NIACL AO vs SBI PO-What to choose?

As both NIACL AO and SBI PO are much sought-after exams, you need to know the difference before making up your mind to choose one of them as a career option. Both jobs offer a busty salary and good career growth, but choosing one of them may a difficult task unless you do a good comparison keeping in mind your own interests and talents.

Therefore, this article deals with the detailed comparisons of NIACL (New India Assurance Company Limited) AO (Administrative Officer) vs SBI (State Bank of India) PO (Probationary Officer).

Before discussing the comparison, let us compare a few important highlights of both the posts:

NIACL AO vs SBI PO-Overview

Particulars	SBI PO	NIACL AO
Responsibility	Public Dealing	Client Interaction, Auditing and Analysing and Policy Making
Posting	Urban/Rural	Urban
Promotions	Frequent	After 5-8 years
Transfer	Frequent	After 3-5 years
Exam Type	Online: Prelims + Main	Online: Prelims + Main
Bond	3 Years	4 years Bond

SBI PO vs NIACL AO-Exam Pattern

Given below is the comparison of the Exam pattern of both the exams:

SBI PO Exam Pattern Prelims

Serial Number	Name of section	Number of questions in the section	Marks allotted for the section
1.	English Language	30	30
2.	Quantitative Aptitude	35	35
3.	Reasoning Ability	35	35
	Total	100	100

SBI PO Main Exam Pattern

Serial Number	Name of the section	Number of questions asked in the section	Marks allotted to the section
1.	English language	35	40
2.	Data Analysis and Interpretation	35	60
3.	Reasoning Ability and Computer Aptitude	45	60
4.	General Awareness (special reference to banking industry)	40	40
	Total	155	200 marks

NIACL AO Exam Pattern 2021

Phase-1 – Prelims Exam Pattern

Subject	Marks	Time	Medium
English Language	30	20 Minutes	English
Reasoning	35	20 Minutes	English & Hindi
Quantitative Aptitude	35	20 Minutes	English & Hindi
Total	100	60 Minutes

Phase-2 Exam Pattern – Mains

Subject	No. of Ques.  / Max Marks	Time	Medium	Type
Test of English Language	50	120 Mins	English	Objective
Test of Reasoning	50	English & Hindi	Objective
Test of General Awareness	50	English & Hindi	Objective
Test of Quantitative Aptitude	50	English & Hindi	Objective
Total	200

Main Differences between SBI PO & NIACL AO

Basis of Difference	SBI PO	NIACL AO
Salary Structure	In-hand salary – 42,000-44,000 (But including everything and if you crack the JIIB exam after you join as a PO, your annual package can range from 8.00 LPA – 13.00 LPA	Basic pay of Rs. 32,795/- on the scale of Rs. 32795-1610(14)-55335-1745(4)- 62315 and other admissible allowance as applicable. Gross emoluments will be approximately Rs. 60,000/- p.m. in Metropolitan Centers. Other benefits such as coverage under National Pension System governed by PFRDA, Gratuity, LTS, Medical Benefits, Group Personal Accident Insurance, etc., shall be as per rules. The Officers are also entitled to Company’s / leased
Educational Qualification	Graduation or any equivalent degree	Graduation or any equivalent degree
Age limit	21 to 30 years
Age Relaxation	SC/ST- 5 years OBC (NCL)- 3 years
Number of Maximum attempts	UR/EWS –4 OBC- 7 SC/ST – No Limit
Bond	An SBI PO has to sign a three-year bond	A minimum period of four years including probation period
Career Growth	-Probationary Officer (Assistant Manager, JMGS- I) -Deputy Manager (MMGS) -Manager (MMGS) -Chief Manager (MMGS) -Assistant General Manager (SMGS) -Deputy General Manager (TEGS) -Chief General Manager (TEGS) -General Manager (TEGS) -Deputy Managing Director	Employees need five years of regular work to get promotions in NIACL need at least five years of work. We can assume it has more to do with seniority.   From here, employees can expect promotions at the interval of every three years. You will have a raise in your perks and basic salary as well.  The employees of NIACL can expect a wage revision as per the guidelines, in every five years.
Work Culture	Work pressure is high for an SBI PO.	Work pressure is comparatively less if compared with SBI PO
Transfer Policy	Transfers happen every 2 to 3 years. Can be transferred to Rural or Urban Areas    Get an amazing SBI Mock Tests Series and Beat the upcoming SBI PO Exam with flying colours!	Transfers happens every 3 to 5 years.

Conclusion

Ideally, neither NIACL AO nor SBI PO job can be called a better job than the other. It solely depends upon your interests and abilities to make a career choice. Hence, your judgement should be based on the parameters that explore how much and what these jobs can offer you in totality. By the above-mentioned table, you might have clearly understood the similarities and stark differences between NIACL AO and SBI PO. Now, it will help you in getting a perfect idea about which job suits your personality best. Hence, you need to gear up to prepare for either one of them or both. Both exams are worth it and impart industry experience and may as well lead you to the path of progress and satisfaction. Give as many NIACL AO and SBI PO Mock Tests as you can to get fully prepared to beat them!