SBI Clerk vs IBPS Clerk: What is the Difference & Which is Better?

By Amrit Gouda|Updated : August 29th, 2022

SBI Clerk vs IBPS Clerk: The Institute of Banking Personnel Selection (IBPS) is the exam conducting body that conducts separate bank exams for SBI (PO/Clerk/SO) and all the other Public Sector Banks of the country. For instance, this year's IBPS Clerk exam will be conducted for a total of 11 Public sector banks.

Students are generally confused about the profile which they should prefer, i.e, IBPS Clerk or SBI Clerk. To clear your doubts regarding this, today we have come up with a thorough comparison of the SBI Clerk and IBPS Clerk on the basis of various considerable factors.

Which is better in IBPS Clerk and SBI Clerk? Are you also finding out the answers to these questions? The banking sector conducts a lot of exams in a year to recruit proficient candidates in the same field.

The candidates must be aware of the difference between SBI Clerk and IBPS Clerk to be able to gain insights into the recruitment process and trace the path of their career. You can mark the similarities and differences in both the job profiles and frame an effective plan of action for the exam.

Table of Content

Difference Between SBI Clerk and IBPS Clerk

Now let's have a look at the detailed comparison between two of the most coveted Bank clerk jobs that are SBI Clerk and IBPS Clerk before starting preparation for 2022. The candidates must be well aware of all the particulars of the IBPSC Clerk and SBI Clerk to mark the differences in the job profiles.

1. SBI Clerk Vs IBPS Clerk- Roles and Responsibilities

The Roles and responsibilities of an SBI Clerk and an IBPS Clerk are almost similar. You can check the roles and responsibilities shared here that will provide the candidates with insights into the job profile. A Clerk is responsible for performing the following tasks in a bank -

  • The main job of a clerk is to handle all the cash deposits and withdrawals. He is responsible for all the monetary transaction activities handled whether by Cash, cheque, demand draft, or any other method. A clerk also maintains daily, monthly and weekly reports of transactions as a record in the bank.
  • He/she works as a Single Window Operator in a bank. It means he/she is responsible for the Receipt of Cheques, Drafts, Dividend Warrants, Pay Orders Bills Etc. As an SWO, he is required to perform operations like issuing E.S.I. Stamps, recounting of Currency Notes by Cash Department Staff and some other works.
  • A clerk also performs marketing operations such as marketing the schemes, loans, and other services of the Bank so as to increase the number of customers.
  • A clerk also provides assistance in any kind of need related to bank services such as change of address, change of contact details, updating the passbook, opening accounts, and various other tasks.

2. IBPS Clerk Vs SBI Clerk- Salary Structure & Perquisites

Salary is the major factor that every candidate keeps in mind while choosing the path of their career. As both IBPS and SBI are government bodies, the salary structure is somewhat identical in banks associated with IBPS & State Bank of India. Salary can be a determining factor in deciding the job, check the difference in the IBPS Clerk and SBI Clerk salary structure to be able to get complete details of the recruitment process.

But SBI offers four increments in SBI Clerk salary as compared to other Public Sector Banks which makes the salary of an SBI Clerk slightly higher than the IBPS Clerk salary. You can check the structure of the SBI Clerk and IBPS Clerk after the 11th bipartite settlement through the below table -

Salary StructureSBI Clerk Salary(INR)IBPS Clerk Salary (INR)
Basic Pay1790017,900 
Special Allowance911.79911.79
Dearness Allowances 51.2% of Basic Pay51.2% of Basic Pay
City Compensatory Allowance 00
House Rent Allowance 800-11761058 – 1176
Transport Allowance depends on the posting location425
Salary (In Hand)29000 - 33000 (On the basis of posting location)27000-31000(On the basis of posting location)

3. Comparison of SBI Clerk and IBPS Clerk- Career Growth and Promotion 

There are various differences between the SBI Clerk and the IBPS Clerk in terms of promotion and career growth. SBI Clerk has the chance to get faster promotions and more opportunities in comparison to other banks. It is considered that the promotion policy in SBI is better than any other bank and even better than RBI. 

We have listed the Career growth and Promotion procedures of both profiles in the table below -

SBI Clerk Vs IBPS Clerk

SBI Clerk

IBPS Clerk

  • The candidates for the post of Junior Associates/Clerk will have to serve a minimum probation period of 6 months.
  • On satisfactory performance in 6 months, candidates will be given the post of Junior Associate/Clerk
  • After completing 2 to 3 years in SBI, the first promotion in SBI can be made.
  • An SBI Clerk gets promoted in two ways which are  – ‘In-Cadre Promotions & Officer Cadre Promotions’.
  • In cadre, Promotion is done on the basis of years of service completion.
  • A person who has completed 10 years as SBI Clerk will be promoted to the post of senior assistant. 
  • A person who has completed 20 years as SBI Clerk will be promoted to the post of special assistant. 
  • A person who has completed 30 years as SBI Clerk will be promoted to the post of senior special assistant. 
  • Officer Cadre Promotions are done on the basis of written exams and interviews which are conducted in SBI itself.
  • A clerk can become a trainee Officer after successfully completing 3 years of service and on a qualifying written exam and Interview.
  • An SBI Clerk is eligible to become a Junior Manager Grade Scale (JMGS-I) officer, after clearing a written test & Interview when he/she completes the service period of 6 years.
  • The candidates selected as IBPS Clerk have to complete a probation period of 6 months.
  • After completing the probation period, an IBPS Clerk becomes eligible to get promotions.
  • The first way to get a promotion is to appear and qualify the written test which is conducted inter banks. For this, No JAIIB & CAIIB Diploma is applicable.
  • After qualifying this written test, a clerk can be promoted to the position of Trainee Officer in Bank.
  • The second way of getting the promotion is based on the JAIIB, CAIIB qualification, as well as Graduation/Post Graduation. On satisfying these, an IBPS Clerk can be promoted to the position of Trainee Officer/Probationary


