Bank of India has released the Credit Officer Recruitment 2025–26 notification for a total of 514 vacancies in the General Banking Officer (GBO) / Credit Officer cadre across MMGS-II, MMGS-III and SMGS-IV scales. Apply online from 20th December 2025 to 05 January 2026. Bank of India (BOI), a leading Public Sector Bank under the Ministry of Finance, Government of India, has released the Credit Officers in GBO Stream Recruitment 2025-26 Notification (Project No. 2025-26/01, Notice dated 01.11.2025). This is a great opportunity for experienced banking and finance professionals to join the bank as Credit Officers in Middle Management and Senior Management grades. The online application process will start from 20.12.2025 and will remain open till 05.01.2026 at the official website www.bankofindia.bank.in.
Bank of India Credit Officer Recruitment 2026 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. |
Important Dates :
| Event | Date |
|---|---|
| Application Start Date | December 20, 2025 |
| Application End Date | January 5, 2026 |
| Online Exam Date | To be notified separately |
Bank of India Credit Officer Recruitment 2026 Vacancies :
Bank of India has announced a total of 514 vacancies for Credit Officers in GBO Stream under Project No. 2025-26/01.
| 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 |
Bank of India Credit Officer Recruitment 2026 Eligibility :
Educational Qualification:
- A graduate degree in any discipline from a recognized university with a minimum of 60% marks (55% for SC/ST/OBC/PwBD candidates).
- Professional qualifications like CA, CFA, ICWA, or an MBA in Banking/Finance are preferred for certain scales.
Age Limit:
- MMGS-II: 25 to 35 years
- MMGS-III: 28 to 38 years
- SMGS-IV: 30 to 40 years
Experience:
- Post-qualification experience in a credit-related role is mandatory for all positions, with required experience ranging from 3 to 8 years depending on the specific scale.
Bank of India Credit Officer Recruitment 2026 Salary :
| Grade Scale | Pay Scale (Basic Pay) |
|---|---|
| MMGS-II (Middle Management) | ₹64,820 – 2,340(1) – 67,160 – 2,680(10) – ₹93,960 |
| MMGS-III (Middle Management) | ₹85,920 – 2,680(5) – 99,320 – 2,980(2) – ₹105,280 |
| SMGS-IV (Senior Management) | ₹1,02,300 – 2,980(4) – 114,220 – 3,360(2) – ₹120,940 |
Approximate In-Hand Salary
- MMGS-II: ₹80,000 – ₹1,00,000 per month.
- MMGS-III: ₹1,00,000 – ₹1,30,000 per month.
- SMGS-IV: ₹1,20,000 – ₹1,50,000 per month.
Security Deposit (Bond Period)
Candidates must serve a mandatory 3-year bond period. They are required to deposit a security amount, which is refundable after satisfactory completion of these three years:
- MMGS-II: ₹2,00,000.
- MMGS-III & SMGS-IV: ₹3,00,000.
Exam Pattern :
| Section | No. of Questions | Max. Marks | Duration |
|---|---|---|---|
| English Language (Qualifying) | 25 | 25 | 120 Minutes (Composite Time) |
| Reasoning | 25 | 25 | |
| Quantitative Aptitude | 25 | 25 | |
| Professional Knowledge | 75 | 75 | |
| Total | 150 | 150 |
Syllabus :
The general sections include English Language, Reasoning Ability, and Quantitative Aptitude. The English Language section covers topics such as Reading Comprehension, Cloze Test, Error Spotting, Fill in the Blanks, and Vocabulary. Reasoning Ability includes Puzzles, Syllogism, Inequality, Coding-Decoding, and other logical reasoning topics. Quantitative Aptitude focuses on Simplification, Number Series, Data Interpretation, and Arithmetic word problems.
The Professional Knowledge section covers topics crucial for the credit officer role, such as Principles of Banking, Types of Loans, Credit Appraisal, Risk and NPA Management, Financial Statement Analysis, and RBI Guidelines.
Candidates are encouraged to check the official Bank Of India Website for the most detailed and up-to-date information under the “Careers” section.
Application Fee :
-
- SC/ST/PwBD Candidates: ₹175 (Intimation charges only)
- General & Others (OBC/EWS): ₹850 (Application fee + Intimation charges)
Bank of India Credit Officer Recruitment 2026 Application Process :
- Visit the Official Website: Go to the Bank of India’s official careers page at bankofindia.bank.in.
- Registration: Click on the recruitment link for “Recruitment of Credit Officers in GBO Stream (2025-26)” and register to generate a provisional registration number and password.
- Fill the Application Form: Log in and accurately fill in personal details, educational qualifications, and work experience.
- Upload Documents: Upload scanned copies of your photograph and signature as per the specifications provided in the recruitment notification.
- Pay the Fee: Pay the application fee online using Debit Card, Credit Card, Net Banking, or UPI:
- ₹175 for SC/ST/PwBD candidates.
- ₹850 for General and all other candidates.
- Final Submission & Print: Review all details before final submission. Print the application form and e-receipt for future reference.
Bank of India Credit Officer Recruitment 2026 Selection Process :
Stage 1: Online Examination
- Candidates must appear for an objective-type online test.
- The exam covers English Language, Reasoning, Quantitative Aptitude, and Professional Knowledge.
- The total marks for the exam are 150.
- Marks obtained in the Professional Knowledge, Reasoning, and Quantitative Aptitude sections are considered for the final merit list. The English Language section is qualifying only.
- A negative marking of 0.25 marks for each incorrect answer applies.
Stage 2: Personal Interview
- Candidates who clear the cut-off marks in the online examination are shortlisted for a personal interview.
- The interview assesses soft skills, professional knowledge, communication skills, and general aptitude for the banking sector.
- Weightage: The final merit list is based on a combined score from the Online Examination and the Personal Interview, with a weightage ratio of 70:30 respectively.