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 Notification Out [779 Posts], Application Dates

Bank of India has officially released the Credit Officer Recruitment 2026 Short Notice on the official website on 28th June 2026 for a total of 514 vacancies in the General Banking Officer (GBO) stream.

Eligible candidates can apply online from 30th June 2026 onwards on the official website of the Bank. Scroll down for complete details on applying online, eligibility criteria, exam pattern, notification PDF and more.

Bank of India Credit Officer Recruitment 2026 Short Notice Out

The detailed notification for Bank of India Credit Officer Recruitment 2026 will be released on 30th June 2026. The selection process will include an online examination and/or personal interview, depending on the number of applicants. We will share the detailed PDF here once it gets released but in the meantime, check short notice here.

Bank of India Credit Officer Recruitment 2026: Highlights

Particulars	Details
Organization	Bank of India
Post Name	Credit Officer (GBO Stream)
Total Vacancies	779
Job Location	Across India
Application Mode	Online
Application Dates	30 June 2026 onwards
Selection Process	Online Exam & Interview
Official Website	bankofindia.bank.in

Bank of India Credit Officer 2026 Important Dates

Event	Date
Notification Release Date	29th June 2026
Online Application Start Date	30th June 2026
Last Date to Apply Online	–
Cut-off Date for Eligibility	–
Online Exam Date	–

Bank of India Credit Officer 2026 Vacancy

The credit officer vacancy has been released for MMGS II, III, and SMGS IV scales. the complete details regarding category-wise and post-wise vacancy will be mentioned in the detailed notification PDF.

Scale	Total
MMGS-II	779
MMGS-III
SMGS-IV

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

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.	Chartered Accountant/ Chartered Financial Analyst / CMA – ICWA from recognised institute. OR MBA/ PGDBM in Banking/Finance or Two Years full time Post Graduation Degree in Banking/ Finance/ any credit related field from recognized 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) recognized by the Govt. of India or any equivalent qualification recognized 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 recognized 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) recognized by the Govt. Of India or any equivalent qualification recognized as such by the Central Government	Certificate Course offered by IIBF in International Trade Finance/ Credit Professional/ MSME AND MBA/ PGDBM from recognized University / Institution / Board. OR Two Years full time Master’s degree in any field from recognized 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 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).

Bank of India Credit Officer 2026 Exam Pattern

The Bank of India Credit Officer 2026 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

BOI Credit Officer Apply Online 2026 Link

The application process for Credit Officer will commence on 30th June 2026 and candidates must keep their documents ready for the registration. A direct link to apply online will be shared here.

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