Bank of India has officially released the Credit Officer Recruitment 2025 Notification on the official website on 17th December for a total of 514 vacancies in the General Banking Officer (GBO) stream. Eligible candidates can apply online within the prescribed dates through the official website. Scroll down for complete details on applying online, eligibility criteria, exam pattern, notification PDF and more.
Bank of India Credit Officer Recruitment 2025-26 Notification Out
The detailed notification for Bank of India Credit Officer Recruitment 2025 has been published under advt no. 2025-26/01, inviting online applications for MMGS-II, MMGS-III, and SMGS-IV scale posts from 20th December 2025 to 5th January 2026. The selection process will include an online examination and/or personal interview, depending on the number of applicants. Also download the Bank of India Credit Officer Notification 2025 PDF using the link below.
Download Bank of India Credit Officer Notification 2025-26 PDF
Bank of India Credit Officer Recruitment 2025: Highlights
This recruitment drive offers an excellent opportunity for candidates aspiring to build a stable and rewarding career in the banking sector.
| Particulars | Details |
| Organization | Bank of India |
| Post Name |
Credit Officer (GBO Stream)
|
| Total Vacancies | 514 |
| Job Location | Across India |
| Application Mode | Online |
| Application Dates |
20 December 2025 to 5 January 2026
|
| Selection Process |
Online Exam & Interview
|
| Official Website |
bankofindia.bank.in
|
Bank of India Credit Officer 2025 Important Dates
The Bank of India Credit Officer 2025 Important Dates include the release of the official notification on 17 December 2025, with the online application process commencing from 20 December 2025. Eligible candidates can submit their applications until 05 January 2026, while the online examination date will be announced separately by the bank.
| Event | Date |
| Notification Release Date | 17 December 2025 |
| Online Application Start Date | 20 December 2025 |
| Last Date to Apply Online | 05 January 2026 |
| Cut-off Date for Eligibility | 01 November 2025 |
| Online Exam Date |
To be announced
|
Bank of India Credit Officer 2025 Vacancy
The Bank of India Credit Officer 2025-26 Vacancy details reveal a total of 514 openings across MMGS-II, MMGS-III, and SMGS-IV scales under the General Banking Officer (GBO) stream. The highest number of vacancies has been announced for MMGS-II, followed by MMGS-III and SMGS-IV, ensuring opportunities for candidates with varying levels of experience.
These vacancies are distributed among SC, ST, OBC, EWS, and General categories as per government reservation norms, making the recruitment inclusive and competitive. Check the post-wise and category wise vacancy distribution.
| Scale | SC | ST | OBC | EWS | GEN | Total |
| MMGS-II | 62 | 31 | 112 | 41 | 172 | 418 |
| MMGS-III | 9 | 4 | 16 | 6 | 25 | 60 |
| SMGS-IV | 5 | 2 | 9 | 3 | 17 | 36 |
| Total | 76 | 37 | 137 | 50 | 214 | 514 |
Bank of India Credit Officer 2025 Eligibility Criteria
The Bank of India Credit Officer 2025 Eligibility Criteria specify distinct age limits for each scale, with applicable age relaxations for reserved categories as per government norms. In addition to age, candidates must meet the prescribed educational qualifications, relevant banking/credit experience, and nationality requirements.
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
Age relaxation is applicable for SC/ST/OBC/PwBD/Ex-Servicemen as per government norms.
| Sr. No. | Category | Age Relaxation |
| 1 | Scheduled Caste / Scheduled Tribe | 5 years |
| 2 | Other Backward Classes (Non-Creamy Layer) | 3 years |
| 3 | Persons with Benchmark Disabilities (as defined under the Rights of Persons with Disabilities Act, 2016) | 10 years |
| 4 | Ex-Servicemen, Commissioned Officers (including ECOs/SSCOs) who have rendered at least 5 years of military service and are released on completion of assignment (including those due to complete assignment within one year from the last date of application), other than dismissal/discharge due to misconduct or inefficiency | 5 years |
| 5 | Persons affected by 1984 riots | 5 years |
Educational Qualification
Candidates must possess the required graduate/postgraduate qualification and relevant work experience as specified in the table below.
