Bank of India has officially announced the Credit Officer Recruitment 2025–26, inviting applications for a total of 514 vacancies under the General Banking Officer (GBO) / Credit Officer cadre. This recruitment drive covers multiple scales, including MMGS-II, MMGS-III, and SMGS-IV, offering a strong career opportunity for experienced and aspiring banking professionals seeking growth in one of India’s leading public sector banks.
The online application process will begin on 20 December 2025 and remain open until 05 January 2026. Eligible candidates must ensure they complete the application within this timeline, as no forms will be accepted after the closing date. This recruitment is aimed at strengthening the bank’s credit and general banking operations across various branches and offices.
Candidates applying for the Bank of India Credit Officer Recruitment 2025–26 should carefully review all eligibility conditions, including age criteria, educational qualifications, and relevant work experience, as these may vary depending on the scale applied for.
Selection Process
The selection process for Bank of India Credit Officer Recruitment 2025–26 is designed to assess candidates comprehensively. It may include an online examination, followed by a personal interview and/or group discussion, depending on the scale and number of applicants. The final selection will be based on overall performance and merit as decided by the bank.
Important Dates
The important dates for the recruitment are crucial for applicants to track. The online application window opens on 20 December 2025 and closes on 05 January 2026. Candidates are advised to apply early to avoid last-minute technical issues and regularly check official updates for exam and interview schedules.
Age Limit
The age limit for Bank of India Credit Officer posts varies according to the scale applied for. Age relaxation will be applicable for reserved categories as per government and bank norms. Candidates must meet the prescribed age criteria as on the cut-off date mentioned in the official notification.
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Bank of India Credit Officer Recruitment 2025 Notification Out for 514 Officer Posts
Bank of India (BOI), one of India’s leading Public Sector Banks operating under the Ministry of Finance, Government of India, has officially released the Credit Officer Recruitment 2025–26 Notification for a total of 514 officer vacancies. This recruitment drive, announced under Project No. 2025-26/01 (Notice dated 01.11.2025), is aimed at strengthening the bank’s credit and general banking framework by appointing skilled professionals in key managerial roles.
The recruitment offers an excellent career opportunity for experienced banking and finance professionals who are looking to advance into Middle Management and Senior Management grades. Selected candidates will be appointed as Credit Officers in the GBO (General Banking Officer) Stream, where they will play a vital role in credit appraisal, risk management, and overall banking operations.
The online application process for Bank of India Credit Officer Recruitment 2025 will commence on 20 December 2025 and will remain open until 05 January 2026. Interested and eligible candidates can apply through the official website of Bank of India at www.bankofindia.bank.in. Applicants are advised to complete the registration well before the last date to avoid technical issues.
BOI Credit Officer Notification 2025 Out
The BOI Credit Officers in GBO Stream Recruitment 2025–26 Notification has been released to fill vacancies across SMGS-IV, MMGS-III, and MMGS-II scales. This notification provides complete and detailed information regarding the recruitment process, making it essential for candidates to review it carefully before applying.
The official notification outlines all key aspects of the recruitment, including eligibility criteria, age limit, educational qualifications, work experience requirements, selection process, registration schedule, exam pattern, and other important instructions related to the Credit Officer Recruitment 2025–26. Understanding these details is crucial to ensure eligibility and avoid rejection at later stages.
