Bank of India Credit Officer Recruitment 2026″:Bank of India (BOI) has announced the Credit Officer Recruitment 2025–26 for a total of 514 vacancies in the General Banking Officer (GBO) / Credit Officer cadre. The recruitment is open across MMGS-II, MMGS-III, and SMGS-IV scales. Interested candidates can apply online from 20th December 2025 to 5th January 2026. This article covers eligibility criteria, age limit, salary, selection process, and how to apply.
Important Dates
| Event | Date |
|---|---|
| Notification Date | 01/11/2025 |
| Start Date to Apply Online | 20/12/2025 |
| Last Date to Apply Online | 05/01/2026 |
| Payment of Application Fee | 20/12/2025 – 05/01/2026 |
| Tentative Online Exam Date | Will be notified separately |
BOI Credit Officer Vacancy Details
| Scale | Post Name | Total Vacancies |
|---|---|---|
| MMGS-II | Credit Officer | 418 |
| MMGS-III | Credit Officer | 60 |
| SMGS-IV | Credit Officer | 36 |
| Total | – | 514 |
Note: Vacancies are provisional and may change according to the bank’s requirements.
Eligibility Criteria
Educational Qualification
- Graduate from a recognized university with minimum 60% marks.
- Reserved categories (SC/ST/OBC/PWD) minimum 55% marks.
- CGPA/OGPA should be converted into percentage; fractions ignored.
Experience
- Relevant banking experience in credit operations required.
- Scale-wise experience details available in Annexure-I of the official notification.
Age Limit (as on 01/11/2025)
| Scale | Minimum Age | Maximum Age |
|---|---|---|
| MMGS-II | 25 years | 35 years |
| MMGS-III | 28 years | 38 years |
| SMGS-IV | 30 years | 40 years |
Age Relaxation:
- SC/ST: 5 years
- OBC (Non-Creamy Layer): 3 years
- PwD: 10 years
- Ex-Servicemen: 5 years
- 1984 Riots Affected Persons: 5 years
Salary Structure
| Scale | Salary Range (per month) |
|---|---|
| MMGS-II | ₹64,820 – ₹93,960 |
| MMGS-III | ₹85,920 – ₹105,280 |
| SMGS-IV | ₹102,300 – ₹120,940 |
Other Benefits: Allowances and perks as per bank rules.
Application Fee
| Category | Fee |
|---|---|
| General & Other Categories | ₹850 |
| SC/ST/PWD | ₹175 (Intimation charges only) |
- Fee payable online via Credit/Debit Cards, Net Banking, UPI, Mobile Wallets.
- Non-refundable and non-transferable.
Selection Process
- Online Examination(if conducted):
- Total 150 questions, 120 minutes
- English Language: 25 questions (qualifying)
- Reasoning: 25 questions
- Quantitative Aptitude: 25 questions
- Professional Knowledge: 75 questions
- Minimum qualifying marks: General/EWS – 35%, SC/ST/OBC/PWD – 30%
- Negative marking: 0.25 marks per wrong answer
- Total 150 questions, 120 minutes
- Personal Interview:
- Ratio: 1:3 to vacancies
- Maximum marks: 100
- Minimum qualifying marks: General/EWS – 50%, SC/ST/OBC/PWD – 45%
- Final Selection:
- Weightage: Online Exam 70% + Interview 30%
- Merit list in descending order; tie-breaker: online exam marks, then age (senior first)
Note: If online test is not conducted, selection will be based on interview only.
Security Deposit
- MMGS-II: ₹2,00,000
- MMGS-III & SMGS-IV: ₹3,00,000
- Refundable after 3 years of satisfactory service
How to Apply Online
- Visit the Bank of India official website
- Navigate to the CAREERS section and click on the Credit Officer recruitment notification.
- Click Apply Online → New Registration
- Enter personal details and note the provisional registration number.
- Fill the application form and upload the required documents:
- Photograph (4.5×3.5 cm, JPG, 20-50 KB)
- Signature (140×60 pixels, JPG, 10-20 KB)
- Left thumb impression (240×240 pixels, JPG, 20-50 KB)
- Handwritten declaration (800×400 pixels, JPG, 50-100 KB)
- Experience and educational certificates
- Preview and submit the application form.
- Pay the application fee online.
- Save and print the e-receipt and application form for future reference.
Important: Only online applications will be accepted. Multiple applications will retain only the latest one.
FAQs – BOI Credit Officer 2026
- When can I apply?
- 20/12/2025 to 05/01/2026
- How many vacancies are available?
- Total 514 (MMGS-II: 418, MMGS-III: 60, SMGS-IV: 36)
- What is the eligibility?
- Graduate with 60% marks + relevant banking experience
- What is the age limit?
- MMGS-II: 25-35 years, MMGS-III: 28-38 years, SMGS-IV: 30-40 years
- What is the application fee?
- General/Others: ₹850, SC/ST/PWD: ₹175
- What is the selection process?
- Online exam and interview (weightage 70:30)
- Salary?
- ₹64,820 – ₹120,940 depending on scale
- Security deposit required?
- ₹2,00,000 for MMGS-II, ₹3,00,000 for MMGS-III & above
- Can I apply for multiple posts?
- No, only one application allowed
Apply Now: BOI Credit Officer Online Form 2026
Official Notification: Download PDF
