The Bank of India (BOI) has released the official notification for Credit Officer recruitment 2025-26. This recruitment drive invites applications for 514 Credit Officer positions across India in the General Banking Officer (GBO) stream, under three different management grades. The online application window opened on 20 December 2025 and will close on 05 January 2026.
This is an excellent opportunity for experienced banking and finance professionals or graduates with the required experience who want to build a rewarding career in a public sector bank with attractive salary and career growth.
What is Bank of India Credit Officer Recruitment?
Bank of India, one of the oldest and reputable public sector banks in India, conducts recruitment drives to fill Credit Officer posts in its branches across the country. Credit Officers play a key role in credit appraisal, loan sanctioning, risk assessment, monitoring credit portfolios and business development.
This recruitment specifically covers positions in the General Banking Officer (GBO) Stream at three levels:
- MMGS-II (Middle Management Grade Scale-II)
- MMGS-III (Middle Management Grade Scale-III)
- SMGS-IV (Senior Management Grade Scale-IV)
Recruitment Summary
| Detail | Information |
|---|---|
| Organisation | Bank of India (BOI) |
| Post | Credit Officer |
| Total Vacancies | 514 |
| Application Mode | Online |
| Notification Release Date | 17 December 2025 |
| Start of Online Application | 20 December 2025 |
| Last Date to Apply Online | 05 January 2026 |
| Official Website | https://bankofindia.bank.in/ |
| Selection Process | Online Examination and/or Interview |
| Job Location | Anywhere in India |
| Pay Scale | Up to ₹1,20,940 per month (varies by grade) |
Vacancy Details (Post-wise)
The total 514 vacancies are distributed across three grades:
| Post Grade | Vacancies |
|---|---|
| SMGS-IV (Senior Management) | 36 |
| MMGS-III (Middle Management) | 60 |
| MMGS-II (Middle Management) | 418 |
| Total | 514 |
The vacancies also include reservations for categories like SC, ST, OBC, EWS and Persons with Benchmark Disabilities (PwBD) as per Government of India norms. Free Job Alert
Eligibility Criteria
Educational Qualification
A Bachelor’s degree from a recognised university or equivalent is required. In most cases, candidates should also have relevant work experience in banking, credit, finance or related fields. The specific experience required varies by scale:
- MMGS-II: Bachelor’s degree with minimum 3 years of experience.
- MMGS-III: Bachelor’s degree with minimum 5 years of experience.
- SMGS-IV: Bachelor’s degree with MBA/PGDBM/any postgraduate degree or equivalent with minimum 3 years of experience.
It is important to read the official notification PDF for exact qualifications in Annexure-I before applying.
Age Limit
Age limits vary by grade and are calculated as on 01 November 2025:
| Post Grade | Age Range |
|---|---|
| MMGS-II | 25 to 35 years |
| MMGS-III | 28 to 38 years |
| SMGS-IV | 30 to 40 years |
Age relaxation for reserved categories (SC/ST/OBC/PwBD/Ex-Servicemen) is provided as per Government of India rules.
Application Fee
The application fee must be paid online during the application process:
| Category | Fee |
|---|---|
| General / OBC / EWS | ₹850 (inclusive of intimation charges) |
| SC / ST / PwBD | ₹175 (intimation charges only) |
Payment can be done using net banking, debit card, credit card or other online methods as available on the Bank of India portal.
Selection Process
Bank of India will select candidates based on:
- Online Examination – A computer-based test covering sections like Reasoning, Quantitative Aptitude, English Language and Professional Knowledge.
- Personal Interview – Shortlisted candidates from the online exam may be called for interview.
- Document Verification and Medical Examination – Final steps before appointment.
The exact pattern and weightage between exam and interview will be mentioned in the official notification or as announced later on the Bank’s careers page.
Exam Pattern & Syllabus (Tentative)
According to the official notification and standard Bank of India selection patterns:
| Section | Questions | Marks |
|---|---|---|
| English Language | 25 | 25 |
| Reasoning | 25 | 25 |
| Quantitative Aptitude | 25 | 25 |
| Professional Knowledge | 75 | 75 |
| Total | 150 | 150 |
| Duration | 120 minutes | — |
Professional Knowledge refers to topics relevant to credit appraisal, banking operations, risk management, financial analysis and related areas.
Salary Structure
The salary for Credit Officers depends on the grade they are appointed to. Under the Bank of India pay scale:
| Grade | Pay Scale (Approx.) |
|---|---|
| MMGS-II | ₹64,820 – ₹93,960 |
| MMGS-III | ₹85,920 – ₹1,05,280 |
| SMGS-IV | ₹1,02,300 – ₹1,20,940 |
These figures are basic pay ranges and candidates will also receive allowances like Dearness Allowance, House Rent Allowance and others as per Bank of India policies.
How to Apply Online
Candidates should follow these steps to apply:
- Visit the Bank of India official website: https://bankofindia.bank.in/
- Go to the Careers section.
- Find the link for Recruitment of Credit Officers in GBO Stream – Project 2025-26/01.
- Register with your email ID and mobile number.
- Fill the online application form with personal, educational and experience details.
- Upload photograph, signature and documents as required.
- Pay the application fee online.
- Review and submit the form before 05 January 2026 then download the confirmation page for future reference.
Important Dates
| Event | Date |
|---|---|
| Notification Released | 17 December 2025 |
| Online Application Starts | 20 December 2025 |
| Last Date to Apply | 05 January 2026 |
| Fee Payment Last Date | 05 January 2026 |
| Online Exam | To be notified later |
| Interview Dates | To be notified later |
Final Words
The Bank of India Credit Officer Recruitment 2025-26 presents a significant opportunity for graduates and experienced professionals who want to join a public sector bank as officers. With 514 vacancies, attractive pay scales, nationwide postings, and a structured selection process, this recruitment is ideal for candidates looking to build a long-term career in banking. Before applying, candidates should carefully read the official notification PDF available on the Bank’s website and ensure they meet all eligibility conditions.