BOI Credit Officer Recruitment 2025-26 – Overview
| Organization | Bank of India (BOI) |
| Department | Ministry of Finance, Government of India |
| Exam Name | Recruitment of Credit Officers in GBO Stream, Project No. 2025-26/01 |
| Post | Credit Officer (GBO Stream) in SMGS-IV, MMGS-III, MMGS-II |
| Total Vacancies | 514 Posts |
| Mode of Application | Online |
| Registration Dates | 20.12.2025 to 05.01.2026 |
| Application Fee | General & Others: Rs. 850; SC/ST/PWD: Rs. 175 |
| Educational Qualification | Graduation and other qualifications/experience as per Annexure-I for respective posts (Credit Officer GBO) |
| Age Limit | Varies by scale; overall range 25 to 40 years (post-wise as per table below, age as on 01.11.2025) |
| Selection Process | Online examination and/or interview with final merit based on exam and interview in 70:30 ratio (if exam held) |
| Official Website | www.bankofindia.bank.in |
Credit Officer Recruitment 2025-26
The Credit Officer Recruitment 2025–26 conducted by Bank of India (BOI) is aimed at attracting experienced professionals from banking, credit, and finance backgrounds who aspire to build a long-term career in the General Banking Officer (GBO) stream. This recruitment drive provides a structured pathway for professionals to enter Middle Management and Senior Management roles within a reputed public sector bank.
The selection process for Bank of India Credit Officer Recruitment 2025–26 consists of an online examination designed to evaluate candidates across key areas, including Reasoning Ability, Quantitative Aptitude, English Language, and Professional Knowledge relevant to the credit and banking domain. Candidates who qualify in the online test will be shortlisted for a personal interview, which will play a crucial role in the final selection. Based on overall performance, selected candidates will be appointed in MMGS-II, MMGS-III, or SMGS-IV scales. After appointment, candidates will undergo the standard probation and confirmation process as per Bank of India norms before being formally confirmed as Credit Officers.
This recruitment offers strong career prospects, including attractive salary packages, steady career progression, and high job security, making it an appealing opportunity in the public sector banking space. Candidates selected through this recruitment can be posted anywhere across India, depending on the operational requirements of the bank. Their responsibilities will primarily include credit appraisal, loan assessment, credit monitoring, risk evaluation, and general banking operations under the GBO stream, along with any additional duties assigned by the bank from time to time.
Eligible and interested candidates can apply online through the official Bank of India website at www.bankofindia.bank.in. The online application window will remain open from 20 December 2025 to 05 January 2026, and applications submitted after the deadline will not be accepted. The application fee for General, OBC, and other category candidates is ₹850, while SC/ST/PWD candidates are required to pay ₹175 as intimation charges only. The fee must be paid through online payment modes within the specified application period.
BOI Credit Officer Recruitment 2025-26 Important Dates
The detailed BOI Credit Officer Recruitment 2025–26 Notification has been released by Bank of India, outlining the complete recruitment schedule. As per the official notification, the online application process begins on 20 December 2025, and the last date to submit the application is 05 January 2026. Candidates are advised to regularly check the official website for updates related to examination dates, interview schedules, and further stages of the recruitment process.
| Event | Date |
| Notification Release Date | 01.11.2025 |
| Apply Online Starts | 20.12.2025 |
| Last Date to Apply Online | 05.01.2026 |
| Last Date to Pay Application Fee | 05.01.2026 |
| Correction Window | Not specified in notification |
| Admit Card Release | To be notified on website |
| Examination Date | Tentative – will be advised separately |
| Answer Key Release | Not specified |
| Result Declaration | To be notified after exam |
| Document Verification/Interview | To be notified |
| Final Selection List | To be notified |
BOI Credit Officer Recruitment 2025-26 Vacancy Details
Bank of India has officially announced a total of 514 vacancies for the post of Credit Officer in the GBO (General Banking Officer) Stream under Project No. 2025-26/01. This large-scale recruitment drive reflects the bank’s objective to strengthen its credit and general banking operations by onboarding qualified and experienced professionals across various management levels.
The vacancies are distributed across different scales and categories, ensuring fair representation as per government reservation norms. These openings are available in MMGS-II, MMGS-III, and SMGS-IV grades, offering opportunities for candidates with varying levels of professional experience in banking and finance. The post-wise and category-wise breakup provides clarity on the number of positions available for each segment, helping candidates assess their chances and apply accordingly.
