RRB PO VS RRB Clerk-Pros & Cons!

Many budding banking aspirants often get confused while selecting a post, as they are new to the understanding of different bank posts, their selection procedure, and preparation. In this article, we will shed some light on the comparison between the IBPS RRB Office Assistant and IBPS RRB Officer.

Let’s discuss all you need to know to help you to make a good selection of career as per your abilities and interest.

Note: The main difference between Officer Scale-I and the Office Assistant syllabus is that in RRB PO Exam Quantitative Aptitude is asked whereas it is being replace with Numerical Ability in RRB Clerk. Quantitative Aptitude is an advanced and tougher version of Numerical Ability.

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Advantages & Disadvantages of Being an RRB Clerk

The advantages and disadvantages of an RRB Clerk job are relative. For instance, low work pressure might be desirable for some employees, but not so desirable for those who want to succeed by proving their mettle.

Here are some major Pros and Cons of working in an RRB as a Clerk:

Pros of working in RRB as an Officer or Clerk

1.    Job Satisfaction

Most of the customers of Regional Rural Banks earn their livelihood as farmers and workers, involved in the Agrarian economy. They require a bank account for various purposes, such as receiving MNREGA Wages, Government grants, and to purchase products for agricultural purposes, like, tractors, machinery, etc.) or start a new business. The employees of RRB (Regional Rural Banks) help these people by providing them loans, assist them in agricultural finance and other necessary facilities. Therefore, they help in the development of rural or backward areas. By working and interacting with rural people the employees get a lot of experience, which could prove to be really helpful for any related work they want to pursue in the future.

They get job satisfaction in various ways:

Interaction with the rural populace

In addition, RRB Employees also get the chance of attending workshops or training conducted by the Government to learn more about farming and breeding techniques, optimal usage of water resources, and much more. This helps the officers to discover ways in which they can reach people easily, communicate effectively with the rural populace, and make a channel to engage them with the banks to get the necessary finances for their future activities.

NGOs & seminars

Some officers also join Non-Government Organizations (NGOs), attend seminars, and other events to gain an edge over other employees to grow in their careers.

Posting in hometown

RRB requires you to know the local language of the place you will be posted to. Therefore, you have a high chance of getting posted in your own home state.

2. Job security

An RRB Clerical Job is less stressful and involves less work pressure due to a limited workload when compared to clerical jobs in commercial banks. The bank timings are mostly fixed. Therefore, you can get a good amount of time to spend with your family. In addition, RRBs also offer great job security like private sector banks.

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3.    Less expense

As you know, unlike Metro Cities, the rural towns or areas are less expensive and therefore are much cheaper to live in. This will make you spend less money and save more.

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Cons of working in RRB as an Officer or Clerk

1.    Limited scope of work

As we have discussed above, RRB Clerk has limited work. Apart from their routine work, their work mostly includes:

-Interacting with the rural populace

-Helping them open bank accounts

-Providing them with loans

-Assisting in agricultural financing

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2.    Limited growth options

The main purpose of RRBs is to help provide credit and banking facilities to the rural populace, like farmers, entrepreneurs, and rural co-operative societies. RRBs have limited options in the products and services they offer compared to commercial banks. Therefore, as the scope of work for RRB Clerks is relatively less, many clerks get experience and then give CAIIB and JAIIB Exams to join other PSUs to explore greater career options.

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3.    Boring job

Many times, an IBPS RRB Clerk gets posted in an urban or most probably a rural branch, where you may find the minimal scope of variety in the tasks. A rural bank mostly caters to the demands of a specific type of customer base. It offers facilities or schemes useful for the rural population. Hence, you may be posted in remote villages and your life may get boring. Then, you may also find it hard in getting accommodation. Promotional avenues are fewer, and the work gets monotonous, with no authority.

Conclusion

Every Bank job has its own pros and cons, its own responsibilities and powers. Your choice to choose one depends upon your interest and capability for fulfilling its duties and responsibilities, whether you are capable of performing them or not. By analyzing the above-mentioned comparisons and the pros and cons you can decide your path and choose your career.

Frequently Asked Questions (FAQs) on IBPS RRB PO/Clerk 2021

Q 1. Is the IBPS RRB exam tough?

Ans. Every year, around 1000+ vacancies are released for multiple posts under RRB (Regional Rural Banks). So, the competition is also tough. However, if a candidate has done his/her preparation well, he/she can easily crack the exam.

Q 2. Is there an Interview in the IBPS RRB exam?

Ans. The interview is conducted only for IBPS RRB Officer Scale I, II and III posts. There is no interview for the clerical cadre (RRB Clerk) or the Office Assistant post.

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