Bank of India (BOI) has officially announced the Credit Officer Recruitment for the 2025–26 cycle, inviting online applications for 514 vacancies across different officer scales. This recruitment drive is aimed at strengthening the bank’s credit operations by appointing qualified and experienced professionals in MMGS-II, MMGS-III, and SMGS-IV cadres.
Candidates who meet the required educational qualifications, age criteria, and relevant banking experience can submit their applications through the official Bank of India website. The online registration window is open from 20 December 2025 to 05 January 2026. This is a valuable opportunity for aspirants seeking a stable and reputed career in the public sector banking domain.
Bank Of India Credit Officer Recruitment
- Recruiting Authority: Bank of India
- Post Name: Credit Officer (GBO Stream)
- Total Vacancies: 514
- Job Location: Across India
- Application Mode: Online
- Official Website: www.bankofindia.bank.in
Bank Of India Important Dates to Remember
- Notification Release Date: 01 November 2025
- Starting Date to Apply Online: 20 December 2025
- Last Date to Submit Application: 05 January 2026
- Last Date for Fee Payment: 05 January 2026
- Online Examination Date: To be announced later
Candidates are advised to complete the application process well before the closing date to avoid technical issues.
Bank Of India Vacancy Distribution (Scale-wise)
The 514 Credit Officer vacancies are distributed across the following scales:
- MMGS-II: 418 posts
- MMGS-III: 60 posts
- SMGS-IV: 36 posts
The number of vacancies is provisional and may be modified based on the bank’s operational requirements.
Bank Of India Educational Qualification & Experience
Applicants must possess a graduate degree from a recognized university with at least 60% aggregate marks. Candidates belonging to SC/ST/OBC/PWD categories are eligible for a relaxation of 5% marks (minimum 55%).
If the degree is awarded in CGPA or OGPA format, it must be converted into percentage as per university norms. Fractions will be ignored during calculation.
In addition to academic qualification, candidates must have relevant experience in credit operations or banking roles, as specified scale-wise in the official notification. Experience certificates will be verified during the interview stage.
Age Limit (As on 01 November 2025)
- MMGS-II: 25 to 35 years
- MMGS-III: 28 to 38 years
- SMGS-IV: 30 to 40 years
Age Relaxation:
- SC/ST: 5 years
- OBC (Non-creamy layer): 3 years
- Persons with Disabilities: 10 years
- Ex-Servicemen & specific categories: As per government rules
Salary Structure
Selected candidates will receive an attractive salary along with allowances and benefits as per Bank of India rules:
- MMGS-II: ₹64,820 – ₹93,960 per month
- MMGS-III: ₹85,920 – ₹105,280 per month
- SMGS-IV: ₹1,02,300 – ₹1,20,940 per month
Additional perks include DA, HRA, medical benefits, leave benefits, and other officer-level allowances.
Application Fee Details
- SC/ST/PWD Candidates: ₹175 (Intimation charges only)
- General/OBC/EWS Candidates: ₹850
The fee must be paid online and is non-refundable under any circumstances.
Selection Process
The selection procedure may include an online examination and/or personal interview, depending on the number of eligible applicants.
Online Test Pattern:
- English Language (Qualifying): 25 Marks
- Reasoning Ability: 25 Marks
- Quantitative Aptitude: 25 Marks
- Professional Knowledge: 75 Marks
- Total: 150 Marks (120 minutes)
Negative marking of 0.25 marks will apply for each incorrect answer.
Interview:
Shortlisted candidates will be called for a personal interview. Final selection will be based on combined performance in the online test and interview (if both are conducted).
How to Apply Online for BOI Credit Officer Recruitment 2026
- Visit the official Bank of India website
- Navigate to the Career section
- Click on the Credit Officer recruitment notification
- Register using valid email ID and mobile number
- Fill in the application form carefully
- Upload required documents, photograph, and signature
- Pay the application fee online
- Submit the form and download a copy for future reference
Only online applications will be accepted.
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