SSC CGL VS SBI PO Which is Better?


SSC CGL vs SBI PO The biggest Job Comparison of 2016 Covering Salary, Job Profile, Work Pressure, Working hours, Transfers, Perks and Benefits, Future Growth and Final Verdict.


What is that makes lakhs of aspirants prepare for these exams. Every year more than 50 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 about both these organisations in a sequential manner which is surely going to help you to find out the right examination (Read ‘career’) which you should go for!.

SC CGL (Staff Selection Commision 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, Banks provide a respectable job. The requirement of young and energetic individuals in the banking sector has increased a lot. Ever year SBI organizes a Combined Written Examination for the appointment of POs.

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

SSC CGL vs SBI PO #1: Job Profile

SSC CGL: Job Profile SSC CGL vs SBI PO| What to choose

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

  • Do clerical work in 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 National policies by looking after the back office work.

SBI 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

SSC CGL vs SBI PO #2: Work Pressure

SSC-CGL job are more relaxed and allow 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 include 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.

SBI 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 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 it is not a mandate in SSC CGL.

SSC CGL vs SBI PO #3: 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.

SBI has last year 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.

SSC CGL vs SBI PO #4: Transfers

Both SSC CGL and SBI 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, transfer is on the basis if seniority/promotion.

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

SSC CGL vs SBI PO #5: Salary

There is not much disparity between the two in terms of the salary between the two, but since in case of SBI 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 SBI you are entitled to receive Rs.37 – 40,000/ month

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

SSC CGL vs SBI PO #6: Perks and Benefits

SSC CGL provides the following benefits:

  • Dearness Allowance
  • House Rent Allowance
  • Transport Allowance
  • LTC
  • Cash Medical Benefit
  • Group Mediclaim
  • Pension Scheme

Banks provide the following perks:

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

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

SSC CGL vs SBI PO #7: 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 upto Joint Secretary.

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

  • PO
  • Assistant Manager
  • Branch Manager
  • AGM
  • GM
    Promotion in SBI is 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 departm Insurance Sector follows a non-proactive promotion policy.

SSC CGL vs SBI PO #8: Social Status in Society:

People generally relate your job to your social status. People who are recruited in top SSC jobs definitely enjoy a high social status as compared to their counterparts working in Banks. But of all the Bank Jobs, only the status of an officer in SBI (Even RBI too) is something that can still match the glamour of SSC CGL posts.

Start Preparing for SBI PO Now!

SSC CGL vs SBI PO # Final Verdict

Thus both have their own pros and cons. If you look from less work load , You can opt for SSC CGL.

On the other hand, if you like to do daily routine work then you may opt for SBI 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.
  • Excessive Workload

Want more comparisons? Checkout:

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

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  • Ajay Singh Chauhan

    SSC is the best no comaprison

    • Radhika Sharma

      You have not seen the notification of SBI then.
      This time they have increased the salary to 12.93 lakhs

      • Abhijit

        Main bhai hai SBI PO 2013…. Kehta hai SBI main khoon chuss lete hai tumhara kaam karwa ke… Family ke liye bahot kum time… Paise hai bahot par tension ne uski jaan nikal di hai…

      • Lakhansing

        What kind of lifestyle and salary can I expect after clearing an SSC CGL precisely in MEA?
        Can you answer this question?
        1 ANSWER
        NITIN, My BEST is yet to come…
        3.8k Views • Most Viewed Writer in Government Jobs
        Assistant in Ministry of External Affairs-This is a post in the pay band 9,30034,800 with grade pay of RS 4600.
        The most sought post under CGL due to charm of foreign posting and hefty salary package. In foreign posting you’ll get US $1,800 to 2,900 (Rs1,10,000 to 1,70,000),as foreign allowance depending on the country you are posted in, in addition to your basic pay; and US $400 to 600 as other allowances such as heating or cold allowance.
        If a person is interested in a foreign posting he is given a few choices for the needed postings and he is posted according to those choices preferably. There is no compulsion from the ministry on a foreign posting. If you want you can spend your whole of the service tenure in Delhi itself also. You can get even HOME POSTING in RPO (Regional Passport Office.)

        You don’t get foreign posting under 2 years of your joining generally. Foreign countries are divided under 5 categories, namely A+, A, B, C and HARDC.
        Name of some countries under different categories are here under:
        A+: New York, Toronto, Washington DC, Wellington, Geneva, etc.
        A: London, Paris, Madrid, Mexico City, Tokyo, Berlin, etc.
        B: Chicago, Warshaw, Zurich, Helsinki, Copenhagen, Vienna, Munich,Melbourne,Sydney, Auckland, Stockholm, Moscow, etc.
        C: Thimpu, Kuwait, Manila, Bangkok, Hawana, etc.
        HARDC: Kabul, Damascus, Kandhar, MazareSarif, etc.
        Assistant in MEA gets foreign posting for a period of 3 years normally in one single instance, after which either you are back in Delhi or are transferred in another country directly from there.
        In HARD C countries the posting is only for 1.5 or 2 years. You can carry your own car or bike with you when you are posted abroad, and are entitled to carry1,500 Kg of luggage. When on a foreign posting you get elite class medical facilities for yourself and dependent family members.

        Promotion Prospective:
        1. Assistant to Administrative Officer in 5 years (If you clear the departmental exam)
        Otherwise a promotion in this post is very slow.
        2. Under Secretary (IFS)
        3. Deputy Secretary
        4. Director
        5. Joint Secretary 4 years.
        In small countries the Director is posted as the Head of Mission (Consulate General of India). Joint Secretary is an Ambassador level post.
        When you become Under Secretary you’ll get IFS Cadre and UPSC will allot you a batch year; thereafter you can call yourself IFS officer. Under Secretary is entitled to get one servant service when posted in a foreign country.

        While posted in the HQ you’ll get type III accommodation (2 rooms +
        drawing room). MEA has its own quarters at Dawarka, Delhi. There is no waiting list like other ministries/departments where 6,000 or so are found to be in wait everytime and it takes almost 7-8 years for a govt flat to be allotted. In MEA you can get a flat to be allotted after the completion of one year in service. If one or more years of service tenure has already been completed by you in any other department, you can get a govt flat allotted straightaway on your joining of MEA. In foreign posting the govt provides 3 BHK fully furnished flat in which all household items are there such as refrigerator, sofa, bed, etc. If by chance you don’t get the govt
        accommodation in time you are entitled to get accommodation in a FIVE STAR HOTEL with your entire family with you residing.

  • Kiran

    abe ssc wala paaani bharega sbi po ke aage

    • Ajay Singh Chauhan

      Examiner ya AAO k saamne SBI PO ki koi aukaat nahi h

      • Kiran

        examiner ka to sawal hi nahi

  • ? Vivek_

    I think sbi Po is the best job in comparison of ssc cgl

    • Priya Chauhan

      I agree

      • Ajay Singh Chauhan

        SBI Po ka work pressure nhi pata tumko.
        Mazdoor ki job karlo par SBI PO kabhi nahi

  • Priya Chauhan

    Jab SBI PO clear ni hoga tab tumko yad aega ki SSC CGL Better tha

  • Math

    Bank PO doesn’t have a routine, every hour, work load increases, new targets keep adding,. and after asst. Manager everyone doesn’t become a branch manager, actually after asst. Manager, u become deputy manage, then manager, then chief manager, then Asst. General manager, etc. One of my branch manager once said, he will make his son sell peanuts on road side, than joining a bank. Such a worst job is bank job. When comes to respect, forget about branch clerk, even the dog outside branch doesn’t respect you. Only the guys who need loans pretend respecting you.