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IBPS AFO vs NABARD Grade A vs FCI AG 3, Which is Best?

IBPS AFO vs NABARD Grade A vs FCI AG 3 is given here. It details their job nature, conducting bodies, eligibility, exam patterns, and difficulty levels. NABARD Grade A is the most challenging, IBPS AFO offers a strong entry-level option, and FCI AG-III provides a secure job with good work-life balance.

authorImageAnshika Agarwal29 Jan, 2026
IBPS AFO vs NABARD Grade A vs FCI AG 3

IBPS AFO vs NABARD Grade A vs FCI AG 3: Aspiring agriculture graduates often seek rewarding careers in the public sector. A comprehensive comparison of three prominent opportunities: IBPS AFO, NABARD Grade A, and FCI AG-III is given here. Know their distinct characteristics, eligibility, exam structure, difficulty, and overall career prospects, offering clarity for informed decision-making for those aiming for these prestigious roles.

What are IBPS AFO, NABARD Grade A, and FCI AG-III?

IBPS AFO (Agriculture Field Officer) is a specialized banking role focusing on ground-level agricultural lending and direct farmer interaction.

NABARD Grade A (Assistant Manager) is a prestigious administrative position centered on macro-level policy framing, rural development planning, and bank supervision from regional or head offices. 

FCI AG-III (Assistant Grade-III), a logistical and technical role dedicated to India's food security, involving the procurement, quality testing, and distribution of food grains within the Food Corporation of India. 

Fundamental Job Characteristics of IBPS AFO, NABARD Grade A, and FCI AG-III

A direct comparison of the fundamental aspects of each role for agriculture graduates:

Fundamental Job Characteristics of IBPS AFO, NABARD Grade A, and FCI AG-III

Feature

IBPS AFO

NABARD Grade A

FCI AG-III

Position Title

Agriculture Field Officer

Assistant Manager

Assistant Grade III (Technical)

Conducting Body

IBPS

NABARD

Food Corporation of India (FCI)

Nature of the Job

A Specialist Officer role within banks, primarily responsible for processing and managing agricultural loans.

Focuses on development work and policy structuring related to agriculture and rural development.

An operations-related role involving the procurement, storage, and distribution of food grains (like wheat) from surplus to deficit areas.

Comparative Analysis: Eligibility, Exam Pattern, and Difficulty

This section details the key differences in the selection process for each examination.

1. Eligibility Criteria

  • IBPS AFO: Requires a BSc in Agriculture or degrees in allied sectors such as Dairy Technology, Fisheries, etc.

  • NABARD Grade A: Open to any graduate. A candidate with any Bachelor's degree (BSc, B.Tech, etc.) is eligible to apply.

  • FCI AG-III (Technical Post): Requires a BSc in Agriculture. (Note: General posts within FCI are open to any graduate, but the technical post is specific to agriculture graduates).

2. Exam Pattern

IBPS AFO: A three-stage process:

  1. Prelims

  2. Mains

  3. Interview
    The Mains examination is completely agriculture-oriented.

NABARD Grade A: A three-stage process:

  1. Phase I (consisting of 8 different subjects)

  2. Phase II (consisting of 3 subjects)

  3. Interview

FCI AG-III: A two-stage process:

  1. Phase I

  2. Phase II
    This is followed by Document Verification (DV).

3. Difficulty Level

IBPS AFO: Moderate.

  • The difficulty can increase if a candidate's aptitude in Quant, Reasoning, and English (Prelims subjects) is weak.

  • The Mains paper, while focused on agriculture, often features tricky, lengthy statements designed to test analytical skills.

NABARD Grade A: Toughest among the three.

  • The primary reason for its difficulty is the wide range of subjects required for Phase I (8 subjects), including topics like Decision Making.

  • The ESI (Economic and Social Issues) paper is a significant challenge for agriculture students, particularly those not well-versed in current affairs.

  • The Rural Development component also adds to the exam's overall difficulty.

FCI AG-III: Easy to Moderate.

  • While significant effort is required, the overall difficulty and competition are considered moderate.

  • The competition is high because the exam is open to graduates from any discipline, increasing the number of applicants.

Job Profile and Compensation of IBPS AFO, NABARD Grade A, and FCI AG-III

A final summary of the key perks and career prospects associated with each role.

Overall Job Profile and Compensation of IBPS AFO, NABARD Grade A, and FCI AG-III

IBPS AFO

NABARD Grade A

FCI AG-III

It is considered the best entry-level job for agriculture graduates.

It offers excellent exposure to both banking operations and agricultural fieldwork.

Starting Salary: Approximately ₹60,000 - ₹70,000 per month.

A very prestigious job with a high salary. Salary can be up to ₹1 lakh per month.

A good, secure job with an excellent work-life balance.

The salary is comparatively lower than IBPS AFO and NABARD Grade A, but the superior work-life balance is a major advantage.

Aspirants must join Physics Wallah's Join Agriculture Online Courses to boost their readiness for the Agriculture Competitive Examinations. Our courses offer daily live classes, study notes, recorded classes, test series, and more.

IBPS AFO vs NABARD Grade A vs FCI AG 3 FAQs

What is the primary role of an IBPS AFO?

An IBPS AFO (Agriculture Field Officer) serves as a Specialist Officer in banks. Their main responsibility involves processing and managing agricultural loans for farmers and rural development initiatives.

Which of the three exams is considered the toughest, and why?

NABARD Grade A is generally considered the toughest among the three. This is primarily due to its wide range of subjects in Phase I, which includes eight different topics such as Decision Making, and the challenging nature of the ESI (Economic and Social Issues) and Rural Development papers for agriculture students.

What are the basic eligibility criteria for NABARD Grade A?

Unlike the other two roles which often require an agriculture-specific degree, NABARD Grade A is open to any graduate. A candidate with any Bachelor's degree (BSc, B.Tech, BA, B.Com, etc.) is eligible to apply.

What is the approximate starting salary for an IBPS AFO?

An IBPS AFO typically earns a starting salary of approximately ₹60,000 - ₹70,000 per month. This makes it an attractive entry-level position for agriculture graduates.

What makes FCI AG-III an appealing job despite a comparatively lower salary?

FCI AG-III offers a good, secure job with an excellent work-life balance, which is a significant advantage. While its salary may be lower than IBPS AFO or NABARD Grade A, the stability and better work-life integration are key factors for many candidates.
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