How many vacancies have been released under Bank of India Credit Officer Recruitment 2026?

A total of 779 vacancies have been announced by the bank.

What is the selection process for Credit Officer recruitment?

Selection includes an online test followed by a personal interview, based on merit and qualifying criteria.

Which posts are covered under this recruitment drive?

The recruitment is for Credit Officer posts in MMGS-II, MMGS-III, and SMGS-IV scales.

What subjects are covered in the exam?

The test includes English Language, Reasoning Ability, Quantitative Aptitude, and Professional Knowledge sections.

Is age relaxation available for reserved categories?

Yes, age relaxation is available as follows: SC/ST: 5 years OBC (Non-Creamy Layer): 3 years PwBD: 10 years Ex-Servicemen & 1984 riot-affected candidates: 5 years

Is prior work experience mandatory for Bank of India Credit Officer posts?

Yes, post-qualification experience in credit-related roles is mandatory for all scales, ranging from 3 years (MMGS-II) to 8 years (SMGS-IV).

Is there negative marking in the Bank of India Credit Officer exam?

Yes, 0.25 marks are deducted for each incorrect answer.

Bank of India Credit Officer Recruitment 2026 Out For 779 Vacancies, Check Apply Online Link and Last Date

The Bank of India (BOI) has released the BOI Credit Officer Notification 2026 to fill 779 vacancies for General Banking Officer (GBO) posts in MMGS-II, MMGS-III, and SMGS-IV scales. The last date to apply online is 20 July 2026. Candidates can check the complete recruitment details, including the vacancy, eligibility, application fee, important dates, and the online application process, below.

Bank of India Credit Officer Recruitment 2026 Out

Eligible candidates can submit their online applications for the BOI Credit Officer Recruitment 2026 through the official website. The selection process will be based on an Online Examination followed by a Personal Interview, or only a Personal Interview, depending on the number of applications received.

Before applying, candidates should carefully review the eligibility criteria, vacancy details, salary, exam pattern, and selection process to ensure they meet all the prescribed requirements.

BOI Credit Officer Recruitment 2026: Highlights

Particular	Details
Organization	Bank of India
Recruitment	Credit Officer Recruitment 2026
Project No.	2026-27/01
Post	Credit Officer (General Banking Stream)
Total Vacancies	779
Scale	MMGS-II, MMGS-III & SMGS-IV
Application Mode	Online
Registration Dates	30 June to 20 July 2026
Application Fee	₹175 / ₹850
Selection Process	Online Test + Interview
Job Location	Across India
Official Website	www.bankofindia.co.in

BOI Credit Officer 2026 Important Dates

Event	Date
Notification Release	30 June 2026
Online Application Starts	30 June 2026
Last Date to Apply	20 July 2026
Last Date for Fee Payment	20 July 2026
Admit Card	To be Announced
Online Examination	To be Announced
Interview	To be Announced

BOI Credit Officer Notification 2026 PDF

Before applying online, candidates should thoroughly read the Bank of India Credit Officer Recruitment 2026 Notification PDF to understand the eligibility conditions, vacancy details, educational qualifications, experience requirements, salary structure, exam pattern, selection process, reservation rules, and application guidelines.

BOI Credit Officer Post-wise Vacancies 2026

Bank of India has announced 779 vacancies for Credit Officer posts under the General Banking Officer (GBO) stream across MMGS-II, MMGS-III, and SMGS-IV scales.

These vacancies are distributed among SC, ST, OBC, EWS, and General categories as per the applicable reservation policy. The detailed post-wise and category-wise vacancy distribution is given in the table below.

Post	Scale	SC	ST	OBC	EWS	GEN	Total Vacancies
Credit Officer (GBO Stream)	MMGS-II	102	52	180	69	274	677
Credit Officer (GBO Stream)	MMGS-III	10	5	16	8	22	61
Credit Officer (GBO Stream)	SMGS-IV	6	2	9	3	21	41
Grand Total		118	59	205	80	317	779

BOI Credit Officer 2026 Eligibility Criteria

Candidates applying for the Credit Officer posts must meet the prescribed eligibility conditions, including age limit, educational qualification, work experience, and nationality requirements for the respective scale.

Age Limit

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 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 official notification (Annexure-I).

Scale	Educational Qualifications	Other Preferred Qualification/ Certification	Work Experience
MMGS-II	A Degree (Graduation) in any discipline from recognized a University/ Institute with 60% marks or equivalent grade (55% for SC/ ST/ OBC/ PWBD) recognized by the Govt. of India or any equivalent qualification recognized as such by the Central Government. OR CA/ CMA-ICWA/ CS/ CFA.	2 Years Post-Graduation Degree in Commerce/ Banking/ Finance/Management/ Marketing or any other Credit related filed from any Govt. recognized/ Approved university/ Institution OR MBA/ PGDBM/ CA/ CFA/ CMA-ICWA. Any Certified Credit Professional course in Trade Finance/ MSME from IIBF/Moody’s/ any other Govt. approved recognized University/ Institution.	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) recognized by the Govt. of India or any equivalent qualification recognized as such by the Central Government OR CA/ CMA-ICWA/ CS/ CFA.		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) recognized by the Govt. Of India or any equivalent qualification recognized as such by the Central GovernmentOR CA/ CMA-ICWA/ CS/ CFA.		Minimum 7 years’ post qualification experience as an officer out of which 4 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

Bank of India Credit Officer Apply Online Link 2026

The Bank of India (BOI) has opened the online application window for the Credit Officer Recruitment 2026 on its official website. Eligible candidates can submit their applications until 20 July 2026 through the direct application link provided below.

