ESIC UDC vs SBI Clerk – Complete Comparison

The Employees State Insurance Corporation, a statutory entity under the Ministry of Labour and Employment, conducts the ESIC UDC exam, an all-India level competitive test. A recruitment drive is conducted for the post of Upper Divisional Clerk by the Employees State Insurance Corporation on a yearly basis. The organization maintains public social security and health care fund for Indian Workers and is managed as per the rules laid down by the ESI Act 1948

The SBI Clerk, also known as Junior Associate, is a position in the State Bank of India (Customer Support & Sales). Every year, lakhs of applicants apply for the SBI Clerk test, held once a year. SBI Clerk is one of the most in-demand positions among recent college graduates and even seasoned professionals looking to start a career in the banking business. Continue reading to learn about the ESIC UDC vs SBI Clerk comparison and other important details. 

ESIC UDC vs SBI Clerk Eligibility Criteria

Educational Qualification


Candidates must have a bachelor’s degree in the necessary field from a recognized university or institute and a basic understanding of computers.
A degree from a reputable university or an equivalent qualification.
Knowing how to operate a computer, especially how to use office suites and database systems.
A graduate with a three- or four-year degree in any discipline is required.
A minimum of 50% in class 10 and a bachelor’s degree from a recognized university are required.
Candidates in their last year of study are eligible to take the exam. However, they must show proof of passing the exams with at least 50% marks at the time of application and must pass it before the exam.
Candidates must also be fluent in both official and local languages.
Candidates with an integrated dual degree (IDD) must have a qualifying date on their degree before the exam.

Age Limit

The minimum and maximum ages are 18 and 27, respectively.Candidates wishing to sit for the SBI clerk exam must be at least 20 years old and not more than 28 years old, i.e., they must have been born between April 1, 2002, and April 2, 1994. (both days inclusive).

Age Relaxation


The upper age limit is relaxed for those in reserved categories such as SC/ST/OBC/PWD/Ex-Servicemen, as well as ESIC employees and government employees, as follows:

CategoryAge relaxation
SC / ST5 Years
OBC3 Years
PHUR – 10 Years
OBC -13 Years
SC / ST – 15 Years
Ex-servicemanUR – 3 Years
OBC – 6 Years
SC / ST – 8 Years
ESIC Employee / Government servantUR – 40 Years
OBC – 43 Years
SC / ST – 45 Years
Other categoriesAs per instructions given from time to time.

SBI Clerk

The age relaxations are given as follows-

CategoryAge relaxation
SC / ST5 Years
OBC3 Years
PwDGeneral- 10 YearsOBC – 13 YearsSC / ST – 15 Years
Ex-serviceman/Disabled Ex-ServicemenThe actual period of service in defence plus 3 years (8 years for Disabled Ex-Servicemen belonging to SC/ST subject to a maximum age of 50 years
Widow, Divorced women who have been separated from their husbands judicially and have not remarriedSC/ST – 12 yearsOBC- 10 yearsGeneral – 7 years

ESIC UDC vs SBI Clerk Vacancies 

ESIC UDC Vacancy Details

The details have been given state wise in the table below-

StatesNumber of Vacancies
Andhra Pradesh07
Jammu Kashmir08
Himachal Pradesh29
Madhya Pradesh44
Tamil Nadu150
Uttar Pradesh36
West Bengal & Sikkim113
Total 1735

SBI Clerk Vacancy

These have been given category wise as follows-

Category of candidatesNumber of Vacancies
General Category2109

ESIC UDC vs SBI Clerk Job Profile

Job roles and responsibilities of Upper Division Clerk (UDC) of ESI

If appointed to a branch office (Non-cashier)

  • Letter Writing
  • Keeping Track of Records
  • Reporting on a monthly, quarterly, and annual basis
  • Creating Payment Dockets for Online Transactions
  • Uploading of Various Certificates.

If appointed to a Regional office/ Headquarters/Sub-Region Office    

  • Accounts-related work
  • Maintainance of files
  • Drafting of letters
  • Online processing of data

If appointed to a Branch Office (Cashier)    

  • Work-related to bank
  • Cheque issuing
  • To maintain cashbook

Job Profile of Clerk at SBI

Clerks/junior associates must assist customers and potential customers through various banking processes. They must be self-assured and capable of handling any situation. They’re involved in:

  • Verification of documents
  •  Taking Care of a Single-Window Counter
  •  Taking care of government treasury matters
  •  Keep Pass Books up to date
  •  To issue Cash Receipts at the counter
  •  To  clear and transfer cheques and receipts on request
  • To Verify Vernacular Signatures 

ESIC UDC vs SBI Clerk Salary

ESIC UDC salary

The ESIC UDC is an upper-division clerk with grade pay of 2400. UDC and UDC cashier are the two sub-posts of the main job. A UDC’s responsibilities include employer dealing, public dealing, benefit payment, cashier ship (special allocation),  and other tasks as assigned.

