LIC ADO vs SBI Clerk – Job, Salary, Recruitment Process, Career Comparison

LIC ADO vs SBI Clerk – Job, Salary, Career Comparison

LIC ADO vs SBI Clerk: The Indian Banking Sector and Insurance Domain have significantly grown in the last few years. The supportive government policies and financial inclusion plans are the prime reasons for the booming sectors. There is an upsurge in the market to recruit candidates for banking and insurance domains. It is an excellent opportunity for candidates wishing to make a career in these sectors. 

The State bank of India is the largest state-owned public sector bank that hires thousands of candidates for the post of SBI Clerk. Other the other hand, the Life Insurance Corporation of India is a pioneer in the Insurance domain with decades of experience in the industry. The organisation frequently hires candidates for LIC ADO profiles. Many candidates planning for the competitive exams are confused about the differences between the LIC ADO and SBI Clerk job roles. Salary structure, recruitment process, and eligibility criteria.

In this LIV ADO vs SBI Clerk job comparison article, we present a detailed analysis of job profile, responsibilities, pay scale, perks, work environment and career progression.    

This article will highlight the primary differences between pursuing a career in SBI Clerk and LIC ADO. The various comparative scale might help narrow down and decide which is best suited for a candidate – Banking or Insurance. 

LIC ADO vs SBI Clerk  – Job Profile Comparison

Let us begin our compassion by highlighting the differences between the job profiles of LIC ADO and SBI Clerk. This will help us understand the essential responsibilities and tasks associated with each job post. 

LIC ADO Job Description – Major Tasks and Duties

LIC ADO or Apprentice Development Officer is primarily associated with the supervision of the sales. The job profile of a LIC ADO is a mixed blend of marketing and tactical sales.

The LIC ADO must undergo an apprenticeship period to understand the various LIC policies and the areas where policies can be sold. The probation begins at the end of the apprenticeship period, and the officer is assigned similar responsibilities as that of an appointed ADO.

The LIC ADO performs the following tasks during and after the probation period.

  • Recruiting agents for selling LIC policies to the assigned areas.
  • Provide proper training and development to the selected agents 
  • Analyse the overall performance of each agent in terms of marketing capabilities and shortcomings and guide them to achieve more through proper training and re-skilling.
  • Motivate the team of sales executives to procure maximum sales in a defined time.
  • Achieve the Insurance targets in the designated areas through promotion and other marketing tactics.

Hence, the LIC ADO needs a blend of both intuitive and marketing skills to be good at this job.

SBI Clerk Job Description – Major Tasks and Duties

The candidates selected for the post of SBI Clerk have to undergo training to understand the banking functions and activities. The probation period of an SBI Clerk lasts for six months, and it can be extended as per the governing authorities discretion.

The central objective/ job role of an SBI Clerk is to guide and assist customers, civilians and probable clients through the various banking processes. They need to highly trained and confident to answer every query put forward. The various set of tasks assigned are as follows.

  • Verifying documents submitted by the customers for opening accounts, updation, and other banking activities.
  • Manning Single Window Counter
  • Issue Cash Receipts at Counters
  • Verification of  Vernacular Signatures
  • Attending to Government Treasury Work
  • Clearing and Transferring Cheques and Receipts as per request
  • Update Pass Books
  • Help in the sales promotion of the SBI
  • Helping customers in resolving their queries.

In addition to the duties of clerical cadre, Agriculture Assistant’s responsibilities will work on the issues related to agriculture.

Based on the job profiles, it is easier to understand that the LIC ADO is a more challenging job and requires candidates to be on their toes. They have to ensure more business and sales to the company. On the other hand, SBI Clerk is a desk job that caters to various banking functions. 

LIC ADO vs SBI Clerk- Recruitment Procedure

Both the exams are challenging and require sheer commitment and persistence from candidates to be successful. The recruitment process forms a critical part of the selection, and candidates must understand the difference to comprehend which exam will suit them.

Let us now understand the recruitment process of LIC ADO and SBI Clerk.

LIC ADO Selection Process

The selection process of LIC ADO is rigorous, and candidates have to undergo three stages to make it to the merit list. The LIC ADO is conducted in the following manner:

  • LIC ADO Prelims Exam
  • LIC ADO Mains Exam
  • LIC ADO Interview 

The LIC ADO applicants fall under the following three categories:

  • Employee Category: Full-time, salaried employees of LIC, are also eligible to apply for LIC ADO
  • Agents Category: The current LIC agents.
  • Open Market Category: All other candidates

Here we will discuss the selection process of open market category applicants. 

