Bank of India has released the Credit Officer Recruitment 2025–26 notification for a total of 514 vacancies in the General Banking Officer (GBO) / Credit Officer cadre across MMGS-II, MMGS-III and SMGS-IV scales. Apply online from 20th December 2025 to 05 January 2026. Know all the details like Selection Process, Important Dates, Age Limit and More.
Bank of India (BOI), a leading Public Sector Bank under the Ministry of Finance, Government of India, has released the Credit Officers in GBO Stream Recruitment 2025-26 Notification (Project No. 2025-26/01, Notice dated 01.11.2025). This is a great opportunity for experienced banking and finance professionals to join the bank as Credit Officers in Middle Management and Senior Management grades. The online application process will start from 20.12.2025 and will remain open till 05.01.2026 at the official website www.bankofindia.bank.in.
BOI Credit Officer Notification 2025 Out
BOI Credit Officer Recruitment 2025-26 - Overview
| Organization | Bank of India (BOI) |
| Department | Ministry of Finance, Government of India |
| Exam Name | Recruitment of Credit Officers in GBO Stream, Project No. 2025-26/01 |
| Post | Credit Officer (GBO Stream) in SMGS-IV, MMGS-III, MMGS-II |
| Total Vacancies | 514 Posts |
| Mode of Application | Online |
| Registration Dates | 20.12.2025 to 05.01.2026 |
| Application Fee | General & Others: Rs. 850; SC/ST/PWD: Rs. 175 |
| Education Qualification | Graduation and other qualifications/experience as per Annexure-I for respective posts (Credit Officer GBO) |
| Age Limit | Varies by scale; overall range 25 to 40 years (post-wise as per table below, age as on 01.11.2025) |
| Selection Process | Online examination and/or interview with final merit based on exam and interview in 70:30 ratio (if exam held) |
| Official Website | www.bankofindia.bank.in |
Credit Officer Recruitment 2025-26
The Credit Officer Recruitment 2025-26 invites experienced professionals in banking, credit, and finance who are seeking a career in the general banking (GBO) stream. The selection process of Bank of India includes online examination comprising Reasoning, Quantitative Aptitude, English Language and Professional Knowledge, followed by a personal interview for shortlisted candidates. Selected candidates will be placed in Middle Management Grade Scale-II/III or Senior Management Grade Scale-IV and will undergo the usual probation and confirmation process as per bank rules before being fully confirmed as Credit Officers.
This recruitment offers attractive career prospects with excellent growth opportunities, competitive salary, and strong job security in a leading public sector bank. The selected candidates can be posted anywhere in India and will be responsible for credit appraisal, monitoring, and general banking operations in the GBO stream, along with other responsibilities assigned by the bank from time to time.
Interested and eligible candidates can apply online through the official website www.bankofindia.bank.in from 20.12.2025 to 05.01.2026. The application fee for General & other candidates is Rs. 850, while SC/ST/PWD candidates are required to pay Rs. 175 as intimation charges only, through online payment modes within the specified dates.
BOI Credit Officer Recruitment 2025-26 Important Dates
The detailed Credit Officer Recruitment 2025-26 Notification has been released by Bank of India with the complete schedule. The online application process will start from 20.12.2025, and the last date to apply online is 05.01.2026. Candidates can check the complete schedule from the table below.
| Event | Date |
| Notification Release Date | 01.11.2025 |
| Apply Online Starts | 20.12.2025 |
| Last Date to Apply Online | 05.01.2026 |
| Last Date to Pay Application Fee | 05.01.2026 |
| Correction Window | Not specified in notification |
| Admit Card Release | To be notified on website |
| Examination Date | Tentative – will be advised separately |
| Answer Key Release | Not specified |
| Result Declaration | To be notified after exam |
| Document Verification/Interview | To be notified |
| Final Selection List | To be notified |
BOI Credit Officer Recruitment 2025-26 Vacancy Details
Bank of India has announced a total of 514 vacancies for Credit Officers in GBO Stream under Project No. 2025-26/01. The post-wise and category-wise vacancy distribution is given in the table below.