The work assigned to an LDC and MTS is regulated by a UDC, which reports directly to the head clerks. According to the 7th Pay Commission, an ESIC UDC’s pay scale is Level 4 of the Pay Matrix (Civilian employees)

Basic UDC Salary Pay Band-Rs 5,200 to Rs.20,200Level 4 = Rs.25,500
Dearness Allowance ( DA )7 % OF Basic salary
House rent allowance24 % , 16 % , 8 % respectively for X , Y , Z category cities
Transport allowanceRs.3600 for X category cities and Rs.1800 for the remaining cities
Gross salaryRs.37000 for X category cities, Rs.33000 for Y category cities and Rs.31000 for Z category cities

SBI clerk salary

Basic SBI clerk SalaryRs.11765 – Rs. 31540
Dearness Allowance ( DA )Rs.5312
House rent allowance HRA @ 24 % Of basic salaryRs.800 – Rs.1176
Transport allowanceRs.425
Special allowanceRs.911.79
Gross salaryRs.20000 – Rs.25000

ESIC UDC vs SBI Clerk Selection Process

To employ suitable applicants for Upper Division Clerk, the Employees’ State Insurance Corporation (ESIC) will conduct a three-stage recruiting procedure involving Prelims, Mains, and a Skill Test. The prelims exam and skill test will be of a qualifying type, and applicants will be selected based on their performance in the ESIC UDC Phase-II (Mains) Exam. The candidate must prepare according to the test pattern and ESIC UDC Syllabus.

Recruitment bodyEmployees’ State Insurance Corporation (ESIC )
Name of the postUpper-division clerk
Exam modeOnline
Level of examNational
Marking schemePrelims-2 marks for eachMains and skill test-1 mark for each
Negative marking0.25 marks for each wrong answer
official website

Phase 1 – Prelims Exam

  • This phase is qualifying in nature, and its marks are not included in the final selection.
  • There will be 100 objective questions of 2 marks each.
  • 0.25 mark is deducted for each wrong answer
  • The total time duration of the exam is 1 hour
  • There are 4 sections in this exam-General intelligence and reasoning ( 50 marks ), General awareness ( 50 marks ), Quantitative aptitude ( 50 marks ), and English comprehension ( 50 marks ).

Phase2 – Mains exam

Marks of this exam are included in the final selection.

  • There will be 200 objective questions of 1 mark each.
  • 0.25 mark is deducted for each wrong answer
  • The total time duration of the exam is 2 hours.
  • There are 4 sections in this exam-General intelligence and reasoning ( 50 marks ), General awareness ( 50 marks ), Quantitative aptitude ( 50 marks ), and English comprehension ( 50 marks ).

Phase 3 – Computer skill test

Marks of this exam are not included in the final merit list.

  • There will be no negative marking in this exam.
  • The total time duration of the exam is 30 minutes.
  • There are 3 sections in this exam – Preparation of 02 PowerPoint slides ( 10 marks ), Typing matter on MS word with formatting ( 20 marks ), Preparation of table on MS excel with the use of formulae ( 20 marks ).

SBI Clerk selection process

The SBI Clerk exam is conducted to select candidates for the position of Junior Associates (Customer Support and Sales) in one of the State Bank of India’s many offices across the country. 

For the SBI Clerk Recruitment 2022, the State Bank of India (SBI) has established a three-stage selection process: preliminary exam, mains exam, and local language test. The selection process for each of the three steps is detailed below.

Phase 1 – Prelims exam

This phase consists of objective-type questions.

  • It is an online test.
  • The total number of marks is 100.
  • The total time duration is 1 hour.
  • There are no minimum qualifying marks for individual subjects and overall marks.
  • 0.25 mark is deducted for each wrong answer
  • There are 3 sections in this exam – English language ( 30 marks ), Numerical ability ( 35 marks ), Reasoning ( 35 marks ).
  • Time duration of each section is 20 minutes.

Phase 2 – Mains exam

  • It is an online test.
  • The total number of marks is 200.
  • The total time duration is 2 hours 40 minutes.
  • 0.25 mark is deducted for each wrong answer
  • There are 4 sections in this exam – General English (40 marks, time duration – 35 minutes ), Quantitative aptitude ( 50 marks, time duration – 45 minutes), Reasoning ability and computer aptitude ( 60 marks, duration – 45 minutes ), General / Financial awareness ( 50 marks, time duration – 35 minutes )

Phase 3 – Language test


The language test is the final level of the SBI Clerk exam, and it determines whether or not the candidates are fluent in their local language. Candidates are finally selected for the position of SBI Clerk after passing this test.

We hope the article has given you relevant information about the comparison between ESIC UDC and SBI Clerk regarding the various aspects such as eligibility criteria, vacancy, selection process, salary, and job profile.  For any queries, contact us at Oliveboard

Frequently Asked Question

What minimum qualifying marks are required to qualify for the ESIC UDC exam?

The minimum qualifying marks required to qualify for the ESIC UDC exam are – UR – 45%, OBC – 40 %, SC/ST/ESM – 35 %, and PWD – 30 %.

Is there any negative marking for ESIC UDC?

Yes, a 0.25 mark is deducted for each wrong answer.

Is there any interview round in the SBI clerk post?

No, there is no interview, and selection is purely based on marks scored in the Mains exam.

What is the medium of exam in the ESIC UDC recruitment?

The medium of the answer is bilingual, except for English papers.

Should I upload a reserved category certificate as proof while registering for the exam?

No, reserved certificates should not be uploaded while registering for exams. But it must be produced for document verification once you clear the mains.

Can I apply if I have a graduation degree from an open university?

Yes, you can apply, but it must be a university recognized by the central government.


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