SBI PO vs SBI Clerk, Difference in Salary & Difficulty Level

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

SBI PO Prelims Mock Test Preparation Resources, Get 1 Free Mock Test:

Task 1	Task 2
SBI PO Prelims 2024 Free Mock Test	Mock Test 1
Quant Topic Test	Mock Test 2
Reasoning Topic Test	Mock Test 3
English Topic Test	Mock Test 4

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