Friends....

Sharing experience of sbi po...................

expereince as PO in sbi...
Like u all, earlier i was dying to be a Po especially Sbi po. i was exciting and eagerly waiting for the
day when i wud get sbi po id and wud see sbi.co.in before my name but when it became true
happiness was completely missing.
I belong to National Capital Region and ahmedabad circle is alloted to me.SBI Ahmedabad circle is
deficit circle as gujarat is a rich state and people here do nottake promotion and they started their
career as clerk and retired as clerk too. so this circle always need staff esp POs....And i and my
friends thought that after 3-4 yrs we wud be able to get back to our native place even i asked this
posting criteria from some sbi officers there but when i came to gujarat i found thet picture is
completely different......
Majaor problem in SBI is POSTING...
1. We wud never get posting in our native place as most of us come from major cities of India like
patna,delhi,noida,gurgaon,jaipur,kanpur,lucknow,chandigarh etc..as sbi never need staff there as
these places are always overcrowded.
2.We wud be able to submit our transfer request after 5 yrs and which will be accepted after 5 yrs as
there are 1000s of application before our application and seniority criteria is considered in posting
issues so after 10 yrs we may get posting near out native and this time may increase to 15 yrs
too...and i think 10-15 yrs is a long time.This time sbi will not consider marriage criteria of gals as
they said most of u come from major cities and all of u wanted to go there by marrying so why we
recruit u.we recruit u for this circle
3.In delhi circle,around 140 PO(General)+ 60 PO(RB) got posting and this circle is largest circle of
sbi.This include Delhi,ncr region,uttarakhand,rajasthan and 16 districts of UP and as my friends told
me that only those guys got delhi city posting who have big jack in sbi and others get rural posting.
4.Sbi gave hard postings in Ahmedabad circle and a few get cities posting like in
Ahmedabad,baroda,rajkot,surat etc and others get rural posting includiong PO (General) and
Po(rural business) and some of places belong to tribal belt where there is big problem of
infrastructure. My PO(G) frnd got posting near saurashtra and he told me that infrastructure
is so bad that there is no tea stall near the branch...
5.SBI has branches everywhere.There is a place where area belong to wildlife sanctuary and
sometimes snakes & cobras come to sbi branch and bank gave posting to 2
gals(1PO(General)+PO(RB)). My question is not that- Why gals ??
My question is that how sbi can have such audacity to open branch at such place and can expect
people to work there by putting their life on stake.
So, these are some problems of posting in sbi which discourages u sometimes.....

And during 2 yr probation we have 6-7 transfers but within our circle....
Now come second issue--Sbi has very high work pressure.I m posted in a tribal belt taluka and my branch is main
branch....and scale -4 branch...My work time here are 10:30am to 8.30pm but they expected more
.....and when asked my Branch Manager (BM) to go back to house he said- madam i m also PO and
i stayed till 11:00 pm daily so expect the same from u ....and next day come with mindset to stay
long here...
On saturday, sbi po like me have to stay till 6.00 pm as i m PO......
So the conclusion is - 6 days working for po and timings for weekdays is from 10.30am to 9-10pm
daily and on saturday till 6.00pm-7.00 pm.....and sometimes come on holidays too ......
Now come third issue--I have read in one post that in which someone said that at scale -2, ur life wud be pleasant as u wud
be manager and u will give only orders to ur staff.....and i8 have read that private an foreign banks
have targets....but in reality when u become scale-2 in sbi then targets come into picture. then u wud
have target for deposits,advances etc and u have to achieve that target as u wud be pressurized by
ur senior officers and u have to answer them which may make ur
life hell:(:(
And if u doing gud work then bank may make u bm of small branch where u have no business of
even Rs40 but bank wud give u target of Rs 5 crores and it is ur headcahe to bring business for
branch that's why PO has to work as field officers and has to roam to give loan to people as he/she
has to achieve target of giving laons but sometimes these loans become NPA which
create other problems...
Even there are some problems too.Bank give u posting at such place where u cannot keep ur family
with yourself and if u r living nearby with ur family then ur senior officer will not allow u to commute
as u have to take care of each and everything of branch including atms...and i m saying this as i
have seen it in the case of my BM.
Now come salary structure ...
i think sbi po has ctc of around 6lac on paper but salary is not so tempting ....
basic - 16900
da-49.95 but it vary with each quarter...as most of u know....
hra- 8.5% to 6.5 % according to place of posting....
ANd Rs 4425 deducted for PF and Contributory pension .....
Perks40litre p[etrol for 2 wheeler and 50 litre for 4 wheeler .... but petrol sanction depend on ur BM...like
we r outsiders means come from different state and our vehicle is at ou home but in most cases BMs
do not sanction petrol as our vehicle is far away and we can not put it with ourselves as we have
frequent transfer... our first branch is for 9 weeks but in other branches we wud stay around 2
months or less so do not prefer to keep vehicle with us...so alternative conveyance charges- Rs710

