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.

Basis of Difference	RRB PO or IBPS RRB Scale 1 Officer	IBPS RRB Clerk or Office Assistant
Job Role	Given below are the functions that you will have to perform by after being selected as an officer:   -Management of day-to-day banking operations.   -Loan disbursement & credit portfolio rating.   -Focus on the agricultural schemes and policies for the rural market.   -Often need to take care of single window operations or being a teller.   -Preparations of the audit report and NPA recovery also form a major job task.   Apart from these tasks, you will also have to take care of in-house staff and managing of the clerical staff. The running and operations of banks also rely on the Probationary Officer. Hurry up & Get Amazing RRB PO Mock Tests!	At first, as a new recruit, after being hired, you will have to undergo a training/probation period of 6 months which may extend up to 1 year. After the completion of the probation period, you, as an RRB Scale 1 officer or clerk will get promoted to the post of Assistant Manager in the Gramin Bank. There, you will have to focus on the betterment of the rural economy of our nation. Therefore, the focus here falls on agricultural and allied sectors.     You will have to fulfill tasks like: -Managing the day-to-day operations of the Bank   -Monitoring the credit portfolio Reconstructing loans and NPA recovery   -Disbursing loans   -Preparing the audit reports   -Arranging loans Melas in the region of your posting   -Preparing reports for higher authorities, etc.   Hurry Up & Get Amazing Mock Tests to beat the Upcoming RRB Clerk Exam 2021!
Salary	IBPS RRB Salary varies depending on the posts. IBPS RRB officers can expect an amount of Rs. 43,000/- to 47,000/- for the PO posts. Below are the details of the salary of the scale 1 IBPS RRB PO:   -The starting Basic pay for IBPS RRB Officer Scale 1 is 23,700/-   -The In-hand Salary at present varies from Rs.43,000 – 47,000 at 100% D.A. -After the selection for the post of Officer Scale-I, you will need to undergo training for 2 years under the probationary period. During the probationary period, you will receive a fixed amount that is usually less than the normal pay scale.   -After completion of the probationary period, you will be promoted to the Assistant Manager post.     IBPS RRB Officer Scale- I or PO Pay Scale is Rs. 23700 – 980/7 – 30560 – 1145/2 – 32850 – 1310/7 – 42021.   Given below are Annual Increments with IBPS RRB PO In-hand Salary:   -Starting Pay: Rs. 23700   -Rs. 980 for the first 7 years:   Rs. 30650   -Rs. 1145 for the next 2 years: Rs. 32850   -Rs. 1310 for the next 7 years: Rs. 42021 Hurry up & Get Amazing RRB PO Mock Tests!	IBPS Officer Assistant (Multipurpose) or Clerk salary ranges between Rs. 15,000 – 20,000/- per month. Given below is complete detail about the Period of Service with Annual Increments for IBPS Clerk Salary:                –Increments of 400 Rs. For the First 3 Years of Service (In-hand Salary-Rs. 8,400)   –Increment of 500 Rs. For the Next 3 Years of Service (In-hand Salary-Rs 9,900)   -Increment of 600 Rs. For the Next 4 Years of Service-Rs. (In-hand Salary-Rs. 12,300)   –Increment of 700 Rs. For the Next 7 Years of Service (In-hand Salary-Rs. 17,200)   -Increment of 1,300 Rs. For the Next Year (In-hand Salary-Rs. 18,500)   -Increment of 800 Rs. For the Next Year Rs. (In-hand Salary-19,300)    In addition to the annual increments, RRB Clerk also receives other allowances and perks with the salary. All this comes to Rs. 21,000/- to 23,000/- per month.     Hurry Up & Get Amazing Mock Tests to beat the Upcoming RRB Clerk Exam 2021! Hurry Up & Get Amazing Mock Tests to beat the Upcoming RRB Clerk Exam 2021!
Promotion	Career Growth: The career hierarchy of a Probationary Officer is as follows:   General Manager   To   DGM   To Assistant General Manager   To Chief Manager   To   Senior Branch Manager to Branch Manager   To   Deputy Manager   To Assistant Manager   To Officer Scale I (PO) – Entry Hurry up & Get Amazing RRB PO Mock Tests!	After joining, you as an Office Assistant will have to undergo a training/probation period of 6 months, which may extend up to 1 year.   Though an entry-level job in the banking sector, the career growth opportunities for IBPS RRB Clerks or Office Assistants are many. The IBPS RRB Clerk gets promoted in the hierarchy mentioned below:    Officer Scale I   To   Assistant Manager   To Deputy Manager   To Branch Manager   To   Chief Manager   To Assistant General Manager   To   DGM   To   General Manager Hurry Up & Get Amazing Mock Tests to beat the Upcoming RRB Clerk Exam 2021!
Selection Procedure	Preliminary- Mains- Interview Hurry up & Get Amazing RRB PO Mock Tests!	Preliminary- Mains Hurry Up & Get Amazing Mock Tests to beat the Upcoming RRB Clerk Exam 2021!

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.