Which is best IPPB PO or IBPS PO, Detailed Differences

Hi Aspirants, recently IPPB(Indian Postal Payment Banks) has released the notification for IPPB PO’s most of the students got confused between IBPS PO(Institute of Banking Personnel Selection) and IPPB PO. The Postal Payment bank has released notification for the first time so most of the aspirants are thinking like is IPPB PO better or IBPS PO better. Well, aspirants in this article I will list down the major differences between IPPB and IBPS.


IPPB is an emerging organization in India. Recently it has published the notification for the recruitment of  1700+ posts to recruit 650 assistant managers for various branches which will be established in the next year that is 2017. As this is the first time IPPB has released notification for PO’s with a pay scale of nearly 65000/- per month, most of the banking aspirants got confused between this and IBPS PO.

So here in this article, i am going to give you the 6 important differences between IPPB PO and an IBPS PO. Later you can decide which one to opt for.

Related: IPPB PO Prelims Cutoff, 2017


IBPS belongs to Public Sector Unit(PSU) where as IPPB is purely belongs government. In IBPS you will be responsible for deposits in your bank in Current and Savings accounts(CASA) and also you are responsible for fixed deposits that will start from 100/-INR to 1 crore. An IBPS PO is responsible for selling third party products like mutual funds and insurance etc and the main thing is you are going to give personal loans up to huge amount. So for all these if someone is not paying loan or mutual funds you are responsible for them. You need to follow up with the borrower and get the back loan/ fund amount, so this is little stress part in IBPS.

In IPPB you are not going to give any loans or mutual funds and in case of savings and current accounts the amount will be limited to a sum of 1 Lakh only. So your life will be very happy and you don’t find much stress and pressure in IPPB when compared to IBPS PO. 


Coming to Posting, First let us discuss about IBPS posting. Unless you are a girl or if you any some influence you need to forget your social life. You are going to posted in some rural areas where you will not find good infrastructure and power some times. In most of the cases you will be posted far away from your hometown, so you need to forget about entertainment because there will be no theatres or mall’s in those remote areas.

Where as if you take IPPB posting, As IPPB is going to start their new 650 branches in the main metropolitan cities, definitely you will get posting in metropolitan cities only. You can enjoy your life here compared to IBPS where you are not going to be posted in remote areas.


This is the most important aspect about which most of the people are concerning about. Compared to IBPS PO the IPPB PO will get more salary. The entry level salary for IBPS PO is around 37000 gross in rural areas without perks and HRA. Incase of IPPB PO the basic salary is almost same that is 37000, but the interesting point here is as you are going to be posted in metropolitan cities you will get more allowances and incentives. So the overall salary of an IBPS PO is around 50000k whereas IPPB PO salary is 65000k.


In IBPS PO you need to work under your seniors who will works under their seniors. So you need to face some stress sometimes when you senior asks you to do some scrappy work. If any case if your loan becomes NPA you need to run after and follow the borrowers. 

In case of IPPB PO as there are no loans and transactions will be a limit of 1lakh rupee so the work and job stress will be less when compared to IBPS PO.


The main drawback in banks is transferred. There will be no fixed posting in both these banks. Both Postal and IBPS bank employees have to take and accept transfers. They need to pack up all the things and have to move to another location. In case of IPPB anyway the next transfer location also the metropolitan city you will feel better in IPPB.


Promotions will be same in both these banks as both are Probational Officers only. Both IPPB and IBPS promotional aspects will be same and they will promote you based on your hard and smart work. In both these banks, you can become chairman within 15 years. Anyway in IPPB promotional chance will be slightly more compared to IBPS because this is the first time IPPB is launching banks and people will be less in initial stages and with some expanding operations.

Final Verdict

In my point of view as both these exams have same syllabus and same pattern I would prefer IPPB because,

  • It is purely government
  • The salary is more
  • Stress will be less
  • Posting will be in metropolitan cities

RelatedHow to Prepare for SSC CGL Tier 2 | English | Smart Strategy

Thanks aspirants for spending time here. Please comment down in the below comment section which bank you think is best.


  1. Is there any Cast reservation effect in promoting in both banks????what is different cast personal growth?????

    • There is no preference of caste reservation for promotions in both the banks.. Promotions will be based on your excellence and hard work. B/w Thanks for commenting..


  3. Yes absolutely correct… I agree with your points.. Ippb is purely governmental bank… but the recruitment process will be little bit slow I guess..

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