SSC CGL vs IBPS PO| What to choose

The heat is on. It is SSC CGL vs IBPS PO today. See who wins.

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

Ask any government job aspirant, Which exam is he preparing for? Definitely, the answer should be either SSC CGL or IBPS PO.

What is that makes the mass prepare for these exams? Every year more than 20 lakh candidates apply for these two exams. Both of them are among the biggest contributors in generating employment opportunities.

But which one out of these two you should choose? There is no concrete answer and it all depends on your perspective. Ask yourself as to what you like, what you want to do in your professional life and which field lures you.

If you still find it to be difficult, then no worries we are here for you.

In this article, we will discuss both these organizations in a sequential manner which are surely going to help you to find out the right examination (Read ‘career’) which you should go for!.

SC CGL (Staff Selection Commission Combined Graduate Level) Examination is one of the biggest government job recruitment exams of India.Every year the Staff Selection Commission conducts this CGL exam for recruitment in various Central Government Departments like Central Secretariat Service, Central Vigilance Commission, Intelligence Bureau, CBI, Ministry of Railways/ External Affairs /Defence and a few other Ministries.SSC CGL job is a 100 % government job.

On the other hand, Government Banks provide a respectable and stable job with good perks. The requirement of young and energetic individuals in the banking sector has increased a lot. Every year IBPS organizes a Combined Written Examination for the appointment of POs.


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

#1: SSC CGL Job Profile vs IBPS PO Job Profile 

SSC CGL: Job Profile

SSC CGL Full Form: Staff Selection Committee Combined Graduate Level

SSC CGL vs IBPS PO| What to choose

While looking up about IBPS PO, the question coming to your mind would be that What is SSC CGL?

As an officer recruited through SSC CGL, you will be expected to:

  • Do clerical work in the office like answering RTI queries.
  • Make notes and do filing work.
  • Do general administration work.
  • Do field Jobs that involve travelling.
  • Carry out raids, Inspections, surveillance etc.
  • Help in shaping Nationwide policies by looking after the back office work.

IBPS PO: Job Profile

IBPS PO Full Form: Institute of Banking Personnel Selection Probation Officer

While looking up about IBPS PO, the question coming to your mind would be that What is IBPS PO?

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

#2: SSC CGL Work Pressure vs IBPS PO Work Pressure

SSC CGL job is more relaxed and allows a good work-life balance. After joining you are allotted one of the 30 departments as per your merit, and thus you perform the task that includes supervision, Administrative Task, or any other task bestowed by the senior officials from time to time related to that post. At times SSC-CGL jobs can also be very demanding if you are asked to work under political pressure every day. This is dependent on your superiors and the department in which you are posted.

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-gritty of Banking and trained for accounting, marketing, investment, billing, finance, human resources, forex, agriculture banking, general banking.Work pressure wise both the jobs are nearly the same, the only differentiating factor is Customer Engagement. As a PO you have to interact/bring in new customers, however, t is not a mandate in SSC CGL.

 11 Tips to Crack English Section of IBPS PO Prelims

#3: SSC CGL Working Hours vs IBPS PO Working Hours

In SSC CGL, you will have a proper work schedule. Daily you will be going in the morning and coming back to your home in the evening, no extra work hours and working in shifts.

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.

10 Tips to crack Reasoning Section of IBPS PO Prelims 2016

#4: SSC CGL Transfers vs IBPS PO Transfers

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

In SSC, the transfers mostly take place every 4-5 years (except in CSS jobs where you will always be posted in Delhi).In both Organisations, the transfer is on the basis if seniority/promotion.

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


#5: SSC CGL Salary vs IBPS PO Salary

There is not much disparity between the two in terms of the salary between the two, but since in the case of Bank PO job you face regular transfers and posting after a period of time so henceforth a part of your income will be used in relocating your place and for covering other expenses. As a PO in govt bank, you are entitled to receive Rs.34 – 38,000/ month

Also, The salary of SSC CGL is subject to revision under 7th Pay commission.

Ask any government job aspirant, Which exam is he preparing for? Definitely, the answer should be either SSC CGL or IBPS PO.

 12 Tips to Crack Quantitative Aptitude Section of IBPS PO 

#6: SSC CGL Perks vs IBPS PO Perks and Benefits

SSC 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.

 SSC CGL TIER 2 Pattern and Syllabus

#7: SSC CGL Future Growth vs IBPS PO Future Growth

Promotions in SSC happen every 4-5 years. As per your post, you will be promoted to the next higher level.

  • Auditor will become Senior Auditor in 3 years.
  • Assistant Enforcement Officer will become Enforcement Officer in 4-5 years.
  • Income Tax Officer will become Assistant Commissioner, then Deputy Commissioner and Finally Commissioner.
  • Assistant in CSS will be promoted to the next post – SO (which is a Group-B Gazetted Officer post) and can go up to Joint Secretary.

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

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

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 in SSC CGL, all depends upon your concerned department.

 Similarities & Differences b/w Syllabus of SSC CGL and IBPS PO

#8: SSC CGL Social Status vs IBPS PO Social Status 

Well, let’s take a real-life scenario here. You might behave a lot of your relatives working in the bank, Let’s say your uncle is in Uco Bank and your cousin is in Corporation Bank. Yes everybody has a number of relatives working in banks. Have you ever boast of it.But how many people you know are Income Tax or Excise Inspector. A very few.The rarer the better.
People generally relate this to social status (yeah you got it right). People who are recruited in top SSC jobs definitely enjoy a high social status as compared to their counterparts working in Banks. Not only this: You become ‘Gazetted Officer within 3 years of your joining in SSC CGL.

 Best Books for SSC CGL Preparation: Tier 1and Tier 2

SSC CGL vs IBPS PO # Final Verdict

Thus both have their own pros and cons. If you look at social status and, You can opt for SSC CGL.

On the other hand, if you like to do daily routine work then you may opt for IBPS PO.

Here’s a list of Pros and Cons of both SSC CGL and Bank PO.


  • High chances of promotion
  • Respect in the society
  • Immense Power
  • Overall exposure


  • Remote Postings.
  • Bureaucratic Pressure



  • High promotion chances
  • Low Transfer cycle
  • Better Salary
  • Lower loan rates


  • Rural Postings.
  • Customer Dealings



Want more comparisons? Checkout:

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


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