Eduncle posted an Article
November 16, 2021 • 5:59 pm

IBPS Bank PO vs SSC CGL: Job, Salary & Career [Comparative Analysis]




Dear Readers !!


Today we all are witnessing the fast-growing sphere. We are surrounded by people who are working as higher professionals in various fields.


It’s obvious that what you see in your surroundings, you become habitual. You start wishing to get the same life style. In the present time, students start to see their career in a government job right after they get their graduate degree.



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In the present era, graduates in India aspire to get either an IBPS PO job or some reputed job through SSC CGL, because both of them are major contributors in generating employment nowadays. Every year more than 20 lakh candidates apply for these two exams.


But, here comes the confusion among the aspirants, what to choose as their career!! Either IBPS PO or SSC CGL? The answer depends on your self-analysis that can be done on the basis of  the concepts given below: -




Quick concepts that directly force you to decide your Career




Yes!! For sure. It is the wide known fact that if you are selecting a job profile, the first thing that you see is the Salary. Keeping the other factors aside, it is true that higher the salary, higher will be your expectations to get that job.




Job Profile:


You will definitely take interest in the job profile of the career you are going to choose. You might be curious to know what exactly you need to do if you got settled in that job and how efficiently and passionately you will do your job.






As we mentioned earlier that you are affected by dignity and status of the people around and you also wish to grab equal status. That is the reason the prominence/status of the job attracts an individual.






You will also look towards the benefits that you get while you are possessing the job. The facilities that you get as an employee at your work place will directly motivate you to choose that career.






Relocation or transfer is what a candidate expects after serving a limited period of time. Some of them need a change in their environment and other wants to settle to their hometowns. That’s why the strategy of the relocation of the job you selected plays an important role while choosing the job.




Future Growth:


It is a common behaviour that when you take the major decision of choosing a career, then you always see the future prospectus of the post or job. You get attracted to the jobs having more future expansion.




Exam Toughness:


As you all know, the way that leads to fulfilling your dream of getting a government job has to go through competitive exams. So, before choosing a job you might be interested in knowing the level of toughness and competition in the exam.


Let’s compare IBPS PO and SSC CGL on the basis of specific points discussed above:


IBPS PO: Public sectors banks in India except  SBI, recruit thousands of skilled candidates, every year through IBPS exam. It’s a Combined Written Examination for the appointment of PO.


SSC CGL: Every year the Staff Selection Commission (SSC) conducts SSC CGL exam for recruitment in various Central Government Departments like Central Secretariat Service, Excise Inspector, CAG, Statistical Investigator, AO, Central Vigilance Commission, Intelligence Bureau, CBI, Ministry of Railways/ External Affairs /Defence and a few other Ministries.



IBPS PO or SSC CGL: A Comparative Study


Concepts for comparison




Net salary of a PO is 32000-36000 Rs Other perks and benefits are also there that will vary from bank to bank

Inspectors & Assistants:

42977 – 51961 Rs.


CBI/SI/Divisional Accountant/Statistical Investigator:

40032 – 47496


Auditor/Junior Acc.

28791 – 35263


Tax Assistants:

25165 – 31045

Job Profile

Deal with customer Job with targets


Handle cash (monetary activities


Payment clearance


Solve issues of customer



Work Pressure & Working Hours


You have to work under pressure sometimes as you have to handle cash activities.


You need to go under training to understand the terms of banking and accounting.


2nd and 4th Saturdays of the month are declared holidays.

Clerical work Notes and filing work


Administration work


Filed jobs (travelling involved)


To carry out raids, inspection, surveillance etc.


Making policies


Balance sheet inspection



Work Pressure & Working Hours


Relaxed job with no extra loads and work shifts.


No extra declared holidays.


Bank PO is not seen as a symbol of status, as working as a bank employee is very common nowadays.

Posts under SSC CGL have status, power in society, as post are unique.


Dearness Allowance House Rent Allowance


Transport Allowance




Cash Medical Benefit


Group Mediclaim


Pension Scheme

Contribution Pension Scheme/New Pension Scheme Medical Aid for self (100%) and for family (75%




Home Travel Concession/ Leave Fare Concession


Concessional interest rates for Housing/Car/Personal Loans

Relocation Patterns

Transfers take place in every 4-5 years You may get posted to rural area.

Transfers take place in every 2-5 years.Less possibility is you get posted in rural area.

Future Growth

Growth is faster, as banking policies follow a steady procedure for promotion. Promotions after 2-3 years.


Scale of promotion will be:

Assistant manager –> Branch Manager –> AGM –> GM

Growth is slow, departments under SSC don’t follows a regular promotion policies. Promotions after 4-5 years.


Scale of promotion will be:

Auditor –> Senior Auditor

Assistant Enforcement Officer -> Enforcement Officer

Income Tax Officer -> Assistant Commissioner- Deputy Commissioner -> Commissioner

Exam Toughness

In IBPS PO Exam, you have to clear sectional cutoff. Level of English Comprehension and Reasoning Ability is high.


Quantitative Aptitude is based mainly on Data Interpretation (DI) questions.


GA is comparatively easy, as it depends on current affairs and banking awareness.


Preparation time: 3-4 months (can vary according to candidates)

In SSC CGL Exam, you have to clear overall cutoff. No sectional cutoff is there.English Comprehension and Reasoning Ability carry easy questions. Quantitative Aptitude includes complete mathematics of 10th standard.


GA is difficult to crack. It includes current affairs and static GK (History, Geography, Physics, Chemistry, Biology, Polity etc.)


Preparation time 5-6 months (can vary according to candidates)



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From the help of the above-mentioned points, we can draw the conclusion that both IBPS PO and SSC CGL have their own concern. Both have some positive and some negative points. So you cannot underestimate any of them.


At the end, we can conclude with the suggestion that whether IBPS PO or SSC CGL, whatever you select, will lead you to a reputed career. All you need to do is set your mind and kick-start your preparation.


Feel free to comment your views regarding the information in the comment box given below. You can also ask any query if you have, we are always here to help you!


All the very best for you Career and Exams 



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