SBI Clerk vs IBPS Clerk

Sbi Clerk vs Ibps clerk. Millions of banking aspirants apply for clerical posts in various Public sector banks with the help of IBPS  While IBPS does the recruitment for most Public Sector Banks it conducts a separate exam for SBI.


Bank Clerk is an entry level job which millions of aspirants hope to get. However, there is great confusion when it comes to choosing between IBPS Clerk and SBI Clerk. The following article attempts to clear the same with a detailed comparative analysis of the two in terms of their Job profile, responsibilities, salary, career growth, perks and work pressure.

SBI Clerk vs IBPS Clerk – Education qualification

The education qualification is broadly the same in both the cases, except in IBPS Clerk you’re required to have an additional knowledge in computers.

IBPS Clerk

Graduate in any discipline

Working knowledge or computers, certificate in computer operations and should have studied computers as one of the subjects in high school.

SBI Clerk

Graduate in any discipline or any equivalent qualification

SBI Clerk vs IBPS Clerk – Selection process

Both IBPS and SBI Clerk exams are held in two phases. Phase-I is called the Prelims and Phase-II is the main exam. However, in SBI Clerk, the exams are followed by an interview.

IBPS Clerk

1. Common Written Exam – Prelims & Mains
2. Document Verification

SBI Clerk

1. Preliminary Examination
2. Main Examination
3. Interview
4. Test of knowledge of official/local language
5. Final procedure of Selection

SBI Clerk vs IBPS Clerk –  Job profile & Responsibilities

The job profile and responsibilities of both IBPS and SBI Clerk are similar. Clerks are required to assist customers and potential customers through various banking processes. They need to be highly confident and answer every query. Following are the various tasks assigned to a Clerk:

1. Document Verification
2. Managing Single Window Counter
3. Attending to Government Treasury Work
4. Update Pass Books
5. Issue Cash Receipts at Counters
6. Clearing and Transferring Cheques and Receipts as per request
7. Verification of Vernacular Signatures


Following is the structure of the salary scale of a Bank Clerk. It is the same for IBPS and SBI:

Rs. 11765 – (655×3) – 13730 – (815×3) – 16175 – (980×4) – 20095 – (1145×7) – 28110 – (2120×1) – 30230 – (1310×1) – 31540.

The total initial pay of a bank clerk will be 18,100 to 19,800. SBI Bank Clerks get 2000 extra compared to other banks, hence the total initial pay is 20,100 to 21,800.

The increment scale is provided in the bracket.


Clerks, recruited from IBPS or SBI, have the following perks and allowances:

Dearness allowance

The DA is 39.4% of the basic pay (11,765) and is revised quarterly.

Special allowance



Depending on the posting, HRA can be 10% or 9% or 7.5%.

SBI Clerk vs IBPS Clerk – Work pressure

Compared to SBI Clerks, the work pressure is less for IBPS Clerks working in PSBs. They are assigned time oriented tasks. There might be pressure initially due to more work, but in time the employees will get used to the work schedule and feel relaxed. The working hours are fixed.

In case of SBI Clerk, you will be assigned a lot of work on a daily basis and the work intensifies with time. The work is more challenging compared to IBPS Clerks.

SBI Clerk vs IBPS Clerk – Posting

IBPS Clerk

Since most PSBs have lesser number of branches across the country compared to SBI, the chances of getting posted near your home/native place is less.

SBI Clerk

SBI has a vast outreach compared to other PSB’s, you will find an SBI at every nook and corner across the country, hence you can be posted anywhere in the country. On the flip side, chances of you getting posted increases because of number of branches.

SBI Clerk vs IBPS Clerk – Career growth

IBPS Clerk

The bank Clerks will be promoted to Officer Cadre in 3-4 years. The clerks can reach the Senior Management position after 20-25 years of working.

SBI Clerk

In case of SBI, there is a high chance of getting promoted as Trainee Officer in just 3-4 years. Trainee Officer is equivalent to Probationary Officer. Working in SBI provides more exposure compared to other PSBs.

We’d recommend IBPS Clerk for those who want a job with a decent salary, job security and limited work pressure and responsibilities and SBI Clerk for aspirants looking for a challenging job, who can cope with extra work pressure, wish to earn more and reach a high position in lesser time.

We hope the above comparison helps you understand the major differences and make the right career choice.

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All the best.

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