SBI CBO vs SBI PO, Which is Better?

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SBI CBO vs SBI PO: State Bank of India, the largest public sector bank in India. Candidates preparing for banking and government exams might have questions about What is SBI CBO? What is the difference between SBI CBO and SBI PO? What does SBI CBO do? Not to worry, in this blog, we will be covering all these and much more.

Understanding the Difference – SBI CBO vs SBI PO

It is important for candidates to understand the fundamental distinctions between SBI CBO and SBI PO. SBI CBO selection relies on required experience in the desired field, while SBI PO recruitment is based on no prior experience. This offers a great chance for officers from different commercial and regional rural banks to join State Bank of India. Additionally, private sector employees can also benefit from this recruitment based on their knowledge and expertise.

SBI CBO VS SBI PO – Which is Better?

It depends on individual preferences and career goals. SBI CBO may be preferable for candidates with relevant experience seeking a specialized role, while SBI PO may suit those starting their banking career with broader opportunities for growth. Below, we have outlined an overview of each role for better understanding.

What is SBI CBO?

  • SBI CBO stands for Circle Based Officer, it is a post similar to the SBI PO and the grade provided to the SBI CBO is JMGS Scale-1 which is equivalent to the grade offered to the SBI PO (after the probation period).
  • The SBI CBO is open to all those candidates who have a minimum of 2 years of experience as an officer in any of the scheduled commercial banks or regional rural banks. In addition to that SBI CBO need to undergo a 6 month probation period after which they are enlisted full time in SBI as SBI CBO in JMGS-1 or Junior Management Grade Scale-1.
  • The SBI CBO is expected to manage the core branch operations of the bank as well as oversee the banking operations in a branch. The other responsibilities include approving loans, customer relationship management and policy implementation in their respective branches.

What is SBI PO? 

  • SBI PO or probationary officer is one of the most coveted jobs in the banking sector in India, and fresh graduates are selected for this position based on a competitive exam held by SBI.
  • The SBI PO requires no prior work experience as required for the SBI CBO. The candidates selected as SBI PO need to undergo a 2 year probation period after which their services are confirmed with SBI as JMGS-1.
  • The SBI PO is expected to supervise clerical activities, the opening of bank accounts, customer service and relationship management, loan processing etc.


SBI CBO vs SBI PO: This section will help candidates in knowing the complete difference between SBI CBO and SBI PO on the basis of parameters like selection process, salary, eligibility, work experience, roles and responsibilities, probation period and transfers.

SBI CBO VS SBI PO – Selection Process

The selection process of SBI CBO and SBI PO is different. In the case of SBI CBO, there are three rounds of the selection process which includes written examination, Screening test and personal interview. The SBI PO selection process on the other hand involves three stages of selection, prelims, mains, GD and interview.

Selection ProcessThree stages: Prelims, Mains, GD and InterviewThree Stages: Online Exam, Screening, and Interview

SBI CBO VS SBI PO – Salary Structure

The salary structure of both SBI CBO and SBI PO are discussed in this section.

SBI CBO Salary Structure

Candidates chosen as SBI CBO will have a salary structure ranging from Rs. 36,000 to Rs. 63,840. Initially, they will receive a basic pay of Rs. 36,000 with a yearly increment of Rs. 1,490 for the first 7 years. Subsequently, the basic salary will increase to Rs. 46,430 with an increment of Rs. 1,740 for 2 years, followed by a basic pay of Rs. 49,910 with an increment of Rs. 1,990 for the next 7 years. The maximum basic pay for an SBI CBO will be Rs. 63,840.

Pay ScaleRs.36000-1490/7-46430-1740/2- 49910-1990/7-63840
Basic PayRs. 36,000
Dearness Allowance (DA)Rs. 16,884 (46.9% of basic)
House Rent Allowance (HRA)Rs. 2520
City Compensatory Allowances (CCA)Rs. 1080
Other AllowancesRs. 2000
Gross Salary Rs. 58,484
DeductionRs. 8187.60
Net Salary Rs. 50,296.40

SBI PO Salary Structure

According to the official notification of 2021, the starting basic pay of SBI PO is Rs. 41,960/- (with 4 advance increments) on the scale of Rs. 41960-980 (7) – 48820 – 1145 (2) – 51110 – 1310 (7) – 60280 applicable to Junior Management Grade Scale-I. This revised salary and increment structure are as per the Bipartite Settlement. SBI PO Salary in terms of CTC will be ₹8.20–₹13.08 LPA depending on the place of posting and other factors.

