Clerk Salary, Promotion and Job Profile.

Click here for SBI Clerk Salary, Promotion and Job Profile.

SBI Clerk vs IBPS Clerk: Educational Qualifications

The qualification for the Assistant’s position, the lowest rung in mainline banking operations, is a degree (graduation) from a recognized university.

So, it does not matter if you apply for IBPS Clerk Or SBI Clerk, minimum educational qualifications are same in both.

SBI Clerk vs IBPS Clerk: Roles and Responsibilities

Generally roles and responsibilities of clerks are same across all the banks. This is the starting point for educated youth in the banks.  Usually newly recruited bank clerk is given training for few weeks and then they are placed  either in a branch or an administrative office. At the branch, clerical staff is supposed to work as Front Office person and has direct interaction with the public. However, with most of the banks being fully computerized, the job profile will be related to working on computers and entering the day to day transactions in the system.

Due to a big network SBI clerks gets more exposure as compared to their IBPS counterparts

SBI Clerk vs IBPS Clerk: Career growth Prospects

Those who have joined as a clerk can very quickly change their track of career.

In-cadre promotion of clerks

  • A person in clerical cadre      who has completed ten years of service will be promoted to the post of      Senior Assistant. This post shall carry a special allowance of Rs.1800/-.
  • A person in clerical cadre who      has completed twenty  years of service will be promoted to the post      of Special Assistant. This post shall carry a special allowance of      Rs.2500/- which will be ranked for DA & HRA
  • A person in clerical cadre who      has completed thirty years of service will be promoted to the post of      Senior Special Assistant. This post shall carry a special allowance of      Rs.3500/- which will be ranked for DA & HRA

Promotion of clerks to officer cadre

  • To  Trainee officer
    After three years of service, a clerk can become trainee officer after  clearing written test and interview. Such clerks are put under probation for a period of two years. After successful completion of probation, the      trainee officer based on performance will be either recruited into MMGS-II      cadre or sent back to clerical cadre.
  • Directly  to JMGS-I
    After six years of service under fast track promotion channel or after      twelve years of service under normal promotion channel, a clerk can become      a JMGS-Scale1 officer, after clearing a written test and interview,      subject to upper age limit.

Assuming a very sincere person joins in clerical cadre and works his way to the top, in merit channels, his career graph could look like the one in the picture below

Career Growth IBPS clerk and SBI clerk

Clerks in SBI , get more opportunities and are likely to become officer early in comparison to those working in other banks.

A senior public sector banker said “given the fast-track promotion process in public sector banks, an Assistant can hope to retire as a General Manager”

SBI Clerk vs IBPS Clerk: Final Verdict

SBI is one of the most preferred career options for candidates who are trying to get into a government job. It is quite evident in the number of applicants for the post of Probationary Officers. Against 1500 vacancies for the post of Probationary Officer, SBI received approx 17 Lac applications.

The same situation is for the recruitment of clerks. More than 30 lakh candidates appeared for the test for the clerk’s position.

“The large scale recruitment of Gen-next employees in the officers as well as in the Assistant grade have not only brought a far-reaching attitudinal change among staff in their customer interface and services across branches, it has also become a catalyst in enhancing/ improving the productivity and efficiency of employees,” SBI said in its annual report.


So friends, this is it for SBI Clerk vs IBPS Clerk. Now that you have read about both of them, tell us which one do your prefer to be the WINNER. We wish you all the best for IBPS Clerk Mains Result  and SBI preparation.

  • Jyotsana Dewhare

    This information is really very helpful for people who are fighting for Bank exams and ibps can clearly choose their own choice of exams.thanks for the information….

    • Vaibhav Mehta

      Your welcome Jyotsana

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  • Ranjitha. B. u

    I want to say very tqu fr giving a information regarding SBI clerk post.. Or ibps really it helps lot to knw abt clerk post tq.

    • Vaibhav Mehta

      Your welcome Ranjitha

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  • Akshatha

    Hello Mam , Can we know the tentative dates for SBI clerical


      SBI has not notified any such details.
      We can just wait till then

  • rishabh

    Areyyy promotion jldi kisme hoga …??


      both are nearly the same in terms of promotion

      • lone wolf

        Amit sir..any updates bout ESIC RESULTS??


          lone wolf
          We will update you as soon as we get any updates

          • lone wolf

            Thnk u amit sir..

  • Shashank Shahi

    Sbi po aur ibps po ki notification kab tak aayegi koi idea hai?

