Railways or Bank Jobs: Which One Can Offer You A Better Future?

Railway or bank

Graduates in India often opt for Government jobs, simply because of the handsome salary package, perks, and job security that comes with such jobs. Railways and Bank jobs are among the most talked about career options among youngsters. Both sectors have several advantages and disadvantages. And that brings us to the question: Railway Jobs or Bank Jobs?

The answer to this question depends on your personal choice and the lifestyle you wish to live. You’ll need to consider several factors like the exams, perks, eligibility requirements, etc., before making the decision. That said, if you are also in a dilemma regarding which one is better, RRB NTPC or IBPS PO, in this guide, we’ll give you an idea of both of these job profiles so that you can make your decision quicker and wisely!

Railways VS. Bank Jobs – Detailed Comparison

Public sector banks recruit candidates through competitive exams like IBPS PO, IBPS SO, etc. Candidates who clear the banking exam get appointed as bank PO, clerk, etc., at Government jobs.

Contrarily, the nationwide recruitment process for Railway jobs is done through the RRB NTPC exam. Railways offer a range of different for Graduates, class 10 and class 12 pass-outs.

While both sectors offer respectable jobs, there are pros and cons of working in each sector. Hence, below is a detailed comparison for jobs in Railways and Banks.

Railways VS. Bank – Job Profile


The job responsibility in the Railway sector differs depending on the post. However, the job mainly involves administrative and supervision tasks such as operating signals, maintaining railway accounts, working as guards, etc. Some of the job profiles under the railway sector include:

Traffic/Accounts ServicePersonnel ServiceRailway Protection ForceClerk
Station MasterTicket CollectorTrain ClerkTrackman
Assistant Loco PilotEngine DriverRailway ConstableLower Division Clerk
Chief Publicity InspectorWagon Movement InspectorYardmasterStenographers
Junior EngineerMotormenHealth InspectorLaw Assistant
Senior Section EngineerShipping InspectorCommercial ApprenticeStore Keeper


Bank POs are responsible for various activities in the bank like providing service to customers, handling cash at the bank, communicating with customers, etc. The job profiles under the banking sector are as follows:

Probationary OfficerPOSOClerk
Officer Scale IIIIT OfficerHRMarketing Officer
Agricultural OfficerRajbhasha AdhikariLaw OfficerAssistant Manager

Railways VS. Bank – Eligibility Criteria


There are different eligibility criteria for participating in each Railway Recruitment Exam. Candidates need to check the eligibility requirements and apply for the exam only if they fulfill all the requirements.

Typically, candidates between 18 to 32 years of age can apply for Railway jobs. Further, candidates should have completed classes 10, 12, Graduations, or Engineering to be eligible for Railway jobs.


For IBPS exams, candidates should at least graduate from a recognized university with a decent score. Also, their age should be no more than 28 years.

Railways VS. Bank – Selection Process


To get a job in Railways, candidates will first have to attempt the written test followed by an aptitude test. Afterwards, they need to submit their documents for verification and then appear for physical tests. If the candidates clear each of the rounds, they will get a job at Indian Railways.


For jobs in the banking sector, candidates need to score above the cutoff marks in the Prelims and Mains exam. After clearing each exam, candidates will have to appear for a Personal Interview Round. Once the candidates get selected, they need to complete the Document Verification round.

Railways VS. Bank – Work Pressure


RRB NTPC jobs are allotted based on the merit score of a candidate. So, the tasks you need to perform varies based on your post. Candidates are also given an orientation and training before joining.

Further, the working schedule depends on your post. For example, you may get assigned a day or night shift or timing based duty as per the Railways requirements.


Bank POs must carry out General Banking, administrative, communication-related tasks or tasks assigned to them by the management. In addition, candidates are trained to look after several tasks like accounting, marketing, billing, finance, forex, general banking, etc. Bank POs are also responsible for bringing new customers.

However, the job schedule is pretty flexible as compared to Railways jobs. For example, banking staff get holidays on the 2nd and 4th Saturdays. And the rest of the days they need to go to the bank in the morning, and return home in the evening.

Railways VS. Bank – Salary


The salary offered to RRB NTPC employees is based on their posts. Normally, the salary ranges between INR 21,000 to 25,000 per month. In addition to the salary, employees receive various allowances.


The salary of Bank POs ranges between INR 34,000 to 38,000 per month. They also receive several allowances along with the salary.

Railways VS. Bank – Allowances


Indian Railway employees get the following allowances along with their salary.

  • Dearness Allowance (DA)
  • House Rent Allowance
  • Transport Allowance
  • Medical Facilities
  • Pension Scheme
  • Running Allowance


Bank POs and clerks receive the following allowances:

  • Dearness Allowance (DA)
  • House Rent Allowance
  • Transport Allowance
  • Home Travel Concession
  • Concessional Interest Rate for Housing/ Car/ Personal Loan
  • Pension Scheme

Railways VS. Bank – Pros & Cons

Railways – The Pros

  • Employees get attractive salary and allowances
  • Recession free jobs
  • No pay cuts
  • No Hire & Fire Policy
  • Employees get accommodations in railway colonies
  • Free pass to travel across India
  • Training programs available for employee’s professional growth.

Railways – The Cons

  • No fixed shifts
  • Chances of getting transferred more often
  • Promotion mostly depends on seniority

Banks – The Pros

  • Good salary packages along with allowances
  • Employees may get a chance to work in foreign countries
  • Job security
  • Definite working hours
  • Performance-based promotions

Banks – The Cons

  • Employees need to ensure accuracy in their work, no errors will be entertained at all.
  • Employees may have to achieve targets
  • The job might not be challenging all the time

Railways VS. Bank – Final Words

Hopefully, this article gave you more clarity about the tasks involved in Bank and Railway jobs. Overall, both sectors offer an excellent salary package, and the chances for growth and promotion are available in both jobs. Still, the answer to which one is better, RRB NTPC or Banking, depends on your preference.

If you want a better work-life balance, banking might be the right choice for you. Alternatively, if you want a more challenging environment, Railways is a good option!