Introduction
The aspirants of government jobs (primarily clerk career option and po career option) in India are trying their level best to get jobs in banking sectors these days. The jobs for banking sector have seen a rising trend due to the benefits and advantages one experiences after joining the public sector bank. Some years ago, each public sector bank in India had to plan the recruitment by organizing the process of selecting the candidates by themselves. But with the changing times, the things have changed to a large extent because the IBPS nominates people to finish the entire process to fill their vacancies.
Many times the candidates are not aware of the fact that the perquisites and benefits of the IBPS clerk and SBI clerks are different. Every bank provides the benefits to their employees according to the set rules and norms.
There are approximately 20 banks which fall under the category of Institute of Personal Banking Selection. All these banks provide salaries, allowances, perquisites, and benefits to their employees according to the rules that are set by the institute.
SBI being an independent bank has its own rules and conditions on the bases of which it provides salary to the people who are employed with the bank. The IBPS Clerk vs SBI Clerk aims to provide aspirants with all the required information for opting for the Clerk Career Option.
Duties
Responsibilities and Duties of an SBI and IBPS Clerk:
A Clerk Career option is one of the most sought after careers in the banking industry in India. The duties, roles and responsibilities of clerks irrespective of SBI and IBPS clerks are primarily the same. Clerks assist the customers and regular customers with different processes in the banks. The clerks should be very confident because they have to directly interact with the customers. They should have adequate knowledge of the different policies and procedures of the banks so they are able to answer the queries of the customers. Following are the duties that are performed by the IBPS and SBI Clerks.
1. Verification of documents:
The clerks have to cross check each and every document of the customer that is required for any procedure.
2. Single window counter:
The clerks have to handle all the responsibilities at the single window counter like issuing the cheque book and the passbook, providing the account information to the customers and many more.
3. Government treasury works:
The clerk has to know every task related to the government treasury of the banks.
4. Pass Books:
The clerk has to update the pass books of the customers for them to know about their bank account balance.
5. Cash receipts:
The clerk has to issue the cash receipts at the different counters of the banks.
6. Work regarding cheques:
The clerk of the bank has to clear the cheques of the customers, transfer the cheques and issue receipts regarding the same as per the request of the customer.
7. Verify the local signatures:
The clerk has to double check the signatures especially of the customers who sign in their local language so that there is no case which leads to the customer losing his hard earned money.
Difference
Differences between IBPS Clerk and SBI Clerk:
The following table shows the major difference between the IBPS clerk and an SBI clerk.
| IBPS CLERK | SBI CLERK |
|---|---|
| The IBPS clerks should join the banks in the given time duration after which the banks would provide them training on the work they would be required to perform. | At the initial stage, the SBI clerks are assigned the position of junior. |
| After working for the probation period of 2 years they are promoted to the officer level grade. | After completing the training for six months and clearing an exam, the SBI clerks are promoted from junior level to the level of an officer. |
| After working for five years in a branch the clerk can be transferred to any other branch but in the same city. | Only after working for five years, the SBI clerk can be transferred after clearing the recruitment exam. |
| The IBPS clerk is promoted once he completes the probation period of 2 years. | For the SBI clerk, 1st promotion is done after completing 2 or 3 years. |
| The pressure of work of IBPS clerks is less as they are given work according to the time they have during the day. | The pressure of the SBI clerks is comparatively more and it is challenging because they are given a lot of work which only gets more as the time passes. |
Promotions
The following shows the ways in which an SBI clerk is promoted.
The SBI clerk can be promoted in two ways which are (i) In Cadre Promotion; and (ii) Officer Cadre Promotions
1.Promotion after three years:
After a period of three years, the SBI clerk is promoted to the designation of a Trainee Officer which is a middle management grade scale -2. This is an officer cadre promotion.
2.Promotion after six years:
After a period of six years, the SBI clerk is promoted to the designation of a Junior Management grade scale-1 officer. This is an officer cadre under fast-track promotions.
3.Promotion after ten years:
After a period of 10 years, he is promoted to the post of a senior assistant. This is an in cadre promotion type.
4.Promotion after twelve years:
After a period of 12 years, the SBI clerk is promoted to the designation of a junior management grade scale-1 officer. This is an officer cadre.
5.Promotion after twenty years:
After working for 20 years, the SBI clerk is promoted to the designation of a special assistant. This is an in cadre promotion.
6.Promotion after thirty years:
After a period of 30 years, the SBI clerk is designated to the post of a senior special assistant. This is an in cadre promotion.
When the clerks complete the probation period of two years, they can be promoted in the following of the two ways.
1. The clerk should sit for the written exam which is an interbank test. The candidate has to qualify the test on the basis of his knowledge and experience after working in the bank. If the clerk clears the test, he can be promoted to the designation of a trainee officer.
2. On the basis of JAIIB and CAIIB, qualification and graduation and the post graduation marks, the clerk can be promoted to the designation of a PO or Trainee officer.
Selection
The table below explains the selection criteria of the IBPS clerk and SBI clerk.
| Factors For Recruitments | IBPS Clerk | SBI Clerk |
|---|---|---|
| Procedure for Selection | The candidate is selected after he clears Prelims and mains exam. | The candidate is selected after he clears the prelims, mains exams, and the interview also. |
| Pattern of the Exam | The preliminary exam of both the clerk is the same. But the main exam has 4 sections of English, Gk, reasoning and Maths aptitude. The test is 160 minutes. | The preliminary exam of both the clerk is the same. But the main exam has 5 sections of English, Gk, reasoning, computer knowledge and Maths aptitude. The test is 165 minutes. |
| Cut off Marks | The percentage of the IBPS Clerk exam is lower. | The percentage of the SBI Clerk exam is comparatively higher. |
| Process of Interview | The interview is not conducted in case of IBPS Clerks. | The ultimate selection of the SBI Clerk will be based on the written test and the interview. |