Candidates are advised to carefully review the official vacancy distribution table provided in the notification to understand the exact number of openings under each category. This information is essential for making informed decisions during the application process and for verifying eligibility under the applicable reservation guidelines.
| Post Name | UR | OBC | SC | ST | EWS | Total |
| Credit Officer SMGS-IV (GBO) | 17 | 9 | 5 | 2 | 3 | 36 |
| Credit Officer MMGS-III (GBO) | 25 | 16 | 9 | 4 | 6 | 60 |
| Credit Officer MMGS-II (GBO) | 172 | 112 | 62 | 31 | 41 | 418 |
| Total | 214 | 137 | 76 | 37 | 50 | 514 |
PWD Vacancies (within above total):
Out of the total 514 vacancies announced under the BOI Credit Officer Recruitment 2025–26, a specific number of posts have been reserved for Persons with Disabilities (PWD) in accordance with Government of India guidelines. The PWD vacancy distribution includes HI – 6, VI – 4, OC – 6, and ID – 4, which are distributed across different scales as detailed in the official notification. In addition to PWD reservations, Ex-servicemen and other applicable category reservations will be provided as per Government of India and Bank of India norms. Candidates should note that all vacancies are provisional in nature and may be increased or decreased depending on the bank’s operational requirements.
Credit Officer Eligibility Criteria 2025-26
Candidates interested in applying for the Credit Officer Recruitment 2025–26 must ensure that they fully meet the eligibility criteria prescribed by Bank of India. The eligibility requirements cover essential aspects such as nationality/citizenship, age limit, educational qualifications, and relevant work experience. These criteria are defined separately for each scale and are detailed in Annexure-I of the official notification. Applicants are strongly advised to verify their eligibility carefully before proceeding with the online application to avoid disqualification at any stage of the recruitment process.
Educational Qualification
The post-wise educational qualifications and professional experience requirements for Credit Officers in the GBO Stream under SMGS-IV, MMGS-III, and MMGS-II scales are clearly specified in Annexure-I of the Notice dated 01.11.2025. Candidates must read this annexure thoroughly, as only those who meet the prescribed qualifications and experience criteria are eligible to apply. During online registration, applicants are required to upload valid supporting documents to substantiate their eligibility.
For all posts, candidates must mention their graduation marks up to two decimal places. In cases where marks are awarded in the form of CGPA/OGPA, candidates must convert them into percentage strictly as per the norms of the respective university or institution. Candidates belonging to reserved categories such as SC, ST, OBC, and PWD who are applying against reserved vacancies are eligible for a 5% relaxation in minimum marks wherever 60% is prescribed, meaning such candidates should have secured at least 55% marks.
Age Limit (As on 01.11.2025)
Applicants for the BOI Credit Officer Recruitment 2025–26 must satisfy the minimum and maximum age limits applicable to the respective management scales as on 01 November 2025. The scale-wise age criteria are defined in the official notification and must be strictly followed. Age relaxation for reserved categories will be applicable as per Government of India and Bank of India rules, and candidates should refer to the notification for detailed information before applying.
| Post | Minimum Age | Maximum Age |
| Credit Officer MMGS-II (GBO) | 25 Years | 35 Years |
| Credit Officer MMGS-III (GBO) | 28 Years | 38 Years |
| Credit Officer SMGS-IV (GBO) | 30 Years | 40 Years |
Category-wise relaxation of the upper age limit is applicable for candidates belonging to reserved categories as per Government of India rules. The permissible age relaxation includes 5 years for SC/ST candidates, 3 years for OBC (Non-Creamy Layer), 10 years for Persons with Benchmark Disabilities (PwBD), 5 years for Ex-servicemen/ECOs/SSCOs who have completed at least five years of military service, and 5 years for persons affected by the 1984 riots, subject to the specific terms and conditions mentioned in the official Bank of India notification.