| Scale | Educational Qualifications | Other Preferred Qualification/ Certification | Work Experience |
| MMGS-II |
A Degree (Graduation) in any discipline from a recognised University/ Institute with 60% marks or equivalent grade (55% for SC/ ST/ OBC/ PWBD) recognised by the Govt. of India or any equivalent qualification recognised as such by the Central Government. |
Chartered Accountant/ Chartered Financial Analyst / CMA – ICWA froma recognised institute. OR MBA/ PGDBM in Banking/Finance or Two Years full-time Post Graduation Degree in Banking/ Finance/ any credit-related field from a recognised university/ Institution / Board. |
Minimum 3 years’ post-qualification experience as an officer, out of which 2 years’ experience should be in processing of MSME Credit/Commercial Credit / Project Finance / Mid & Large Credit in Scheduled Public Sector Banks/Scheduled Private Sector Banks/Associate or Subsidiary of Scheduled Commercial Banks/ Public sector or Listed Financial Institution/ Foreign Banks |
| MMGS-III | A Degree (Graduation) in any discipline from a University/ Institute with 60% marks or equivalent grade (55% for SC/ST/ OBC/ PWBD) recognised by the Govt. of India or any equivalent qualification recognised as such by the Central Government |
Chartered Accountant/Chartered Financial Analyst/CMA – ICWA from a recognised institute. OR MBA/ PGDBM in Banking/Finance or Two Years full-time Post Graduation Degree in Banking/Finance/any credit-related field from a recognised university/Institution/Board. |
Minimum 5 years’ post-qualification experience as an officer, out of which 3 years’ experience should be in processing of MSME Credit/ Commercial Credit / Project Finance / Mid & large Credit in Scheduled Public Sector Banks/Scheduled Private Sector Banks/Associate or Subsidiary of Scheduled Commercial Banks/ in a Public sector or Listed Financial Institution/ Foreign Banks |
| SMGS-IV | A Degree (Graduation) in any discipline from a University/ Institute with 60% marks or equivalent grade (55% for SC/ST/ OBC/ PWBD) recognised by the Govt. Of India, or any equivalent qualification recognised as such by the Central Government |
Certificate Course offered by IIBF in International Trade Finance/ Credit Professional/ MSME, AND MBA/ PGDBM from a recognised University /Institution/Board. OR Two Years full time Master’s degree in any field from a recognised University /Institution / Board. OR Chartered Accountant/ Chartered Financial Analyst /CMA – ICWA from recognized institute |
Minimum 8 years’ post-qualification experience as an officer, out of which 5 years’ experience should be in processing of MSME/ Commercial Credit / Project Finance / Mid & large Credit in Scheduled Public Sector Banks/Scheduled Private Sector Banks/Associate or Subsidiary of Scheduled Commercial Banks/ in a Public sector or Listed Financial Institution/ Foreign Banks |
Nationality
A candidate must be either –
(i) a Citizen of India or
(ii) a subject of Nepal or
(iii) a subject of Bhutan or
(iv) a Tibetan Refugee who came over to India before 1st January 1962 with the intention of permanently settling in India or
(v) a person of Indian origin who has migrated from Pakistan, Burma, Sri Lanka, East African countries of Kenya, Uganda, the United Republic of Tanzania (formerly Tanganyika and Zanzibar), Zambia, Malawi, Zaire, Ethiopia and Vietnam with the intention of permanently settling in India, provided that a candidate belonging to categories (ii), (iii), (iv) & (v) above shall be a person in whose favour a certificate of eligibility has been issued by the Government of India
Bank of India Credit Officer 2025 Selection Process
The selection process for Bank of India Credit Officer Recruitment 2025 includes:
- Online Examination
- Personal Interview
If both stages are conducted, the final merit list will be prepared using a 70:30 weightage (Online Exam: Interview).
Bank of India Credit Officer 2025 Exam Pattern
The Bank of India Credit Officer 2025-26 Exam Pattern consists of an online objective test covering English Language, Reasoning, Quantitative Aptitude, and Professional Knowledge. The exam includes negative marking for incorrect answers, while the English section is qualifying in nature.
- Duration: 120 Minutes
- Negative Marking: 0.25 marks for each wrong answer
- English Language is qualifying in nature.
| Section | No. of Questions | Marks |
| English Language (Qualifying) | 25 | 25 |
| Reasoning | 25 | 25 |
| Quantitative Aptitude | 25 | 25 |
| Professional Knowledge | 75 | 75 |
| Total | 150 | 150 |
Bank of India Credit Officer 2025 Salary
Bank of India offers an attractive salary package for Credit Officers in different grades under the General Banking Officer (GBO) stream. The salary varies according to the management level, with Middle Management (Grade Scale-II & III) and Senior Management (Grade Scale-IV) positions offering competitive basic pay along with other allowances and perks. The pay scale ensures growth over time with incremental benefits, reflecting the responsibilities and experience required at each level.
| Post | Grade / Scale |
Scale of Pay (Rs.)
|
| Credit Officer (GBO stream) | Middle Management Grade Scale-II |
64,820 – 2,340 (1) – 67,160 – 2,680 (10) – 93,960
|
| Middle Management Grade Scale-III |
85,920 – 2,680 (5) – 99,320 – 2,980 (2) – 1,05,280
|
|
| Senior Management Grade Scale-IV |
1,02,300 – 2,980 (4) – 1,14,220 – 3,360 (2) – 1,20,940
|
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