Apply Online for Bank Of India Credit Officer Recruitment 2026 Link – Active

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.

BOI Credit Officer 2026 Selection Process

The selection process for Bank of India Credit Officer Recruitment 2026 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).

BOI Credit Officer 2026 Exam Pattern (Revised)

The examination scheme has been updated from the previous cycle. The online test will comprise objective-type questions from English Language and Professional Knowledge.

The English Language section is meant only to assess qualifying proficiency, while the English Language section is qualifying in nature, the Professional Knowledge section will be considered for preparing the final merit list.

Candidates should also note that negative marking will apply, with marks deducted for every incorrect answer as per the prescribed scheme.

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
Professional Knowledge Relevant to the Post	100	100
Total	125	125

BOI Credit Officer Syllabus 2026

The BOI Credit Officer Syllabus 2026 is divided into two sections: English Language and Professional Knowledge. While the English Language section is qualifying in nature, the Professional Knowledge section carries the maximum weightage and determines the final merit list.

Section	Important Topics
English Language	Reading Comprehension, Cloze Test, Error Detection, Sentence Improvement, Fill in the Blanks, Para Jumbles, Sentence Rearrangement, Vocabulary, Synonyms & Antonyms, Idioms & Phrases, Word Swap, Spellings, Grammar
Professional Knowledge	Indian Banking System, RBI Functions, Monetary Policy, Banking & Financial Awareness, Credit Management, Credit Appraisal Process, Loan Lifecycle, Working Capital Assessment (MPBF, Turnover Method), Project Finance, Term Loans, Retail Loans, MSME Financing, Agriculture Finance, Corporate Lending, Financial Statement Analysis, Balance Sheet Analysis, Profit & Loss Account, Cash Flow Analysis, Ratio Analysis, Fund Flow Statement, Credit Rating, NPA & Asset Classification, SARFAESI Act, Insolvency and Bankruptcy Code (IBC), Basel Norms, KYC & AML Guidelines, Priority Sector Lending (PSL), Risk Management, Treasury Basics, Banking Regulations, Negotiable Instruments Act, Banking Regulation Act, FEMA, Digital Banking, Payment Systems (NEFT, RTGS, UPI, IMPS), Current Banking & Financial Affairs, Government Banking Schemes, Security & Collateral Management, Guarantees, Documentation and Recovery Management.

Section

Important Topics

English Language

Reading Comprehension, Cloze Test, Error Detection, Sentence Improvement, Fill in the Blanks, Para Jumbles, Sentence Rearrangement, Vocabulary, Synonyms & Antonyms, Idioms & Phrases, Word Swap, Spellings, Grammar

Professional Knowledge

Indian Banking System, RBI Functions, Monetary Policy, Banking & Financial Awareness, Credit Management, Credit Appraisal Process, Loan Lifecycle, Working Capital Assessment (MPBF, Turnover Method), Project Finance, Term Loans, Retail Loans, MSME Financing, Agriculture Finance, Corporate Lending, Financial Statement Analysis, Balance Sheet Analysis, Profit & Loss Account, Cash Flow Analysis, Ratio Analysis, Fund Flow Statement, Credit Rating, NPA & Asset Classification, SARFAESI Act, Insolvency and Bankruptcy Code (IBC), Basel Norms, KYC & AML Guidelines, Priority Sector Lending (PSL), Risk Management, Treasury Basics, Banking Regulations, Negotiable Instruments Act, Banking Regulation Act, FEMA, Digital Banking, Payment Systems (NEFT, RTGS, UPI, IMPS), Current Banking & Financial Affairs, Government Banking Schemes, Security & Collateral Management, Guarantees, Documentation and Recovery Management.

Bank of India Credit Officer 2026 Salary

Bank of India provides an attractive pay structure for Credit Officers. 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

How to Apply Online?

Step 1: Visit the official Bank of India website and click on the ‘Career’ section.

Step 2: Click on the link “Recruitment of Credit Officers in GBO Stream Project No. 2026-27/01″ and then select “Apply Online.”

Step 3: Click on “Click Here for New Registration” and enter your basic details and provisional registration number and password will be generated.

Step 4: Log in using the registration number and password and fill in your personal, educational, and professional details in the online application form.

Step 5: Upload your recent passport-size photograph, live photograph, signature, left thumb impression, handwritten declaration, and experience or qualification certificates in the prescribed format.

Step 6: Preview the application form carefully and pay the application fee through the available online payment modes such as Debit Card, Credit Card, Internet Banking, UPI, QR, or Mobile Wallet.

Step 7: After successful payment, download and print the submitted application form and e-receipt for future reference.

Dimension and Size of Documents

Document	File Size	Dimensions
Photograph	20 KB – 50 KB	200 × 230 pixels
Live Photograph	–	Capture using a webcam or mobile phone as instructed on the portal
Signature	10 KB – 20 KB	140 × 60 pixels
Left Thumb Impression	20 KB – 50 KB	240 × 240 pixels (200 DPI preferred)
Handwritten Declaration	50 KB – 100 KB	800 × 400 pixels (200 DPI preferred)

Handwritten Declaration Text

Candidates should write the following declaration in their own handwriting, in English, using black ink on white paper:

“I, _______ (Name of the candidate), hereby declare that all the information submitted by me in the application form is correct, true and valid. I will present the supporting documents as and when required.”