    • Akshay Jain

      sbi po may be come in the end of this month and ibps po may be in june or july

      • Shashank Shahi

        Kya po ki job achhai Hoti hai ya clark ki ? Sbi po ya ibps po? pls let me know


          PO is an officer level job. Big job means more power, more work and also more salary.
          Clerk as the name suggests is clerical level job.
          Rest it is your wish. But definitely PO is better than clerk

          • Shashank Shahi

            Is the exam formats of Clark & po is same or different ? Means exam number & aptitude, maths & other sections ? I m 26 can I apply for po exam ?

          • AMIT CHAUDHARY

            format is nearly the same but not exactly.
            as far as your age is considered, you will be eligible for both

          • Megamind

            Sir m curently working in grameen bank as po nd also have a offer letter from pnb clerk m confused now what shud i do as i dont see retiremnet security in grameen dey cut onli 1200 in pf. What shud i do?

  • bhaskar

    Dear sir ,
    I’m now working as cashier (office assistant) in Maharashtra grameen bank since 1 year. Yesterday I got appointment letter from SBH as clerk. So please tell me what can I do? Go for Sbh or not. Please reply. Thank you.


      SBH Clerk is definitely a great job.
      If you do not have any personal or family issues regarding place of posting, you can surely opt for it.


    dear sir, am from karnataka and shortly going to join karnataka bank for clerical post. Am having MBA degree with finance, my dream career is that to join banking sector and towards that. My question is am too much interested to work for forex department, can you please suggest me that how can i get into this..? do i need to do any certificate course for that.. please reply


      Yes you can do certificate course in foreign exchange conducted by IIBF.
      There are other such courses also, you can do them too.
      And definitely they will add to your portfolio

  • I heard somewhere that the Clerks salary in Punjab and Sind bank is less than other PSBs.Is that true?


      all banks have the same basic pay

      There can be a bit variation in the allowances as per your place of posting

  • Tanuj

    According to u which bank under ibps has better salary structure bcoz I have heard obc bank has better salary structure


      all banks have the same basic pay
      There can be a bit variation in the allowances as per place of posting

  • Raj marfatia

    Is it possible to give direct exam for deputy managing director?


      Generally not, but may depend if any vacancy is notifird

  • Rihanna

    How Much time does it take for a clerk to be promoted as a PO in IBPS/SBI ?


      approx 5 years, but it varies

  • Patrick S

    In case of SC candidate how many years of service is required for a clerk in sbi to be eligible for promotion in Officer Cadre??


      It depends on various criterias
      You have to serve approx 5 years and also give exams like JAIIB and CAIIB

  • sachin sharma

    Can i get posting in my hometown by PO or Clerical Exam?


      yes you may

      • sachin sharma

        But i have heard that people are rarely given their home posting for bank PO.


          Yes, but if your hometown is in a city, where more people do not opt for, then you can get home posting easily, but if your hometown is in a metro city or any other such big city, then it is a bit tough

          • mandla

            sir what are the chances ibps clerk5 reservelist iam in reserve list clerk5 and my date of birth is 1994

          • mandla

            iam in clerk5 reservelist but iam fearing about date of birth prefernce is there any possibility that all those who are in reserve list get selected

  • Rithul K

    For promotion from clerical to trainee officer in SBI, apart from 3 years of service any iibf qualification like JAIIB or CAIIB is mandatory?

  • harry potter

    Sir , From where we can get promotion policy of Central Bank of India??? And jaiib caiib both exams are mandatory for promotion to officer level??



      • Heisenberg

        is it true sir that engineers are promoted at a faster rate from clerk to po???

  • Saurabh Agarwal

    When the result of SBI clerk Mains is expected..??? And will there be interview for SBI clerk and SBI PO?


      Result is expected soon.
      And there will not be any interview

  • Zaira

    Thanku so much 🙂



  • khushal

    my one question
    agar kisi ko bolne me hakalata ho

    wo kaya bank me job kar sakata he

  • Usha Supriya

    is all bank exams have same syllabus??…..that means can we prepare sbi clerk 2016 book for ibps clerk 2016 exam??


      Computer is an extra thing, otherwise syllabus is same

  • Suresh chinna

    how much salary will be increased after complited jaiib and caiib for
    sbi clerks


      You get one-two increments

  • Nisha

    SIR,, Gurgaon CIRCLE HARYANA mein count hoga ya NCR mein..?
    I mean, a candidate selected under ibps clerk from haryana can be posted in GURGAON or Not?

  • Bank jobs

    iF there any reserve list too for sbi po,,i know it is not possible as there is no waiting list in sbi but there are some persons who say that there is some reserve list ,,,please confirm if any such list! and if anyone has been alloted through reserve list in 2015 recruitment