SBI CBO Vs SBI PO: What is the Difference Between SBI CBO and SBI PO?

By BYJU'S Exam Prep

Updated on: September 25th, 2023

SBI CBO Vs SBI PO: Recently State Bank of India has announced vacancies for the post of circle-based officers across different regions. What is SBI CBO? Is it different from SBI PO? What is the basic difference between SBI PO and SBI CBO? What work does SBI CBO do? In this post, we will discuss all the major differences between SBI PO and SBI CBO posts.

Candidates must be acquainted with the basic difference between SBI CBO and SBI PO. SBI CBO will be selected on the basis of some required experience in the desired field whereas hiring of all PO is done on a no-experience basis. No doubt this is a great opportunity for the officers from different commercial and regional rural banks to work with the State Bank of India. Apart from the govt. officers, private employees can also take benefit from this recruitment on the basis of their knowledge and expertise.

SBI CBO VS SBI PO: Which is Better?

Comparing the roles of SBI CBO (Circle Based Officer) and SBI PO (Probationary Officer) is subjective and depends on individual preferences, career goals, and skills. Both positions have their own unique characteristics and offer different career paths within the State Bank of India (SBI). Here we have provided an overview of each role.

SBI CBO VS SBI PO Selection Procedure

The selection procedure for SBI PO and SBI Circle-based officers is different. There are three stages for the recruitment of SBI PO whereas 2 phases will be there in the SBI CBO post. Check the difference in the selection procedure of both posts.


Online Written Exam


Preliminary Exam

Mains Exam

GD and Interview

SBI CBO VS SBI PO Experience Required

Every recruitment for the post of Clerk or Probationary officer generally does not demand any experience. As these are meant for freshers or graduate jobs. But there are different criteria for SBI Circle-based officer recruitment.

  • SBI PO: No experience is required. Freshers can apply for this recruitment.
  • SBI CBO: Minimum 2 years experience as an officer in any Scheduled Commercial Bank or any Regional Rural Bank.

SBI CBO Salary VS SBI PO Salary

Salary is the first thing for which a candidate works. The more the salary is, the more candidates would be there to apply for that post. Both SBI PO and SBI CBO officers draw a handsome salary. Check complete salary details and differences in both of the post salaries.

The starting salary of selected candidates will be on the scale of JMGS-I (₹ 23700-980/7-30560-1145/2-32850- 1310/7-42021), plus one increment for each completed year of service rendered in the officer cadre in the Scheduled Commercial Bank and Regional Rural Bank. ₹ 41,960/- (with 4 advance increments) in a scale of 36000-1490/7-46430-1740/2-49910-1990/7-63840.
Employee working as CBO will also be given benefits like D.A, H.R.A/ Lease rental, C.C.A, Medical, and other allowances & perquisites as per the rules of the bank. Employees will be eligible for HRA, DA, CCA, medical, travel, and other allowance as well.

SBI CBO VS SBI PO Eligibility Criteria

There are certain eligibility conditions like age criteria, educational qualification, etc that are needed to be fulfilled before you apply for any recruitment. Both SBI PO and SBI CBO demands certain eligibility conditions and the candidate must full fill them.

Conditions SBI PO SBI CBO

21 – 30 Years

Not above 30 years of age.
Educational Qualification Candidates must be a graduate. According to the previous notification, candidates who are in their final years can also apply for this post. Must be a Graduate of any discipline from a recognized University or any equivalent qualification recognized as such by the Central Government.
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 2021.

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


Nature of job includes the type of work an officer performs during his service period. What work and responsibilities he/she will have to perform. Check detailed job responsibility and nature of work for the post of SBI PO and SBI CBO.


They will join as circle-based officers and will have to serve a probation period of 6 months.

Common tasks of a probationary officer may include – Gaining practical knowledge of various banking aspects, Customer Services (which may range from passbook printing to account opening and much more), supervision of clerical work, Loan Processing, etc.

After the probation period, SBI PO needs to undergo a screening procedure, qualifying which he/she will be confirmed as Officer Middle Management Grade Scale-II. During probation, their consistency and effectiveness with the work are observed.

The job profile of SBI PO is highly versatile and may demand the officer to engage in clerical work according to the needs.

Most of the work is similar to the post-O.

You can go through the SBI PO salary & job profile and SBI CBO salary to have a complete understanding.

SBI CBO VS SBI PO Probation Period

6 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.
They 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.

So in general, both are great opportunities for all aspiring candidates. But SBI CBO requires working experience and SBI PO is an entry-level profile. We have discussed all the details in a comparative way. You can go through them on your own once before taking the final decision.

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