It is important to note that the maximum age limits prescribed in the official age table apply to General and EWS candidates only. Relaxations for SC, ST, OBC, and PwBD candidates are allowed on a cumulative basis, but can be availed along with only one other eligible category, strictly as specified in the notification. Candidates are advised to carefully review the age relaxation rules before applying to avoid any discrepancy during document verification.
Credit Officer Selection Process 2025-26
The Bank of India Credit Officer Selection Process 2025–26 is designed to identify qualified and competent professionals through a structured screening mechanism. Selection is based on shortlisting through an online examination and/or direct shortlisting, followed by a personal interview. The screening process evaluates a candidate’s Reasoning Ability, Quantitative Aptitude, Professional Knowledge relevant to the applied discipline, and English Language proficiency. Only candidates who clear the screening stage and secure a sufficiently high position in the merit list are called for the interview.
1. Scrutiny and Shortlisting of Applications:
All applications are initially scrutinized based on the documents uploaded during online registration, including proof of educational qualification, work experience, category, and other eligibility criteria. Only those candidates whose documents clearly establish their eligibility as per the notification are shortlisted for the online examination and/or interview stage.
2. Online Examination:
The online test is an objective-type examination conducted in online mode. The test structure includes English Language (25 questions for 25 marks), Reasoning (25 questions for 25 marks), Quantitative Aptitude (25 questions for 25 marks), and Professional Knowledge relevant to the post (75 questions for 75 marks). The examination consists of a total of 150 questions carrying 150 marks, with a composite time duration of 120 minutes.
All sections, except the English Language test, are available in bilingual format (English and Hindi). The English Language section is qualifying in nature, and its marks are not included in the final merit calculation. To qualify, General and EWS candidates must secure a minimum of 35% marks in each test, while SC/ST/OBC/PWD candidates receive a 5% relaxation. A negative marking of one-fourth (1/4th) of the marks assigned to a question is applicable for each incorrect answer, while no penalty is imposed for unanswered questions.
3. Interview:
Candidates who obtain the required qualifying marks in the online examination and rank sufficiently high in the category-wise merit list are called for a personal interview, generally in a ratio of approximately 1:3 against the number of vacancies. The interview carries 100 marks, with minimum qualifying marks of 50% for General/EWS candidates and 45% for SC/ST/OBC/PWD candidates.
Final Merit:
If both the online examination and interview are conducted, the final merit list is prepared by combining the scores of Reasoning, Quantitative Aptitude, and Professional Knowledge from the online exam along with the interview marks in a 70:30 ratio, provided the candidate qualifies in both stages. In case the online examination is not conducted, the final selection will be based solely on interview performance, arranged in descending order of merit up to the number of notified vacancies.
Credit Officer Application Fee 2025-26
Candidates applying for the BOI Credit Officer Recruitment 2025–26 are required to pay the application fee or intimation charges according to their category through online payment mode only. The fee must be paid during the application period from 20 December 2025 to 05 January 2026, and applications without successful fee payment will not be considered valid.
| Category | Application Fee |
| General & Others | Rs. 850 (application fee + intimation charges) |
| SC/ST/PWD | Rs. 175 (intimation charges only) |
The application fee for BOI Credit Officer Recruitment 2025–26 is non-refundable under all circumstances and must be paid through online modes only. Candidates can use Master, Visa, or RuPay credit cards, debit cards, internet banking, cash cards/mobile wallets, as well as QR code or UPI-based payment options to complete the transaction. Applicants must ensure that the payment process is successfully completed within the specified dates, as incomplete or failed transactions may lead to rejection of the application. It is strongly advised that candidates retain the e-receipt of the fee payment and a printout of the submitted online application form for future reference, particularly during the interview and document verification stages.
BOI Credit Officer Salary 2025-26
Candidates selected as Credit Officers (Group ‘A’ Officers) in Bank of India are appointed in Middle Management Grade Scale-II (MMGS-II), Middle Management Grade Scale-III (MMGS-III), or Senior Management Grade Scale-IV (SMGS-IV), depending on the post and experience level. The salary structure is highly attractive and is governed by the pay scales applicable to officers in nationalised banks, as revised from time to time.
