SBI Clerk (officially Junior Associate — Customer Support & Sales) is the largest entry-level clerical recruitment in Indian public-sector banking, conducted directly by State Bank of India — not IBPS — with a separate notification, syllabus, and selection process. Over 25 lakh candidates apply each cycle for roughly 8,000-13,000 vacancies across SBI's 22,000+ branches nationwide. Day-to-day work is branch counter operations: cash receipts and payments, account opening with full KYC, passbook and FD/RD bookings, retail loan application intake and routing to the PO desk, NEFT/RTGS transaction processing, and branch end-of-day reconciliation. Entry-level gross pay under the 12th Bipartite Settlement is approximately ₹35,000-45,000/month all-in, including basic (Pay Scale ₹17,900-47,920), DA, HRA, special allowance, and washing allowance — with substantial pension (NPS), PF, and medical perks on top. Internal promotion to Probationary Officer cadre is available after clearing SBI's internal officer exam and fulfilling the JAIIB certification requirement, typically after 3-5 years of service.
SBI Clerk (officially Junior Associate — Customer Support & Sales) is the largest entry-level clerical recruitment in Indian public-sector banking, conducted directly by State Bank of India — not IBPS — with a separate notification, syllabus, and selection process. Over 25 lakh candidates apply each cycle for roughly 8,000-13,000 vacancies across SBI's 22,000+ branches nationwide. Day-to-day work is branch counter operations: cash receipts and payments, account opening with full KYC, passbook and FD/RD bookings, retail loan application intake and routing to the PO desk, NEFT/RTGS transaction processing, and branch end-of-day reconciliation. Entry-level gross pay under the 12th Bipartite Settlement is approximately ₹35,000-45,000/month all-in, including basic (Pay Scale ₹17,900-47,920), DA, HRA, special allowance, and washing allowance — with substantial pension (NPS), PF, and medical perks on top. Internal promotion to Probationary Officer cadre is available after clearing SBI's internal officer exam and fulfilling the JAIIB certification requirement, typically after 3-5 years of service.
Reach branch ahead of open — dual-control vault check with head cashier, count previous day's retained cash, verify yesterday's NEFT return file in Finacle and flag any unprocessed inward credit items to the manager
Branch opens. Activate Q-matic token dispenser, receive teller cash from head cashier with denomination-wise verification, enter opening cash balance in CBS; first customers in queue already have tokens
Peak counter hour — cash deposits from local traders, passbook updates at writers desk, Aadhaar seeding for PM-Jan Dhan accounts, PMSBY/PMJJBY cross-sell pitch on every new account opening as per GO Manager's daily target
Account opening queue — Aadhaar e-KYC (OTP method), PAN/Form 60 collection, CKYC upload, INB (Internet Banking) enrollment form handed over; ATM-FRM (ATM card issuance) triggered in CBS for eligible accounts
Post-lunch: government pensioner queue — Digital Life Certificate updates, PPF withdrawal slips, Senior Citizen FD renewals; reconcile mid-day token count against transactions processed
Tail-end rush — time-sensitive RTGS instructions before 4 PM cut-off, large cash withdrawal requires supervisor authorisation above ₹2L threshold, agitated customer arriving at 3:55 PM wanting a DD; prioritise RTGS, route DD request to tomorrow
Customer window closes. EOD cash balancing begins — denomination-wise tally of physical cash against CBS ledger; any shortage/overage must be resolved and reported to head cashier before vault seal
Generate end-of-day branch reports, process NEFT outward batch, file daily vouchers, sign off scroll register; branch manager reviews KPI dashboard for token count, PMSBY enrollments, and INB activations vs GO Manager targets
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An Indian Audit & Accounts Service (IA&AS) officer is recruited through UPSC CSE and allotted to the office of the Comptroller & Auditor General of India (CAG), the constitutional authority under Article 148 that audits all Union and state government expenditure. Officers are posted across Principal Accountants General (PAG) and Accountants General (AG) offices in every state, the AGCR (Accountant General Central Revenues) in Delhi, Ministry of Civil Aviation accounts, and CAG Headquarters on Bahadur Shah Zafar Marg. Work falls into three streams: performance audit (did a scheme achieve its stated objectives?), compliance audit (were expenditure rules followed?), and accounts preparation for state governments. IA&AS officers investigate public-procurement irregularities, defence acquisitions, infrastructure project overruns, and flagship scheme fund utilisation — findings go into Audit Reports tabled in Parliament or state legislatures and reviewed by the Public Accounts Committee (PAC). Entry is at Level 10 of the 7th Pay Commission (Probationer/Assistant Audit Officer); the apex is the CAG of India at Level 17.
An Intelligence Bureau (IB) Officer works for India's domestic intelligence agency under the Ministry of Home Affairs (MHA) — the country's oldest intelligence organisation, founded in 1887. The primary entry route is the SSC IB ACIO exam (Assistant Central Intelligence Officer Grade-II / Executive), open to graduates; a second route is ACIO-I / Sub-Inspector through SSC CGL with IB as stream preference. IB officers collect, analyse, and disseminate intelligence on threats to internal security — counter-terrorism, counter-insurgency, communal tensions, organised crime, espionage, and politically sensitive surveillance — exclusively within India's borders. Unlike RAW (external intelligence), IB has no mandate outside India. Officers work in plainclothes, operate human-intelligence (HUMINT) networks, conduct source meetings, surveil persons of interest, analyse open-source and signals intelligence, write threat assessments for MHA and the Prime Minister's Office, and brief senior IPS/IAS officers and ministers on actionable intelligence. The career is shrouded in official secrecy — officers are barred from discussing their work publicly, and the service has no official social-media presence.
