The Bank of India Credit Officer Exam 2026 is officially scheduled for 1st March 2026. The Bank of India (BOI) is conducting the Bank of India Credit Officer Recruitment 2026 for MMGS II, III, and IV posts under the General Banking Officer (GBO) stream. In this article, we provide the latest updates on the BOI Credit Officer exam date, including the selection process, exam pattern, important dates, and more.
Bank of India Credit Officer Exam Date 2026 Out
The Bank of India Credit Officer Exam Date 2026 has been officially announced. As per the latest update, the online examination will be conducted on 1st March 2026. Candidates who have successfully submitted their application forms will be able to download their Bank of India Credit Officer Admit Card 2026. The selection process comprises an online written examination followed by an Interview round. The online examination comprises four sections, including English Language, Reasoning Ability, Quantitative Aptitude, and Professional Knowledge.
Bank of India Credit Officer Admit Card 2026 Out – Click to Check
BOI Credit Officer Recruitment 2026 Highlights
With the Bank of India Credit Officer Exam Date 2026 now out, candidates should refer to the table below for key updates and information:
| Bank of India Credit Officer Exam Date 2026 Overview | |
|---|---|
| Organization | Bank of India |
| Post Name | Credit Officer |
| Bank of India Credit Officer Exam Date 2026 | 1st March 2026 |
| Mode of Exam | Online (Computer-Based Test) |
| Selection Process | Online Examination & Interview |
| Total Number of Questions | 150 |
| Total Marks | 150 |
| Negative Marking | Yes (0.25 marks deducted per wrong answer) |
| Sections | English, Reasoning, Quantitative Aptitude, Professional Knowledge |
| Official Website | www.bankofindia.co.in |
Bank of India Credit Officer 2026 Important Dates
Bank of India Credit Officer Exam Date 2026 has been announced, and the exam is scheduled for 1st March 2026. Refer to the timeline given below for all the important dates:
- Notification Released: 17th December 2025
- Online Application Starts: 20th December 2025
- Last Date to Apply Online: 5th January 2026
- Fee Payment Window: 20th December 2025 to 5th January 2026
- Last Date to Print Application: 20th January 2026
- Bank of India Credit Officer Exam Date 2026 (Confirmed): 1st March 2026
Download Bank of India Credit Officer Notification 2025-26 PDF
Bank of India Credit Officer 2026 Selection Process
The selection process for Bank of India Credit Officer Recruitment 2025-26 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 2026 Exam Pattern
The Bank of India Credit Officer Exam Date 2026 has been set for 1st March 2026, and the exam comprises four sections covering English Language, Reasoning, Quantitative Aptitude, and Professional Knowledge. The exam includes negative marking for incorrect responses, while the English Language 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 Vacancy 2026
The BOI Credit Officer Vacancy 2026 includes a total of 514 positions across MMGS-II, MMGS-III, and SMGS-IV scales under the General Banking Officer (GBO) stream. The majority of openings are in MMGS-II, followed by MMGS-III and SMGS-IV, providing opportunities for candidates with different levels of experience.
| 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 2026 Eligibility Criteria
The Credit Officer 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 |
Candidates should have a Bachelor’s degree in any discipline from a recognised university, with 60% marks (or 55% for SC/ST/OBC/PWBD candidates). |
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 a recognised 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 2026 Application Fee
Applicants must pay the specified application fee while submitting their form. The fee differs by category and is provided in the table below:
| Category | Application Fee |
| General & Others |
Rs 850/- (application fee + intimation charges)
|
| SC / ST / PWD |
Rs 175/- (intimation charges only)
|
Note: Applications without successful fee payment will not be accepted.
Bank of India Credit Officer 2026 Salary
Bank of India provides an attractive pay structure for Credit Officers under the General Banking Officer (GBO) stream. The salary differs based on the management grade, including Middle Management (Grade Scale II & III) and Senior Management (Grade Scale IV).
| 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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