So here in this article we will discuss on points which bring out the similarity and difference between SBI PO and IBPS PO. It is important to note here that IBPS is a nodal agency for recruitment of Probationary Officer in 23 Public Sector Banks except SBI.

The probationary Officer in a Bank has to do following tasks in addition to the administrative work:

  • Provide services to customers
  • Enhance business of the bank
  • Handle cash activities at the bank
  • Clearance of Payments
  • Manage accounts of customers
  • Official communication

In addition, the career path for both IBPS PO & SBI PO is the same which is as follows:

Junior Management Grade – Scale I: Officer i.e. PO

Middle Management Grade – Scale II: Manager

Middle Management Grade – Scale III: Senior Manager

Senior Management Grade – Scale IV: Chief Manager

Senior Management Grade Scale V: Assistant General Manager

Top Management Grade Scale VI: Deputy General Manager

Top Management Grade Scale VII: General Manager

Executive Director (ED)

Chairman and Managing Director (CMD)

However the main difference lies in the Salary and Exam Pattern of IBPS PO and SBI PO. Let’s discuss them one by one.


In most of the public sector banks, Salary of PO is more or less the same. The latest revision of Bank PO’s salary as per 10th Bipartite settlement, took place on Nov 2012; however the final agreement was signed in May 2015. According to which the revised salary of Bank PO will come into effect from 1st January 2016.

The revised basic pay of PO thus becomes –

23700 – (980 x 7) – 30560 – (1145 x 2) – 32850 – (1310 x 7) – 42020

Here Rs. 23700 is the revised basic pay of Bank PO as applicable on 1st January 2016. Thus the new entrant in a Bank as PO is liable to get Rs. 23,700 as basic pay.

Rs. 980 is the annual increment that a Bank PO will get and it will be applicable for a period of 7 years.

Note: Probationary Officers in SBI are paid 4 extra Increments at the time of joining.

Besides the basic pay, a PO is entitled to receive following Allowances:

1. Dearness Allowance (DA): In Banks, DA is revised quarterly and is based on the CPI data as revealed by Government of India.

The last Revised DA for the quarter of November and December, 2015 and January, 2016 is 39.80% of the Basic Pay.

Since it depends on CPI, DA can go up with higher Inflation and vice versa.

2. Special Allowance: In the latest revision, a special allowance has been added to the salary structure of Bank PO.

And it is 7.75% of the Basic Pay.

3. House Rent Allowance: This varies according to Bank PO’s place of posting and can be 9.0% or 8.0% or 7.0% depending upon metros, big cities and other locations.

4. City Compensatory Allowance: This also depends on the place of posting and can be either 4% or 3 % or 0%.

Hence the total Salary of IBPS PO, considering the HRA into account, becomes Rs. 37,360 -38,700 per month. While for SBI PO, it around 45,000 per month (HRA depends on place of posting, so salary may vary).


The perks offered by Banks to PO vary from Bank to Bank. But SBI gives more perks than all nationalized Banks. Following are some of the perks given to PO in banks. (Both SBI & IBPS)

1. Leased Accommodation:  This facility is available to Bank PO in place of HRA. At some places, banks provide Official Bank Accommodation/Bank Quarter as leased accommodation. This amount is not available as cash component and will directly go to the house owner – you have got leased.

In SBI, Leased accommodation range from Rs 8,000/- in ‘C’ category Centres to Rs 29,500/- in Mumbai Centre.

2. Traveling Allowance: Few banks provide fixed Traveling Allowance whereas others allow reimbursement of petrol bills i.e. officer must own scooter / car at the place of posting.

3. Newspaper Reimbursement: A fixed monthly amount is paid towards the cost of one newspaper.

4. Medical Aid: A fixed annual amount is paid by most of the banks (Revised amount is Rs8000/- p.a.).

5. Benefits under New Pension Scheme.

Note: SBI Provides 100% Medical aid for self and 75% for family. And there is an Employer’s contribution towards PF.

In Conclusion, SBI PO’s are paid Rs 6000 more than other PSBs PO.

Exam Pattern

The Exam Pattern of SBI PO Exam and IBPS PO Exam vary a lot. Though the pattern has changed since the last time and a 3 Phase process is adopted by Banks, yet there exists a change in the Exam Pattern of both the Exam.

The 1st Phase of Recruitment i.e. Prelims of IBPS PO & SBI PO is the same. The difference lies in the 2nd Phase i.e. Mains. In SBI PO, Mains Exam is conducted in 2 parts which are Objective and Descriptive, while in IBPS PO, there is only Objective Test.

And in Objective Test, there are 4 sections in SBI PO namely – English Language; General Awareness, Marketing & Computer; Data Analysis & Interpretation; Reasoning, with equal weightage given to each section i.e. 50 marks.

In IBPS PO Objective Test there are 5 sections, with unequal weightage, namely – English Language (40 marks), Quantitative Aptitude (50 marks), Reasoning (50 marks), General Awareness (40 marks), and Computer (20 marks).

The descriptive test of SBI PO consists of Online Test of English Language, worth 50 marks. And the questions were asked on Essay writing (30 marks) and Letter writing (20 marks).

The phase 3 of IBPS consists of Personal Interview (100 marks), while in SBI; it is Group Discussion (20 marks) and Personal Interview (30 marks).

So, it is clear that the recruitment process of SBI PO is difficult in comparison to the IBPS PO.

Thus both Exams have their own pros and cons. If you look from salary and personal life, it is certainly SBI PO which scores more, but IBPS PO has comparatively easier recruitment process.