An IPS (Indian Police Service) officer is a member of one of the three All India Services, selected through the UPSC Civil Services Examination (CSE) and trained at the Sardar Vallabhbhai Patel National Police Academy (SVPNPA) in Hyderabad. IPS officers run India's law-enforcement leadership cadre — beginning as Assistant Superintendent of Police (ASP) on probation, then Superintendent of Police (SP) of a district or DCP of a metropolitan zone, rising through DIG, IG, ADGP and eventually DGP of a state, with parallel central postings in IB, RAW, CBI, NIA, BSF, CRPF, ITBP, SSB, NSG, and NDRF leadership. The work covers crime investigation, law and order, riot control, VIP security, counter-terror operations, intelligence collection, naxal and insurgency operations, women and cyber crime, traffic management, and recruitment / training of state police forces. Roughly 25-30 lakh aspirants attempt UPSC CSE each year for ~150 IPS vacancies, making it the second-most-aspired All India Service after IAS. The role carries armed-uniform authority, a 30-35 year ladder protected under Article 311, lifelong security entitlements, and direct command of state and paramilitary forces — the trade-off is genuine personal risk during riots, encounters, naxal operations, and 24x7 on-call operational burden.
An RBI Grade B Officer (officially 'Manager — Grade B (DR) — General') is a direct-recruit research-and-supervision officer at the Reserve Bank of India, India's central bank, regulator of banking and a slice of the non-banking financial sector, and the monetary policy authority. Selected through the RBI Grade B examination (Phase I objective + Phase II descriptive across General Awareness, English, Economic & Social Issues, and Finance & Management + Interview), Grade B is the gateway into RBI's elite officer cadre — distinct from the lower-paid clerk and Grade A intake, and the alternative to UPSC for candidates who want a high-prestige central-government finance career without the IAS / IPS lottery. Grade B officers serve across RBI's 27 departments — Department of Economic and Policy Research (DEPR), Monetary Policy Department (MPD), Department of Banking Supervision (DBS), Department of Non-Banking Supervision (DNBS), Department of Regulation (DOR), Foreign Exchange Department (FED), Department of Currency Management (DCM), Department of Government and Bank Accounts (DGBA), Financial Markets Operations Department (FMOD), Department of Payment and Settlement Systems (DPSS), Consumer Education and Protection Department (CEPD), and the central training college and 31 regional offices — handling monetary-policy formulation, banking supervision, NBFC regulation, foreign-exchange management, currency management, payment-systems oversight (UPI, RTGS, NEFT), and consumer protection. The career arc runs Grade B → Grade C → Grade D → CGM → Principal CGM → Executive Director → Deputy Governor → Governor. Roughly 4-6 lakh aspirants attempt RBI Grade B each year for ~250-300 vacancies — competitive but materially better odds than UPSC, and with significantly higher in-service compensation thanks to the regulator-grade pay scales, allowances, and lateral private-sector exit at senior banker / fintech executive comp.
A NABARD Grade A Officer (Assistant Manager) works at the National Bank for Agriculture and Rural Development — India's apex development finance institution for agriculture, cooperative credit, and rural infrastructure. Unlike a retail bank PO, the role is almost entirely institutional and policy-facing: appraising refinance proposals from State Cooperative Banks and Regional Rural Banks, monitoring Rural Infrastructure Development Fund (RIDF) projects worth hundreds of crores, supervising microfinance institutions and PACS, structuring climate-resilient agriculture credit, and implementing national schemes like KCC, FPO financing, and WADI tribal development. Entry is via a three-phase national exam (Prelims + Mains + Interview) across more than 20 specialist discipline streams. The pay scale of ₹44,500-89,150 plus DA, HRA, and allowances translates to ₹75,000-95,000 gross monthly at entry — among the highest in any PSU at Grade A.
An Indian Postal Service (IPoS) officer is a Group A Central Service officer, recruited through the UPSC Civil Services Examination and allocated the IPoS cadre based on rank and preference. Entry is as Assistant Superintendent of Posts (ASP) or Senior Superintendent of Posts (SSP) in a postal division — managing mail operations, post offices, post bank branches, and philatelic bureaux across the Division. The career ladder runs from ASP at the divisional level through Director of Postal Services (Regional / Circle), Chief Postmaster General (CPMG) of a Postal Circle, and ultimately Member (Posts) or Secretary, Department of Posts at the Union level. IPoS officers lead a 500,000-person organisation — the world's largest postal network — operating 1.6 lakh post offices, India Post Payments Bank (IPPB) branches across tribal and rural belts, postal life insurance (PLI and RPLI), Aadhaar enrolment, Common Service Centres, and the world's highest post office (Hikkim, Himachal Pradesh at 14,567 feet). Pay scales run from Level 10 (entry ASP) to Level 17 (Secretary, DoP) under the 7th Pay Commission.