SBI CBO 2025 Role Explained with Salary: If you’re aiming for a rewarding banking career with growth, stability, and excellent perks, then the SBI CBO 2025 recruitment could be your golden opportunity. The State Bank of India (SBI)—India’s largest public sector bank—has released the SBI Circle Based Officer (CBO) 2025 Notification, inviting applications for 2,964 positions across its regional circles.
This article is a comprehensive guide to help you understand what the SBI CBO job profile entails, how much you can earn, how promotions work, and what extra benefits come along with this elite post. Whether you’re a banking professional or a curious aspirant, this breakdown makes the SBI CBO 2025 opportunity simple, practical, and actionable.
SBI CBO 2025 Role Explained with Salary
| Feature | Details |
|---|---|
| Organization | State Bank of India (SBI) |
| Post Name | Circle Based Officer (CBO) |
| Vacancies | 2,964 (2,600 regular + 364 backlog) |
| Grade | Junior Management Grade Scale-I (JMGS-I) |
| Pay Scale | ₹48,480 – ₹85,920 |
| In-Hand Salary | ₹50,000–₹52,000/month approx. |
| Perks | DA, HRA, CCA, LFC, Concessional Loans, Medical Insurance |
| Experience Required | Minimum 2 years in a Scheduled Commercial or RRB bank |
| Last Date to Apply | 29 May 2025 |
| Official Notification | SBI Official Careers Page |
The SBI CBO 2025 recruitment is a solid stepping stone for banking professionals looking to scale up in their careers with India’s largest public bank. With an attractive pay structure, leadership-oriented job profile, and excellent benefits, this is your chance to secure a prestigious role that combines growth and service.
Make sure to apply before the 29 May 2025 deadline and start your preparation early to stay ahead of the competition.
What Is the SBI CBO Role?
A Circle Based Officer (CBO) is a mid-level officer appointed in a specific regional circle of SBI. This role blends the operational responsibilities of a Probationary Officer (PO) with the experience of an existing banking professional. What sets the CBO apart is their deep understanding of local banking operations, branch management, and customer engagement.
Primary Responsibilities:
- Handling daily branch operations and compliance
- Sanctioning and processing loans
- Overseeing customer service and grievance resolution
- Promoting financial products and improving customer outreach
- Supporting digital and core banking initiatives
CBOs are expected to hit the ground running, so experience in core banking functions is key.
SBI CBO Salary 2025: Structure, Allowances & In-Hand Pay
Basic Pay and Increment Structure:
The starting basic pay for a CBO in 2025 is ₹48,480, with scheduled increments:
- ₹2,000 annually for the first 7 years
- ₹2,340 for the next 2 years
- ₹2,680 annually for the subsequent 7 years
This can take your basic up to ₹85,920 over time.
In-Hand Salary:
Your monthly in-hand salary will be approximately ₹50,000 to ₹52,000, depending on location and deductions.
Allowances You Receive:
- Dearness Allowance (DA) – ~46.9% of basic pay
- House Rent Allowance (HRA) – 7% to 9% based on city type
- City Compensatory Allowance (CCA) – 3% to 4%
- Medical Insurance – 100% for employee, 75% for dependents
- Travel Allowance, Petrol Reimbursement
- Loan Benefits – Low-interest home, vehicle, and education loans
Career Progression & Promotion Structure
One of the most attractive features of a career at SBI is its transparent and performance-based promotion system. Here’s how a CBO can grow:
Promotion Hierarchy:
- Circle Based Officer (CBO) – JMGS-I
- Manager – MMGS-II
- Senior Manager – MMGS-III
- Chief Manager – SMGS-IV
- Assistant General Manager – SMGS-V
- Deputy General Manager – TEGS-VI
- General Manager – TEGS-VII
After gaining experience and clearing internal promotional exams, CBOs can reach top executive positions within SBI. Notably, inter-circle transfers are only allowed after promotion to SMGS-IV or completion of 12 years of service.
Eligibility Criteria for SBI CBO 2025
Before applying, make sure you meet the following eligibility requirements:
Education:
- A graduate degree in any discipline from a recognized university
Experience:
- Minimum 2 years’ experience as an officer in a Scheduled Commercial Bank or Regional Rural Bank (RRB) as of 30 April 2025
Age Limit:
- 21 to 30 years as of 30 April 2025
- Age relaxations apply for SC/ST/OBC/PwBD candidates as per government norms
Language Proficiency:
- Must be proficient in the local language of the applied circle (read, write, and speak fluently)
Bihar SHS CHO Recruitment 2025 – Apply Online for 4500 Post, Eligibility
ASRB NET, ARS, SMS, STO Recruitment 2025 – Apply Online for 582 Posts
Apply for SBI CBO 2025: SBI CBO 2025 Role Explained with Salary Guide
- Visit the Official Website: https://sbi.co.in/web/careers
- Navigate to ‘Current Openings’ under Careers section
- Select ‘Recruitment of Circle Based Officers (CBO)’
- Click ‘Apply Online’ and complete registration
- Fill the application form with accurate details
- Upload required documents (photo, signature, ID, certificates)
- Pay the application fee: ₹750 (Gen/OBC/EWS); No fee for SC/ST/PwBD
- Submit and download the confirmation page
Selection Process for SBI CBO 2025
The recruitment process involves three stages:
1. Online Written Test
- Objective Test: 120 marks (2 hours)
- Descriptive Test: 50 marks (30 minutes)
- Essay and Letter Writing (Banking/Finance topics)
2. Interview
- 50 marks
- Conducted for shortlisted candidates
3. Language Proficiency Test (if required)
- Especially applicable to candidates who haven’t studied the local language in school
Final merit list is prepared based on combined scores of the written test and interview.
Preparation Tips: How to Crack SBI CBO 2025
- Focus on Banking Awareness: Read RBI circulars, banking news, and current affairs
- Master Descriptive Writing: Practice essays and letters on banking topics
- Solve Mocks & Practice Papers: Use platforms like Oliveboard, Testbook, or BYJU’S Exam Prep
- Interview Readiness: Be clear on your past roles, achievements, and future goals
- Know SBI: Understand the bank’s mission, services, and performance metrics
FAQs On SBI CBO 2025 Role Explained with Salary
Q1: Can I apply for a circle outside my state?
Yes, but you must know the local language of the circle you choose.
Q2: Is there a probation period?
Yes, the CBO position comes with a 6-month probation period.
Q3: Can I get promoted to PO?
No, CBO and PO are different paths. However, CBO promotions can reach higher ranks more quickly with experience.
Q4: Will there be transfers?
No inter-circle transfers unless you’re promoted to SMGS-IV or complete 12 years in the same circle.
Q5: What documents do I need?
You’ll need:
- Degree certificate
- Proof of banking experience
- ID proof
- Caste/EWS/PwBD certificate (if applicable)
- Proof of local language proficiency
