SBI Clerk vs IBPS Clerk - Salary, Job Profile & Career

There was a time when each public sector bank in India had to take care of recruitment activities by conducting the selection process on their own. Today, things have changed drastically with the Institute of Banking Personnel Selection (IBPS) being nominated to complete the necessary procedure to fill vacancies.


At a time when the chips are down in the economy and the threat of downsizing looms in the private sector, candidates with professional qualifications are finding entry level jobs (Bank Clerk) in public sector banks attractive.


We will compare both these exams on the basis of following parameters:


SBI Clerk vs IBPS Clerk: Salary


Both SBI Clerk and IBPS Clerk will place the clerk on the following scale:

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


Apart from Basic Pay, as a clerk in PSBs you will get the following allowances:


(a) Dearness Allowance (DA): DA is revised on quarterly basis (i.e. in the months of February, May, August and November) based on the CPI as declared by Government of India. The current DA has been fixed at 39.40% of the Basic Pay). When inflation is high, DA goes up and vice versa.


(b) Special Allowance: This has been added in 10th BPS (wef 01/11/2012) for clerks it 7.75% on which DA is also payable


(c) HRA: This depends on the place of posting and it can be either 10% or 9% or 7.5% depending on the place of posting.


Thus, the initial Basic Pay off a clerk will be INR 18,100 – 19,800 including allowances.


Bank clerk salary in SBI is 2000/- extra compare to other banks. Salary of SBI Clerk is more because of extra allowances SBI offers to their employees. So this round goes to SBI Clerk.


SBI Clerk vs IBPS Clerk: Educational Qualifications


The qualification for the Assistant’s position, the lowest rung in mainline banking operations, is a degree (graduation) from a recognized university. So, it does not matter if you apply for IBPS Clerk or SBI Clerk, minimum educational qualifications are same in both.


SBI Clerk vs IBPS Clerk: Roles and Responsibilities


Generally, roles and responsibilities of clerks are same across all the banks. This is the starting point for educated youth in the banks.  Usually, newly recruited bank clerk is given training for few weeks and then they are placed either in a branch or an administrative office. At the branch, clerical staff is supposed to work as Front Office person and has direct interaction with the public. However, with most of the banks being fully computerized, the job profile will be related to working on computers and entering the day to day transactions in the system.

Due to a big network SBI clerks gets more exposure as compared to their IBPS counterparts


SBI Clerk vs IBPS Clerk: Career growth Prospects


Those who have joined as a clerk can very quickly change their track of career.


In-cadre promotion of clerks



Promotion of clerks to officer cadre


To Trainee officer

After three years of service, a clerk can become trainee officer after clearing written test and interview. Such clerks are put on probation for a period of two years. After successful completion of probation, the trainee officer based on performance will be either recruited into MMGS-II cadre or sent back to clerical cadre.


Directly to JMGS-I

After six years of service under fast track promotion channel or after twelve years of service under normal promotion channel, a clerk can become a JMGS-Scale1 officer, after clearing a written test and interview, subject to the upper age limit.


SBI Clerk vs IBPS Clerk: Final Verdict


SBI is one of the most preferred career options for candidates who are trying to get a government job. It is quite evident in the number of applicants for the post of Probationary Officers. Against 1500 vacancies for the post of Probationary Officer, SBI received approx. 17 Lac applications.


The same situation is for the recruitment of clerks. More than 30 lakh candidates appeared for the test for the clerk’s position.


“The large-scale recruitment of Gen-next employees in the officers as well as in the Assistant grade have not only brought a far-reaching attitudinal change among staff in their customer interface and services across branches, it has also become a catalyst in enhancing/ improving the productivity and efficiency of employees,” SBI said in its annual report.