SBI PO Vs NICL AO: Which is a better career option?


SBI PO Vs NICL AO: Which is better?


SBI PO Vs NICL AO is a decent battle for students who wish to pursue a career in banking. SBI has been one of the biggest recruiters of all times and SBI PO exam is one of the most sought- after exams of all times. NICL has also been a major service provider in the recent times and has achieved heights of excellence. But, the question arises is which is a better career option- SBI PO or NICL AO. In this article we bring you a brief comparison between SBI PO Vs NICL AO based on major areas of Work Pressure, Working hours, Transfers, Salary, Job Profile, Perks and Benefits , Future Growth, etc.

When it comes to choosing between those two, you have to make a wise decision by giving it a thought. So, it’s SBI PO Vs NICL AO today. Let us find out who wins:

This job comparison will be based on factors like:

  1. Job profile
  2. Work pressure
  3. Working hours
  4. Salary
  5. Growth
  6. Future growth (Promotions)

SBI PO Vs NICL AO: A Comparison

# 1: Job Profile:


  1. Oversee insurance
  2. Settle insurance claims
  3. Check clauses
  4. Fill in official returns


  1. Add new business
  2. Provide service to the customers
  3. Maintenance of timely reports
  4. Handling of cash transactions

#2: Work pressure:


You can find a good work environment here as the job is a bit flexible. You would hardly find any deadly work pressure here.


The SBI PO job is a bit challenging as it is the largest network of service providers throughout the country. The rush of services along with clashes will lead to work pressure at times.

#3: Working hours:

The work hours for SBI PO is 8 hours.

The work hours for NICL AO is 8 hours.

#4: Salary:

The pay scale in case of SBI PO is Rs. 23700-980/7-30560-1145/2-32850-1310/7-42020. The additional perks would include Leased accommodation, Home Travel Concession/ Leave Fare Concession, etc.

The pay scale in case of NICL AO is Rs.32795-1610(14)-55335-1745(4)-62315. The additional perks would include Medical Benefits, Group Personal Accident Insurance, Pension under New Pension system governed by PFRDA, Gratuity, LTS, etc.

#5: Growth:

Growth in SBI PO happens in every 3- 5 years and Growth in SBI PO also happens in every 3- 5 years.

#6: Future scope (Promotions):


  • Bank PO
  • Assistant Manager
  • Branch Manager
  • AGM (Assistant General Manager)
  • GM (General Manager)


  • AO
  • ADM
  • DM
  • ZM

In case of SBI PO, you will have the chances of going abroad whereas in NICL AO you don’t have the chances of visiting abroad.

Make the best decision by going through SBI PO Vs NICL AO. All the best!



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