In addition to the basic pay and annual increments as per the respective scale, selected officers are entitled to a range of allowances and benefits, including Dearness Allowance (DA), House Rent Allowance (HRA) or leased accommodation, City Compensatory Allowance (CCA), medical benefits, leave travel concessions, and retirement benefits in accordance with bank rules. The structured pay progression and assured career growth make the BOI Credit Officer Salary 2025–26 package one of the key highlights of this recruitment, offering long-term financial stability and professional development in the public sector banking domain.
| Component | Details |
| Post | Credit Officer (GBO Stream) – MMGS-II / MMGS-III / SMGS-IV |
| Pay Level / Scale of Pay | MMGS-II: 64820 – 2340 (1) – 67160 – 2680 (10) – 93960 MMGS-III: 85920 – 2680 (5) – 99320 – 2980 (2) – 105280 SMGS-IV: 102300 – 2980 (4) – 114220 – 3360 (2) – 120940 |
| Basic Pay | Starts at Rs. 64,820 for MMGS-II, Rs. 85,920 for MMGS-III and Rs. 1,02,300 for SMGS-IV (plus increments as per scale). |
| Approx. Monthly Emoluments | Include basic pay plus DA, HRA/lease, CCA and other allowances as per bank rules (varies by place of posting). |
| Allowances & Benefits | Dearness Allowance, HRA or Lease Rent, Medical Facilities, LTC, Leave benefits, Contributory Pension (NPS), etc. |
| Career Growth | Promotion to higher scales as per Bank’s Promotion Policy in General Banking/Specialised Streams based on performance and eligibility. |
Additionally, candidates selected as Credit Officers in Bank of India are required to submit a refundable security deposit at the time of joining. The amount is ₹2,00,000 for officers appointed in MMGS-II and ₹3,00,000 for officers appointed in MMGS-III and above. This deposit is intended to ensure service commitment and will be forfeited if the officer resigns or leaves the bank before completing a minimum of three years of service. Upon successful completion of the stipulated service period, the security deposit will be refunded as per bank rules.
How to Apply for BOI Credit Officer Recruitment 2025-26?
Candidates who fulfil all the eligibility conditions for Credit Officer Recruitment 2025–26 can submit their applications online through the official Bank of India website within the notified dates. The online application process is simple but requires careful attention to detail. Applicants should follow the steps below to complete the registration successfully.
First, visit the official website www.bankofindia.bank.in. Navigate to the “CAREER” section and click on the link titled “Recruitment of Credit Officers in GBO Stream Project No. 2025-26/01 Notice dated 01.11.2025”. Next, select “APPLY ONLINE” to access the application portal.
Candidates must click on “Click here for New Registration” and enter the required basic details to generate a provisional registration number and password, which will be sent via email and SMS. Using these credentials, log in and carefully fill in personal information, educational qualifications, professional experience, and category details.
Applicants are then required to upload scanned copies of their photograph, signature, left thumb impression, handwritten declaration, and all relevant qualification and experience documents strictly as per the format and size specifications mentioned in the notification. Before final submission, candidates should preview the application, verify all entered details thoroughly, and proceed by clicking “Complete Registration” only after ensuring complete accuracy.
The next step involves payment of the application fee or intimation charges through online mode. After successful payment, candidates should download and save the e-receipt and the final submitted application form. It is recommended to print multiple copies of these documents for future reference, as no hard copy needs to be sent to the bank.
Important Links:
Apply Online: Click here
Official Notification PDF: Click here
Official Website: Click here
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Join Telegram Channel: Click Here
Join WhatsApp Channel: Click Here
Sarkari Result Vacancy: Click Here
Download Mobile App: Click Here
Important Instructions for Credit Officer Recruitment 2025-26
Candidates must ensure that all eligibility criteria related to age, educational qualification, work experience, and category are fully satisfied as on 01.11.2025 before submitting the application. The online application form should be filled with utmost care, as no changes in category, post applied for, or personal details will be allowed after final submission.