4. Work Pressure

Although the work responsibilities of an SBI clerk and an IBPS Clerk are the same. Check the work pressure at both organizations that can be a major influencing factor in deciding the recruitment process of the candidates. The work pressure differs as follows-

IBPS Clerk Vs SBI Clerk- Work Pressure

SBI Clerk

IBPS Clerk

  • Being the largest bank in the country work pressure is more in the State Bank of India as compared to other public sector banks.
  • SBI Branch offices remain occupied almost every time so the work pressure of an SBI Clerk is very much irrespective of the posting location.
  • An SBI Clerk has to face tougher challenges as compared to an IBPS Clerk.
  • An IBPS Clerk has less work pressure as compared to an IBPS Clerk.
  • Depending on the location of the posting, the work pressure may increase but still, PSB Offers far more relaxing jobs as compared to SBI.
  • IBPS Clerk job offers comparatively fewer challenges.

5. SBI Clerk Vs IBPS Clerk- Selection Procedure

The candidates must be well aware of the selection procedure for the IBPS Clerk and SBI Clerk exam. The differences in the SBI Clerk and IBPS Clerk selection procedure will assist the candidates in opting out for the right job profile. You can examine whether you rightly fit the job profile or not.

1. First Phase - Prelims Exam

There are 3 sections in both the Prelims exams which are Quantitative Aptitude, Reasoning Ability, and English Language. The Prelims Exam will be conducted for 100 marks for a total of 100 questions and the time duration is 60 Minutes (1 hour). This year SBI and IBPS, both have introduced a sectional time limit of 20 minutes for each of the three sections.

2. Second Phase - Main Exam 

There is no difference at all in the Main Exam phase of SBI Clerk and IBPS Clerk. There are 4 sections in the Main Phase of the SBI Clerk and IBPS Clerk namely Reasoning Ability & Computer Aptitude, Quantitative Aptitude, English Language, and General Awareness. The time duration of both the exams SBI Clerk Main & IBPS Clerk Main is 2 hours 40 Minutes (160 Minutes).

The Maximum marks allotted and the total number of questions is also similar. The candidates need to attempt 190 questions for a total of 200 Marks in SBI Clerk Main as well as in IBPS Clerk Main exam. 

3. Third Phase - Language Proficiency Test

This is the last phase of IBPS Clerk and SBI Clerk Recruitment. The language proficiency test is conducted after the result of the Main exam but before joining. In this test, a candidate's ability to read, write and speak the local language is tested. A candidate must be proficient in the local language of the state for which he/she has applied.

So this is the comparative analysis between SBI Clerk and IBPS Clerk. Both profiles have their own pros and cons. It is up to the aspirant what are his/her priorities. If you have any more doubt related to this, you can share it in the comment section below.

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  • Candidates joining as SBI Clerk would be paid a better salary as compared to the IBPS Clerk post. The in-hand salary of SBI Clerk and IBPS Clerk is approximately 32000 and 30000 respectively. Also, the allowances are slightly better in SBI Clerk. The salary can be a determining factor in tracing the job profile, the IBPS Clerk salary and SBI Clerk salary can play a detrimental role in deciding career growth.

  • An SBI Clerk (Junior Associate) can be promoted three times: once after completing ten years of service, again after completing twenty years of service, and finally after completing thirty years of service. Also with dedication and skill, an SBI Clerk can reach up to General Manager or Deputy General Manager in 10-15 years.

  • The candidates must be well versed with the IBPS Clerk job profile to be able to analyze the upcoming roles and responsibilities. Following are the various job done by an IBPS Clerk:

    Managing the cash counter

    Verification of customer-supplied documents and proofs

    Taking care of various problems of the customer

    Providing up-to-date information about government programs and policies to the customers

    Providing customers with advice on a variety of banking activities

  • Yes, the selection process for SBI Clerk and IBPS Clerk are the same. The selection process consists of the Prelims exam, Mains exam, and the Language Proficiency Test. Both the Prelims as well Mains will be online. With a single preparation strategy you can target both the exams.

  • Both are almost equal in terms of salary, pay structure, job profile, career growth, promotions aspects, and all other such factors. But there is a slight difference in salary and allowance. Also, all these depends on your perspectives and expectation from the job. So it may change from person to person. You can go through all the details in this article.

PO, Clerk, SO, Insurance


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