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As both NIACL AO and SBI PO are much sought-after exams, you need to know the difference before making up your mind to choose one of them as a career option. Both jobs offer a busty salary and good career growth, but choosing one of them may a difficult task unless you do a good comparison keeping in mind your own interests and talents.

Therefore, this article deals with the detailed comparisons of NIACL (New India Assurance Company Limited) AO (Administrative Officer) vs SBI (State Bank of India) PO (Probationary Officer).

Before discussing the comparison, let us compare a few important highlights of both the posts:


NIACL AO vs SBI PO-Overview

ParticularsSBI PO NIACL AO
Responsibility Public Dealing Client Interaction, Auditing and Analysing and Policy Making 
PostingUrban/Rural Urban 
Promotions Frequent After 5-8 years 
TransferFrequent After 3-5 years 
Exam Type Online: Prelims + Main Online: Prelims + Main 
Bond 3 Years  4 years Bond 

SBI PO vs NIACL AO-Exam Pattern

Given below is the comparison of the Exam pattern of both the exams:

SBI PO Exam Pattern Prelims

Serial Number Name of section Number of questions in the section Marks allotted for the section 
1. English Language 30 30 
2. Quantitative Aptitude 35 35 
3. Reasoning Ability 35 35 
Total 100 100 
SBI PO Prelims Free Mock Test-1

SBI PO Main Exam Pattern

Serial Number Name of the section Number of questions asked in the section Marks allotted to the section 
1.English language 35 40 
2. Data Analysis and Interpretation 35 60 
3. Reasoning Ability and Computer Aptitude 45 60 
4.General Awareness (special reference to banking industry) 40 40 
Total 155 200 marks 

NIACL AO Exam Pattern 2021  

Phase-1 – Prelims Exam Pattern  

Subject  Marks  Time  Medium  
English Language  30  20 Minutes  English  
Reasoning  35  20 Minutes  English & Hindi  
Quantitative Aptitude  35  20 Minutes  English & Hindi  
Total  100  60 Minutes    
SBI PO Prelims Free Mock Test-1

Phase-2 Exam Pattern – Mains  

Subject  No. of Ques.  / Max Marks  Time  Medium  Type  
Test of English Language  50  120 Mins  English  Objective  
Test of Reasoning  50  English & Hindi  Objective    
Test of General Awareness  50  English & Hindi  Objective    
Test of Quantitative Aptitude  50  English & Hindi  Objective    
Total  200         

Main Differences between SBI PO & NIACL AO

Basis of DifferenceSBI PONIACL AO
Salary StructureIn-hand salary – 42,000-44,000 (But including everything and if you crack the JIIB exam after you join as a PO, your annual package can range from 8.00 LPA – 13.00 LPABasic pay of Rs. 32,795/- on the scale of Rs. 32795-1610(14)-55335-1745(4)- 62315 and other admissible allowance as applicable. Gross emoluments will be approximately Rs. 60,000/- p.m. in Metropolitan Centers. Other benefits such as coverage under National Pension System governed by PFRDA, Gratuity, LTS, Medical Benefits, Group Personal Accident Insurance, etc., shall be as per rules. The Officers are also entitled to Company’s / leased
Educational Qualification  Graduation or any equivalent degree  Graduation or any equivalent degree  
Age limit   21 to 30 years   
Age Relaxation  SC/ST- 5 years OBC (NCL)- 3 years   
Number of Maximum attempts UR/EWS –4 OBC- 7 SC/ST – No Limit   
BondAn SBI PO has to sign a three-year bondA minimum period of four years including probation period
Career Growth-Probationary Officer (Assistant Manager, JMGS- I)
-Deputy Manager (MMGS)
-Manager (MMGS)
-Chief Manager (MMGS)
-Assistant General Manager (SMGS) -Deputy General Manager (TEGS)
-Chief General Manager (TEGS)
-General Manager (TEGS)
-Deputy Managing Director
Employees need five years of regular work to get promotions in NIACL need at least five years of work. We can assume it has more to do with seniority.   From here, employees can expect promotions at the interval of every three years. You will have a raise in your perks and basic salary as well.  The employees of NIACL can expect a wage revision as per the guidelines, in every five years.
Work CultureWork pressure is high for an SBI PO. Work pressure is comparatively less if compared with SBI PO
Transfer PolicyTransfers happen every 2 to 3 years. Can be transferred to Rural or Urban Areas   

Get an amazing SBI Mock Tests Series and Beat the upcoming SBI PO Exam with flying colours!
Transfers happens every 3 to 5 years.
SBI PO Prelims Free Mock Test-1


Ideally, neither NIACL AO nor SBI PO job can be called a better job than the other. It solely depends upon your interests and abilities to make a career choice. Hence, your judgement should be based on the parameters that explore how much and what these jobs can offer you in totality. By the above-mentioned table, you might have clearly understood the similarities and stark differences between NIACL AO and SBI PO. Now, it will help you in getting a perfect idea about which job suits your personality best. Hence, you need to gear up to prepare for either one of them or both. Both exams are worth it and impart industry experience and may as well lead you to the path of progress and satisfaction. Give as many NIACL AO and SBI PO Mock Tests as you can to get fully prepared to beat them!

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