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Which is Better, SSC or Banking Job?

With the advent of new technologies such as Artificial Intelligence and Machine Learning, a lot of jobs that are repetitive in nature are going to be replaced by machines in a few years. In such a dynamic future, the various government jobs offered by the Public Sector Banks and recruiting agencies like the Staff Selection Commission will be the main employers that will offer a secure future for the candidates.

The recruitment in such government institutions is done by conducting competitive examinations at the national level. The candidates who opt to prepare for such exams are often confused about which would be better for them. Deciding this is very important as this inspires them to put in the hard work required to crack such exams and secure their dream jobs. In this article let us look at the various aspects of the SSC and Banking jobs. We hope these points help the candidates make an informed decision.

Which is Better, SSC or Banking Job?

This is not a question that can be answered in one word or sentence. The answer to such a complex question is dependent on many factors and can be different for each candidate. There is no hard and fast rule that a candidate has to choose either one of them. He/She can opt for one of them, both of them or even none of them depending upon their inclinations. In the table below, let us look at the top exams conducted by SSC and Banks.

SSC Exams Banking Exams
SSC CHSL RBI Assistant
SSC Stenographer IBPS RRB
SSC Selection Post NABARD Grade A
IDBI Recruitment
SIDBI Recruitment
SEBI Grade A
NIACL Recruitment

SSC Jobs

Before going through the various aspects of the different jobs offered by SSC Recruitment, let us get a sense of what is the nature of these jobs. The posts for which the Staff Selection Commission conducts recruitment drives generally belong to the Group B, C & D levels in the hierarchy of government jobs.

The candidates selected for these posts hold key positions in various ministries and departments. The table below will help the candidates get an idea about the nature of various posts under SSC Recruitment.

Exam Posts Nature of Work
SSC CGL Assistant Audit Officer, Juniors Statistical Officer, Assistant Section Officer, Inspector, Sub Inspector, Upper Division Clerk and Tax Assistant among others. Office Work, Field Work or a combination of both.
SSC CHSL Lower Division Clerk, Junior Secretariat Assistant and Data Entry Operator Office Work and Clerical Work.
SSC JE Junior Engineer in various government departments Field Work
SSC GD Constable (General Duty) in BSF, CRPF, CISF, SSB, ITBP, AR and SSF Active Duty in key armed forces of India.
SSC CPO SI in Delhi Police and CAPF Active Duty
SSC MTS Multi Tasking Staff and Havaldar (CBIC & CBN) Clerical Work and Field Work
SSC JHT Junior Hindi Translator, Junior Translation Officer, Junior Translator, Senior Translator and Senior Hindi Translator Translation Work
SSC Stenographer Stenographer Grade C & Grade D in various departments Typing and Transcribing Work
SSC Selection Post Various Posts depending on the availability of vacancies Multiple Job Profiles

Banking Jobs

The Banking Sector offers a large variety of posts to the candidates. In discussing the nature of these jobs, we should understand the unlike the SSC which offers different posts in various departments, the banking sector provides similar posts in different institutions.

For example, the entry-level posts across most banks are that of the Clerk, Probationary Officer and Specialist Officer exam recruited through exams conducted by IBPS and SBI. Some banks such as the RBI, NABARD, SEBI, IDBI etc. carry out their own recruitment for various positions. In the table below, let us look at the nature of work in these posts.

Post Nature of Work
Probationary Officer Handling Customer Transactions and Issues
Clerk Accepting deposits, facilitating withdrawals, verifying cheques, issuing demand drafts etc.
Agriculture Officer Promoting Loans and Deposit in Rural Areas
IT Officer Maintenance and updation of the Hardware and Software needs of the office.
Law Officer Managing and representing the bank in all legal matters.
Rajbhasha Adhikari Translation of important official documents in local languages.

Difference Between SSC and Bank Job

The points discussed above should give the candidates a pretty good idea regarding the nature of work in the various posts offered by the SSC and Bank Recruitments. In this section let us look at some of the key differences that the candidates will experience after joining the posts offered in these jobs.


Parameters SSC Job Bank Job
Work Type The SSC jobs involve fieldwork as well as desk work. The Bank jobs mostly involve public engagement and clerical work depending on the post.
Selection Process Tier 1, Tier 2 and DV or Tier 1 and DV or Tier 1, Physical Efficiency Test and DV (depending on the post) Prelims, Mains and Interview or Written Exam and Interview.
The salary in SSC jobs gets revised every 10 years under pay commission. Bank Employees’ salary gets revised every five years with many allowances and perks
Transfers Candidates get transferred after completing a fixed period of time at a place with high chances of home state postings In banks, the candidates get transferred frequently.
In SSC the promotion rate is slower apart from a few posts The chances of getting a promotion are higher in Bank Jobs.

SSC and Banking Exams: Eligibility Criteria

As mentioned above there are a number of recruitment exams conducted by the Staff Selection Commission and the eligibility criteria for each exam is different from the others. Similarly, the recruitments done by various banks for multiple posts require the candidates to fulfill the eligibility criteria specific to those posts. In the table below we have provided the age limit and educational qualification needed to be eligible for the most popular exams conducted by the SSC and various public sector banks.

Category Age Limit Educational Qualifications
  • SSC CHSL: 18-27 years
  • SSC CGL: Up to 32 years depending on the post
  • SSC CHSL: 12th pass
  • SSC CGL: Bachelor’s Degree in any subject
  • Clerk: 20 to 28 Years
  • PO: 20 to 30 years
Clerk & PO: Degree (Graduation) in any discipline

The decision regarding which is better: bank or SSC totally depends on the interest and aptitude of the candidate. As this is the digital age, all the information required to make a smart decision is available for the reference of the candidates. They should analyze all the options available to them and ask themselves if they want to work under which job profile and which scenarios.

Candidates should keep in mind that the points discussed above are an attempt to present various facts in order to help the candidates make an informed decision as this decision may help them craft a bright future for themselves and their families.

Also, Check

SSC Vs Bank Vs RRB NTPC Exams, Check Detailed Comparison


What educatioal qualifications are required for SSC CGL?

Bachelor’s Degree in any subject is required to be eligible for the SSC CGL Exam.

What educatioal qualifications are required for Clerk & PO Exam?

Degree (Graduation) in any discipline as required by the post are necessary to apply fo the Bank Clerk and PO exams.

About the Author

Aishwarya Bhandarkar is a content writer having experience of 3.5+ years in blogging of creating content for competitive entrance and government exams. She believes in delivering simplifying complex concepts into understandable and user-friendly content on time to the readers and helping aspirants for various exams..