SBI CBO vs SBI PO – Which is Better?

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SBI CBO vs SBI PO: State Bank of India which is the largest public sector bank in India has recently announced 1422 vacancies for the post of SBI Circle Based Officer or SBI CBO on 17th October 2022. What is SBI CBO? What is the difference between SBI CBO and SBI PO? What does SBI CBO do? These are some of the questions that the candidates who are preparing for banking and government exams might be having. Not to worry, in this blog, we will be covering all these and much more.

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.

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


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

SBI CBO Salary Structure

Candidates selected as SBI CBO will have a salary structure of Rs.36000-1490/7-46430-1740/2- 49910-1990/7-63840. It means that SBI CBO will receive a basic pay of Rs.36000 and an increment of Rs.1490 for the next 7 years. The next phase will be the basic salary of Rs.46430 and an increment of Rs.1740 for 2 years followed by basic pay of Rs.49910 and an increment of Rs.1990 for 7 years. The maximum basic pay that can be drawn by SBI CBO will be Rs.63840.

The candidates are also eligible for one increment in their basic pay for each completed year of service rendered in the officer cadre in Scheduled Commercial Bank/ Regional Rural Bank as on 01.12.2021. However, the maximum advance increment has been capped at 2 (two), irrespective of the duration of experience gained in previous employment.

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

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.

Eligibility Criteria

SBI CBO Eligibility Criteria

SBI CBO eligibility criteria is that the candidates must be a graduate from a recognised university and the upper age limit is 30 years and the lower age limit is 21 years

SBI PO Eligibility Criteria

SBI PO eligibility criteria requires the candidates to be graduate and minimum of 21 years and maximum of 30 years age.

Probation Period

Candidates selected as SBI CBO need to undergo a 6 month probation period in order to be selected full time as SBI CBO. In the case of SBI PO, the length of the probation period is 2 years in order to be selected full time for SBI.


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.

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.


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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.


What is SBI CBO Salary?

SBI CBO candidates can expect to receive a take-home salary of Rs.50000-52000.

What is the minimum work experience required for SBI CBO?

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

What is the probation period for SBI CBO?

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

What is SBI CBO Pay Scale?

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