All mandatory documents, including photograph, signature, thumb impression, handwritten declaration, and proof of qualification and experience, must be uploaded in the prescribed format and file size. The application fee must be paid within the specified dates, as fees once paid are non-refundable and cannot be adjusted for any other recruitment process.
Candidates should retain multiple printouts of the submitted application form and e-receipt for use during the interview and document verification stages. A valid email ID and mobile number must be provided and kept active throughout the recruitment process, as all official communication will be made through email, SMS, and website notifications only.
Only one application per candidate is permitted. If multiple applications are submitted, only the latest complete application will be considered, and earlier ones will be rejected. Applicants must also be willing to accept posting anywhere in India, as Bank of India reserves full authority to post or transfer Credit Officers based on operational needs.
Final selection is subject to document verification, medical fitness, and compliance with all terms and conditions stated in the official notification. Any false or incorrect information detected at any stage may result in cancellation of candidature and legal action as per bank rules.
Frequently Asked Questions (FAQs)
Q1. What is the last date to apply for Credit Officer Recruitment 2025-26?
A1. The last date to submit the online application is 05 January 2026.
Q2. What is the age limit for Credit Officer Recruitment 2025-26?
A2. The age limit is 25–35 years for MMGS-II, 28–38 years for MMGS-III, and 30–40 years for SMGS-IV as on 01.11.2025, with applicable relaxation for reserved categories.
Q3. How many vacancies are available in Credit Officer Recruitment 2025-26?
A3. A total of 514 vacancies have been announced across MMGS-II, MMGS-III, and SMGS-IV scales in the GBO stream.
Q4. What is the selection process for Credit Officer Recruitment 2025-26?
A4. The selection process includes scrutiny of applications, an online examination, and a personal interview, with final merit prepared using a 70:30 ratio of online exam and interview marks, if the exam is conducted.
Q5. What is the application fee for Credit Officer Recruitment 2025-26?
A5. The application fee is ₹850 for General and other categories, while SC/ST/PWD candidates need to pay ₹175 as intimation charges only.
Q6. Is there any negative marking in the Bank of India Credit Officer exam?
A6. Yes, one-fourth (1/4) of the marks assigned to a question are deducted for each incorrect answer in the objective tests.
Q7. Can I edit my application form after submission?
A7. No, once the application is finally submitted, no changes are allowed. Candidates should carefully review details using the “Save & Next” option before final submission.
Q8. What is the salary of a Bank of India Credit Officer?
A8. The basic pay is ₹64,820 for MMGS-II, ₹85,920 for MMGS-III, and ₹1,02,300 for SMGS-IV, along with DA, HRA, and other allowances as per bank norms.
Q9. Is work experience mandatory for this recruitment?
A9. Yes, relevant post-wise work experience is mandatory, as specified in Annexure-I of the official notification.
Q10. Where will the examination be conducted?
A10. The online examination will be held across major cities including Ahmedabad, Bengaluru, Bhopal, Bhubaneswar, Chennai, Delhi/NCR, Hyderabad, Jaipur, Kolkata, Lucknow, Mumbai, Patna, Raipur, Ranchi, Thiruvananthapuram, and other centres listed in the notification..
Conclusion
The Bank of India Credit Officer Recruitment 2025–26 is an excellent opportunity for experienced banking and finance professionals seeking a stable, prestigious, and growth-oriented career in the public sector. With 514 vacancies across MMGS-II, MMGS-III, and SMGS-IV scales, a transparent selection process, attractive salary structure, and long-term career security, this recruitment drive stands out among bank jobs in 2025. Candidates who meet the eligibility criteria should apply within the prescribed dates, follow instructions carefully, and prepare strategically to secure a position as a Credit Officer in Bank of India.