Salary ComponentsAmount
Basic Pay41,960
DA (26%)12,701
Location Allowance 700
Learning Allowance600
Special Allowance6,881
Gross Salary65,780
Total Deductions12,960
Net Salary52,820


PF Contribution4196
Income Tax3290
Professional Tax200
Contributory Pension Fund 5,274
Total Deductions12,960

SBI CBO VS SBI PO – Work Experience

SBI CBO requires the candidates to have a minimum of 2 years of work experience as an officer in any Scheduled Commercial Bank or any Regional Rural Bank. While for SBI PO, there is no requirement of work experience, fresh graduates, as well as experienced candidates, can apply for SBI PO.

SBI CBO VS SBI PO – Eligibility Criteria

The eligibility criteria for SBI CBO requires candidates to have a graduation degree from a recognized university, with an age limit ranging from a minimum of 21 years to a maximum of 30 years. Similarly, for SBI PO, candidates must also hold a graduate degree, with the same age criteria of minimum 21 years and maximum 30 years.

Eligibility CriteriaSBI CBOSBI PO
EducationGraduate from a recognized universityGraduate
Age LimitMinimum 21 years, Maximum 30 yearsMinimum 21 years, Maximum 30 years
Other Conditions
– Aspirants who have pursued an Integrated Dual Degree (IDD) certificate must ensure about the date of passing should be as per the date bounded by the organizing authority.

-Candidates with the degree of Chartered Accountant are also eligible to apply for the SBI PO recruitment process.

– Candidates having a record of default in repayment of loans/ credit card dues and/ or against whose name adverse report of CIBIL or other external agencies are available are not eligible for SBI CBO recruitment 2024.

-Candidates against whom there are any negative reports regarding the character and antecedents and moral turpitude will not be eligible to apply.

SBI CBO VS SBI PO – Transfers

SBI CBO candidates cannot be transferred till they are promoted to SMGS-IV or 12 years of service whichever is later. While in the case of SBI PO, the employees can seek transfer within circles ( inter circle transfer) after 2-3 years of service.

SBI CBO VS SBI PO – Roles and Responsibilities

SBI CBO job roles and responsibilities are managing core branch operations, processing of loans, overseeing banking operations, customer relationship management and implementation of policies in the branch. SBI PO job roles and responsibilities are similar to SBI CBO and also includes account opening, clerical work (if business demands so), supervising clerical work.

SBI CBO VS SBI PO – Benefits

Both posts offer a range of benefits including D.A, H.R.A/Lease rental, C.C.A, Medical, and other allowances & perquisites as per the bank’s regulations.

Starting SalaryThe starting salary will be on the scale of JMGS-I (₹ 23,700-980/7-30,560-1,145/2-32,850-1,310/7-42,021), with one increment for each completed year of service in the officer cadre in the Scheduled Commercial Bank and Regional Rural Bank.₹ 41,960/- (with 4 advance increments) in a scale of ₹ 36,000-1,490/7-46,430-1,740/2-49,910-1,990/7-63,840.
BenefitsEmployees working as CBO will receive benefits such as D.A, H.R.A/ Lease rental, C.C.A, Medical, and other allowances & perquisites as per the bank’s rules.Employees will be eligible for HRA, DA, CCA, medical, travel, and other allowances as well

SBI CBO VS SBI PO – Probation Period

SBI CBOs undergo a 6-month probation period, selected based on experience, while SBI POs must complete a probation period of at least 2 years.

Probation Period6 months of probation is required as the selection is done on the basis of experience.SBI PO will have to serve a probation period of at least 2 years.
Transfer PolicyThey will not be allowed for the transfer up to their promotion to SMGS-IV or 12 years of service whichever is late.An employee can take a transfer after completing 2-3 years of service through inter-circle transfer.


SBI CBO and SBI PO both are lucrative job profiles for graduate candidates and offer a good pay package. The only catch is that SBI CBO requires candidates with a minimum of 2 years of work experience and SBI PO accepts fresh graduates. We hope that after reading this blog on “SBI CBO vs SBI PO – Which is Better?” the aspiring candidates and working professionals can make an informed decision.


Q1. What is SBI CBO Salary?

Ans. SBI CBO candidates can expect to receive a take-home salary of Rs. 50,000- 52,000.

Q2. What is the minimum work experience required for SBI CBO?

Ans. SBI CBO candidates require a minimum of 2 years of working experience as officers in any Scheduled Commercial Bank or any Regional Rural Bank.

Q3. What is the probation period for SBI CBO?

Ans. SBI CBO candidates need to undergo a 6 month probation period.

Q4. What is SBI CBO Pay Scale?

Ans. SBI CBO pay scale is Rs.36000-1490/7-46430-1740/2- 49910-1990/7-63840.


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