Bank of India (BOI), a leading public sector bank under the Ministry of Finance, Government of India, has officially released the Credit Officer Recruitment 2025–26 notification. The recruitment drive aims to fill 514 vacancies for Credit Officers in the General Banking Officer (GBO) stream across MMGS-II, MMGS-III, and SMGS-IV scales.
Eligible and experienced candidates can apply online from 20 December 2025 to 05 January 2026 through the official Bank of India website. Below are complete details including eligibility, age limit, selection process, salary, and application steps.
Bank of India Credit Officer Recruitment 2026 Overview
Organization: Bank of India (BOI)
Department: Ministry of Finance, Government of India
Recruitment Name: Credit Officers in GBO Stream
Project No.: 2025-26/01
Total Vacancies: 514
Post Name: Credit Officer
Scale: MMGS-II, MMGS-III, SMGS-IV
Application Mode: Online
Application Dates: 20-12-2025 to 05-01-2026
Official Website: www.bankofindia.bank.in
BOI Credit Officer Vacancy Details 2026
Credit Officer SMGS-IV – 36 Posts
Credit Officer MMGS-III – 60 Posts
Credit Officer MMGS-II – 418 Posts
Total Vacancies: 514
PWD Vacancies (included above):
HI – 6 | VI – 4 | OC – 6 | ID – 4
Reservations for SC, ST, OBC, EWS, Ex-servicemen, and PwBD are applicable as per Government of India norms.
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 is applicable for reserved categories as per rules.
Educational Qualification & Experience
Candidates must possess Graduation along with relevant professional qualifications and work experience as specified post-wise in Annexure-I of the official notification.
Applicants must carefully read the notification to ensure they meet the required qualification and experience criteria for the scale they are applying for.
Application Fee
General / OBC / EWS: ₹850
SC / ST / PwBD: ₹175
Fee must be paid online and is non-refundable.
Selection Process
The selection process includes the following stages:
- Scrutiny of Applications
- Online Examination (if conducted)
- Personal Interview
- Final Merit List
If both exam and interview are conducted, final selection will be based on 70% weightage to online exam and 30% to interview.
BOI Credit Officer Exam Pattern
Total Questions: 150
Total Marks: 150
Duration: 120 Minutes
Sections include:
English Language (Qualifying)
Reasoning
Quantitative Aptitude
Professional Knowledge
Negative Marking: ¼ mark deducted for each wrong answer
Salary Structure
MMGS-II: Starting Basic Pay ₹64,820
MMGS-III: Starting Basic Pay ₹85,920
SMGS-IV: Starting Basic Pay ₹1,02,300
In addition to basic pay, officers are entitled to DA, HRA/Lease, CCA, medical benefits, leave benefits, NPS, and other allowances as per bank rules.
Important Dates
Notification Release: 01 November 2025
Apply Online Start Date: 20 December 2025
Last Date to Apply Online: 05 January 2026
Admit Card: To be notified
Exam Date: To be announced
How to Apply for Bank of India Credit Officer Recruitment 2026
Visit the official website www.bankofindia.bank.in
Go to the “Careers” section
Click on “Recruitment of Credit Officers in GBO Stream Project No. 2025-26/01”
Register using basic details and generate login credentials
Fill the online application form carefully
Upload required documents as per specifications
Pay the application fee online
Submit the form and download a copy for future reference
Important Instructions
Only one application per candidate is allowed
Ensure eligibility before applying
Incorrect details may lead to rejection
Candidates must be willing to work anywhere in India
All updates will be communicated via registered email and website
Bank of India Credit Officer Recruitment 2026 FAQs
What is the last date to apply?
05 January 2026
How many vacancies are available?
514 Credit Officer posts
Is there negative marking in the exam?
Yes, ¼ mark per wrong answer
What is the salary of a Credit Officer?
Basic pay starts from ₹64,820 to ₹1,02,300 depending on scale
Is experience mandatory?
Yes, post-wise experience is required as per the notification
Disclaimer
Candidates are strongly advised to read the official Bank of India Credit Officers Recruitment Notification Project No. 2025-26/01 and visit the official website regularly for updates or changes.