LIC ADO Exam Pattern for Open Market Category Applicants

Candidates applying under this category must undergo all three exam phases- prelims, mains, & interview.

LIC ADO Prelims Exam Pattern

It is an objective exam with a total of 100 questions from three sections. Check out the exam details below.

Exam Sections Number of Questions Total Marks Duration
Reasoning 35 35 20 minutes
Numerical Ability 35 35 20 minutes
English Language 30 30** 20 minutes
Total 100 70 60 minutes

Important Note: The English section is of a qualifying nature and is not included for ranking.

LIC ADO Mains Exam Pattern

It is an objective exam with a total of 150 questions from three sections. Check out the exam details below.

Sections Number of Questions Total Marks Duration
Reasoning Ability & Numerical Ability 50 50 120 minutes
General Knowledge, Current Affairs and English Language with Special Emphasis on Grammar and vocabulary 50 50
Insurance and Financial Marketing Awareness with special emphasis on knowledge of Life Insurance and Financial Sector 50 50
Total 150 150
LIC ADO Interview

The candidates clearing the LIC ADO Mains exam are invited for the interview process. A panel of Insurance experts interview candidates and rank them based on their knowledge, interpersonal skills, soft skills, and propensity towards the insurance sector. The maximum marks of the interview are 37, and a cumulative score of LIC ADO Mains and interview is used to create a merit list. 

SBI Clerk Recruitment Process

The SBI Clerk recruitment process comprises three stages that test candidates’ analytical thinking, mental aptitude, and language skills. The SBI Clerk recruitment is conducted in the following manner:

  • SBI Clerk Prelims
  • SBI Clerk Mains
  • SBI Clerk Language Test

SBI Clerk Prelims Exam Pattern

It is an objective exam with a total of 100 questions from three sections. Check out the exam details below.

Exam Sections Number of Questions Maximum Marks Duration
Reasoning Ability 35 35 20 Minutes
Numerical Ability 35 35 20 Minutes
English Language 30 30 20 Minute
Total 100 100 60 Minutes 

Candidates clearing the prelims exam are called out for the SBI Mains Exam.

SBI Clerk Mains Exam Pattern

It is an objective exam with a total of 190 questions from three sections. Check out the exam details below.

Exam Sections Number of Questions Maximum Marks Duration
Reasoning Ability & Computer Aptitude 50 60 45 Minutes
Quantitative Aptitude 50 50 45 Minutes
General English 40 40 35 Minutes
General/ Financial Awareness 50 50 35 Minutes
Total   190 200 2 Hours 40 Minutes

SBI Clerk Language Test

Candidates clearing the SBI Mains exam are eligible for the local language test. It is conducted only for candidates that have not studied local language in 10th or12th standard. 

A final merit list is prepared based on the marks obtained in the SBI Mains exam. Selected candidates are posted to different locations as per the requirements.

Now that we have covered the recruitment process of SBI Clerk and LIC ADO let us move out attention to the salary comparison of LIC ADO vs SBI Clerk.

LIC ADO vs SBI Clerk  – Pay Scale Comparison

We will compare the LIC ADO and SBI Clerk pay structure based on the pay scale, basic pay and allowances. 

LIC ADO Salary

LIC Development Officer Salary 2021
Payscale 21865-1340(2)-24545-1580(2)-27705-1610(17)-55075
Basic Pay Rs. 21,865/-

After Increment: Rs 55,075/-

  • Dearness Allowance: 40 Per Cent of the basic pay
  • House Rent Allowance: 7-9 Per Cent of the basic pay (Based on location)
  • City Compensatory Allowance: 0 – 4 Per Cent of the basic pay (Based on location)

Other benefits offered to a development officer in LIC are enumerated below.