Rs350-newspaper
Rs-310-labour of maid
Rs-600- cleaning....
so these are the perks we r getting now so total in hand salary is around 24K
and lease is taking a lots of time for sanctioning .....
Now come Work profileevery transaction include money & sometime in large amount so risk come more as PO is
authorizing officer and SBI assigned SS no (Specimen signature no) to each PO and offi so if u
commit any mistake then bank will track u thru ur SS no and may file chargesheet against u even u
left bank earlier....i have been told that bank does not leave any officer ...
i have seen during annual closing i.e., in march ...some of the clerks took long holidays and then it
was the headache of BM as he/she was accountable to answer everyone....
Now u all wud be thinking that i m facing all this as i m PO(Rural business) and sbi recruited sbi po
(urban) so they will get city posting forever....but the underlying truth is that-SBI recruited PO(General) and not PO(urban) and PO(Rural business)
PO(RB) has to work in rural/semi urbna branches for 10yrs and they have to learn more than po (G)
as we have to learn about general banking nad rural business and for this we r getting extra 1 week
training in sbi institutes like in SBI rural development centre in hyderabad....and no other things have
been decided fro pO(rb) and recently MR. O.P. Bhattji has retired and new chairman Mr Pratip
Chaudhari has taken the rein of SBI in his hands... so lets see where he has taken us...
And Po(rb) has specific category so we wud be posted mostly in talukas and cities but PO(G)has no
category so they can be posted anywhere including rural areas...and there is 2ys rural assignment is
mandatory for every officer otherwise promotion will be stopped as bank has become strict in this
case....these days...
And bank is ready to give promotion but we r not ready to get it now after knowing these things abt
PO career ...and conclusion is SBi is giving a mobile life(due to large no of transfers),risky career
and less salary.....
And it is strange that sbi has make its transfer policy strict with our batch as before sbi is known for
flexible postings ....
*******************
With SBI PO job i have little hope to be posted in my native one day and my life will go on achieving
Financial inclusion in the interiors of gujarat with no family life as large no of constraints as PO has in
his/her career so my life wud be confined only for SBI but i feel my life is mine and for my dear
ones.... whenever i used to see sbi logo i always have the fell to be sbi po oneday but what type of
life it is offering to us is really not as per our expectation and that is the raeson when AGM(HR)

came to meet us in SBLC then staff restricted us asking any transfer related question as it wud
irritate him so most of us asked what is resignation policy of sbi and how much one has to server
notice period if one leave SBI..a.nd when DGM asked with 61 candidates that how many want to
spend more than 20yrs with SBI then only 10 candidates out of 61 raised hands......this is type of
frustration we all r having and Ahmedabad circle is deficit circle of sbi as gujarat is rich state and
people join banks as clerk and retired as clerkjs nad interested more in business rather than in
job....so POs who came here from other state cud not go back even after 25 yrs... but being a gal
this type of job wll make my life a hell.....and sbi is a reputed organization and being its officer bring
lots of social pressure from all corners of society so u can not leave it until u get better prospect....
Earlier i was so keen for sbi po that i left my other interview calls for PO and i left LIC AAO as i have
to take a flight for ahmedabad that night and was keen not to loose my seniority by 1 second..... and
even i did not prepare for RBI grade B as i felt that if i prepared rbi grade b now then i will not do
justification with my dream job SBI PO...but now all things have changed.... now i want to move
ahead... i want to move ahead within 1 yr at any cost...hope so NABARD wud come with vacancies
soon and one day i aspire to be RBI Grade B ......my nxt destination is NABARD or RBI ....hope so
when i got them i don't feel the way i felt with sbi po....
Now i m feeling much relieved as i was occupied with the dream of PO for the last 3c yrs but now
this phase is over...and my every step wud be away from sbi and towards RBI grade B ...and one
day i wud post my expereince as RBI Grade B...and thanks to sbi po as i have learnt a lots of things
abt RBI grade b due to frustration which has started stiring up....
MY some analysis1. SBI PO job is gud for short term career especially take 3-4 yrs exposure in commercial banking
and do mba from premier colleges and get placed in private na d foreign banks with high package...
2.SBI is big brand so more rigid regarding posting and other things but other small banks like United
bank of India and corporation bank etc are keen to give home posting first as they do not want to
loose tech savvy candidates these days...so try to refer small banks .....
Sorry for long posts and groans are welcome :):)