SBI Clerk vs SBI PO Salary: The SBI Clerk and SBI PO are two popular and sought-after positions inside the State Bank of India. This means that while the posts are offered by the same organization, the jobs performed differ slightly. SBI Clerk is employed to deal with customers, accept/reject transactions, and take care of routine operations of the bank. On the other hand, the SBI PO oversees branch operations, coordinates clerks, and makes decisions. However, both roles demand effective communication skills, an understanding of finances, and satisfying customers. In this blog, we’ll compare the salaries of SBI PO and SBI Clerk, the difficulty level of the exam, and more.
SBI PO vs SBI Clerk, Difference in Salary & Other Monetary Benefits
The SBI PO role offers a higher salary, and more allowances compared to the SBI Clerk role. It also reflects the additional responsibilities and higher position within the bank. Here is a table that provides a complete comparison of the salary and monetary benefits for SBI PO and SBI Clerk posts.
Component | SBI PO (Probationary Officer) | SBI Clerk (Junior Associate) |
Basic Pay | ₹41,960 (with 4 advance increments) | ₹19,900 (with 2 advance increments) |
Pay Scale | ₹36,000-1490/7-46430-1740/2-49910-1990/7-63840 | ₹17,900-1000/3-20900-1230/3-24590-1490/4-30550-1730/7-42600-3270/1-45930-1990/1-47920 |
Dearness Allowance (DA) | ₹12,701 | ₹6,168.51 |
House Rent Allowance (HRA) | ₹2,937 | ₹2,862.83 |
City Compensatory Allowance | ₹700 | ₹850 |
Special Allowance | ₹6,881 | ₹7,083.45 |
Learning Allowance | ₹600 | ₹600 |
Gross Salary | ₹65,780 | ₹44,894.79 |
Deductions | ₹12,960 | ₹3,673 |
Net Salary | ₹52,820 | ₹41,221.79 |
Medical Benefits | 100% for self, 75% for family | 100% for self, 75% for family |
Provident Fund | Contribution to PF | Contribution to PF |
Leave Fare Concession (LFC) | Available | Available |
Loan Benefits | Concessional interest rates for housing, car, and personal loans | Concessional interest rates for housing, car, and personal loans |
Annual Package | ₹7.5 lakhs to ₹12.9 lakhs | ₹4.44 lakhs |
Other Perks | Newspaper allowance, petrol allowance, entertainment allowance, house maintenance allowance, books and magazine allowance, briefcase allowance, reimbursement of telephone bills | Petrol allowance, entertainment allowance, newspaper grant |
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SBI PO vs SBI Clerk, Difficulty Level
The SBI PO exam is considered to be tougher than the SBI Clerk exam. The syllabus of the SBBI PO exam is extensive, and the additional stages add to a higher difficulty level. The SBI Clerk exam, on the other hand, is relatively easier. Both exams require thorough preparation and practice. Below, we’ve compared the difficulty level of both exams based on the latest exam pattern, syllabus, difficult questions/sections, etc:
Criteria | SBI PO (Probationary Officer) | SBI Clerk (Junior Associate) |
Exam Pattern | Prelims: 3 sections (English Language, Quantitative Aptitude, Reasoning Ability) Mains: 4 sections (Reasoning & Computer Aptitude, Data Analysis & Interpretation, General/Economy/Banking Awareness, English Language) Descriptive Test: Letter Writing & Essay | Prelims: 3 sections (English Language, Numerical Ability, Reasoning Ability) Mains: 4 sections (General/Financial Awareness, General English, Quantitative Aptitude, Reasoning Ability & Computer Aptitude) |
Number of Questions | Prelims: 100 questions Mains: 155 questions (objective) + 2 questions (descriptive) | Prelims: 100 questions Mains: 190 questions |
Total Marks | Prelims: 100 marks Mains: 200 marks (objective) + 50 marks (descriptive) | Prelims: 100 marks Mains: 200 marks |
Duration | Prelims: 1 hour Mains: 3 hours (objective) + 30 minutes (descriptive) | Prelims: 1 hour Mains: 2 hours 40 minutes |
Negative Marking | 0.25 marks for each wrong answer | 0.25 marks for each wrong answer |
Syllabus | Prelims: Reasoning Ability, Quantitative Aptitude, English Language Mains: Reasoning & Computer Aptitude, Data Analysis & Interpretation, General/Economy/Banking Awareness, English Language | Prelims: Reasoning Ability, Numerical Ability, English Language Mains: General/Financial Awareness, General English, Quantitative Aptitude, Reasoning Ability & Computer Aptitude |
Difficulty Level | High: Requires in-depth knowledge and strong problem-solving skills | Moderate: Requires good understanding and practice, but less complex than SBI PO |
Difficult Sections | Prelims: Quantitative Aptitude, Reasoning Ability Mains: Data Analysis & Interpretation, Reasoning & Computer Aptitude | Prelims: Numerical Ability, Reasoning Ability Mains: Quantitative Aptitude, Reasoning Ability & Computer Aptitude |
Preparation Time | Longer: Due to the extensive syllabus and higher difficulty level | Shorter: Comparatively less time required due to moderate difficulty level |
Selection Process | Three Stages: Prelims, Mains, Interview/Group Discussion | Two Stages: Prelims, Mains |
Job Role | Managerial: Involves decision-making and supervisory roles | Clerical: Involves customer service and routine clerical tasks |
Career Growth | Faster: Opportunities for promotions and higher positions | Slower: Limited to clerical cadre with fewer promotion opportunities |
Salary and Benefits | Higher: Better salary and additional perks | Moderate: Decent salary with fewer perks compared to SBI PO |
Career Stability and Financial Development
Financial growth: Over a period, after acquiring skills and experience, SBI POs get a good chance to get promoted to take up greater responsibilities and of course better remunerations.
Long-term career prospects: SBI POs, when compared to SBI Clerks, are more likely to be promoted to a higher position.
Stability: SBI POs enjoy better career growth opportunities compared to SBI Clerks. The PO’s post provides them with long-term security and better remunerations. Whereas, the SBI Clerks experience limited growth.
Perks and incentives: Besides, SBI POs might get the chance to get additional benefits like allowances, and incentives in the course of their service that would boost their financial gains in the future.
Overall career progression: Thus, the career progression of SBI POs is usually even more financially rewarding. It provides a better prospect for the ascension within the long-term as compared to SBI Clerks.
SBI PO vs SBI Clerk FAQs
SBI PO handles managerial tasks, while SBI Clerk manages customer service and routine banking operations.
SBI PO has a higher salary and additional perks compared to SBI Clerk.
The SBI PO exam is more challenging due to its extensive syllabus and additional stages.
SBI PO offers faster promotions and better long-term growth opportunities.
Yes, SBI PO provides more allowances and incentives than SBI Clerk.
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