  • Leave Travel Concession (LTC)
  • Special Allowance
  • Gratuity
  • Contributory Pension
  • Cash Medical Benefit
  • Accident Insurance
  • Loan for Personal Vehicles, etc.
  • Vehicle Advance (Two or Four Wheeler)
  • Reimbursement Towards the Cost of Brief Case or leather bag
  • Incentives

SBI Clerk Salary

SBI Clerk Salary 2021
Payscale 17900-1000/3-20900-1230/3-24590-1490/4-30550-1730/7-42600-3270/1-45930-1990/1-47920
SBI Clerk Basic Salary Rs.19900/- (Rs 17,900 + two advance increments given to graduates)


  • Salary after 1st Increment- Rs. 20900
  • Salary after 2nd Increment-Rs. 24590
  • Salary after 3rd Increment- Rs. 30550
  • Salary after 4th Increment- Rs. 42600
  • Salary after 5th increment- Rs 45930
  • Salary after 6th increment- Rs 47920
House Rent Allowance Based on the city of posting
SBI Clerk Salary in-hand The In-hand salary of the SBI Clerk ranges between Rs. 26,000 to Rs. 29,000

Other benefits offered to an SBI Clerk are enumerated below.

  • House Rent Allowance
  • Transport Allowance
  • Special Allowance
  • City Allowance
  • Medical Allowance
  • Newspaper Allowance
  • Furniture Allowance

Hence  LIC ADO will make more money than SBI Clerk when we talk solely about the basic salary.  But with timely increment, an SBI Clerk can make up to Rs. 54,000 – 55,000 per month. 

LIC ADO vs SBI Clerk – Work Environment

After reading both job descriptions, one point is quite understandable that both jobs are quite different. Now the bigger question here is – Which job offers a better work environment?

LIC ADO Work Culture

Since LIC ADO Job Profile is sales, business acquisition, and coordination with a team of LIC agents, many management and team-building skills are required. One has to perform a few administrative tasks too, but mostly they are confined to creating a sales strategy for the team.

Remember, a large portion of a LIC ADO bonus depends on sales procurement. Hence, the pressure is always on. To clarify further, The Life Insurance Corporation of India is not a government organisation, but a significant portion is owned by it. Hence, if a LIC ADO keeps on underperforming for an extended period, the employee can be terminated based on poor performance. Therefore, job security is on the lower end in the case of LIC ADO.

SBI Clerk Work Culture

The State Bank of India is India’s largest, with a humongous customer base. SBI Clerks have to juggle multiple tasks and provide satisfactory services to customers. As the tenure of an SBI Clerk increases, he/she is laden with more responsibilities and are expected to perform better. They can be assigned a specific task based on the bank’s requirements, but SBI Clerks will have to put extra effort to understand the environment and increase their productivity in the initial years. 

Overall SBI Clerk profile offers a great deal of learning and opportunities to rise high in the carrer. It is a secure job with ample benefits from a leading bank.

So, both job profiles are challenging. But in terms of job security, SBI Clerk wins. Now we move towards the most critical question – What does the job has in store in the future?

LIC ADO vs SBI Clerk – Career Prospects

Career Prospects include job promotions, benefits, the minimum time between promotions and job skills acquired. Let’s get straight to it then.

LIC ADO Career Prospects

There is a brief training period after which they are stationed and have to perform instantaneously. The career graph can go along the following lines.

  1. Apprentice Development Officer
  2. Development Officer
  3. Assistant Branch Manager (ABM)
  4. Branch Manager (BM)
  5. Senior Branch Manager (SBM)
  6. Assistant Divisional Manager (ADM)
  7. Divisional Manager
  8. Senior Divisional Manager
  9. Regional Manager

If you put in a great effort, you reach a branch manager’s level in 15 years.

SBI Clerk Career Prospects

The probation period of a bank clerk usually is six months. Clerks are offered opportunities to get promotion into Officer Cadre just after 3-4 years of job. In the State Bank of India, an SBI Clerk can be promoted to a Trainee Officer profile after 3-4 years of service.

After gaining 20-25 years of full-time work experience in the same banking organisation, a Bank Clerk can reach a Senior Management Position. But, working in the State Bank of India provides more exposure to a Bank Clerk than any other PSBs.

LIC ADO vs SBI Clerk – Final Verdict

We have compared both careers in various parameters, which are essential to both job profiles. After Calculating and Analysing all the facts and figures stated in this article, we can conclude the following:

  • Go for an SBI Clerk Career if you want job security, a desk job with innumerable learning and development opportunities.
  • Go for a LIC ADO Career if you wish to earn more than Clerical Posts, learn about marketing, and are not afraid of fieldwork.

We hope this comparison will help aspirants select the right career profile for themselves, LIC ADO vs SBI Clerk. If there are any further queries, please mention them in the comment section below.

OnlineTyari Student Community

You can put your doubts and queries in the section below. For better response, post your Queries at OnlineTyari Community.

Write your comments

This site uses Akismet to reduce spam. Learn how your comment data is processed.