| Post Name | UR | OBC | SC | ST | EWS | Total |
| Credit Officer SMGS-IV (GBO) | 17 | 9 | 5 | 2 | 3 | 36 |
| Credit Officer MMGS-III (GBO) | 25 | 16 | 9 | 4 | 6 | 60 |
| Credit Officer MMGS-II (GBO) | 172 | 112 | 62 | 31 | 41 | 418 |
| Total | 214 | 137 | 76 | 37 | 50 | 514 |
PWD Vacancies (within above total): HI – 6, VI – 4, OC – 6, ID – 4 (distributed across scales as per notification). Ex-servicemen and other reservations are applicable as per Government of India and Bank norms, and vacancies are provisional and may vary according to requirement.
Credit Officer Eligibility Criteria 2025-26
Candidates willing to apply for Credit Officer posts must ensure that they fulfil the required Credit Officer Eligibility Criteria 2025-26 as specified by Bank of India. The criteria include nationality/citizenship, age limits, educational qualification and relevant work experience as per Annexure-I for each scale
Educational Qualification
The detailed, post-wise educational qualifications and experience requirements for Credit Officers in GBO Stream (SMGS-IV, MMGS-III and MMGS-II) are provided in Annexure-I to Notice dated 01.11.2025, which candidates must read carefully before applying. Only candidates having the requisite qualification stipulated for the post are eligible to apply, and they must upload supporting documents at the time of online registration.
For all posts, candidates must indicate graduation percentage up to two decimals and convert CGPA/OGPA into percentage as per university norms. Reserved category candidates (SC/ST/OBC/PWD) applying for reserved vacancies are entitled to 5% relaxation wherever a minimum of 60% marks is prescribed, and should therefore have at least 55% marks.
Age Limit (As on 01.11.2025)
Candidates applying for Credit Officer Recruitment 2025-26 must satisfy the minimum and maximum age requirements for the respective scales as on 01.11.2025. The basic post-wise age criteria are given below.
| Post | Minimum Age | Maximum Age |
| Credit Officer MMGS-II (GBO) | 25 Years | 35 Years |
| Credit Officer MMGS-III (GBO) | 28 Years | 38 Years |
| Credit Officer SMGS-IV (GBO) | 30 Years | 40 Years |
Category-wise relaxation of upper age limit is applicable as per Government of India rules: SC/ST – 5 years, OBC (Non-creamy layer) – 3 years, Persons with Benchmark Disabilities – 10 years, Ex-servicemen/ECOs/SSCOs with at least 5 years’ service – 5 years, and persons affected by 1984 riots – 5 years, subject to conditions mentioned in the notification.
The maximum age limits in the above table apply to General and EWS candidates, while the relaxations for SC/ST/OBC/PwBD are allowed on a cumulative basis with only one of the other eligible categories as indicated in the notification.
Credit Officer Selection Process 2025-26
The Credit Officer selection is based on shortlisting candidates through an online examination and/or direct shortlisting followed by a personal interview. The screening focuses on assessing the candidate's reasoning, quantitative aptitude and professional knowledge in their selected discipline in addition to English language. Only those who qualify in the screening stage and rank sufficiently high in merit are invited for the interview.
The selection process is carried out in main stages as explained below.
1. Scrutiny and Shortlisting of Applications: Applications are shortlisted on the basis of documents uploaded in support of eligibility criteria (qualification, experience, category, etc.) at the time of registration. Only candidates whose documents clearly establish eligibility are taken forward for the online test and/or interview.
2. Online Examination:
- Mode: Online objective test.
- Structure: English Language (25 questions, 25 marks), Reasoning (25 questions, 25 marks), Quantitative Aptitude (25 questions, 25 marks), Professional Knowledge relevant to the post (75 questions, 75 marks); total 150 questions for 150 marks, composite time of 120 minutes.
- Language: All tests except English are bilingual (English & Hindi); English Language test is only qualifying and its marks are not added in merit.
- Qualifying Marks: Minimum 35% in each test for General/EWS; SC/ST/OBC/PWD candidates get 5% relaxation.
- Negative Marking: 1/4th of the marks assigned to each question is deducted for every wrong answer; no penalty for unanswered questions.
3. Interview: Candidates who secure the minimum qualifying marks in the online tests and rank high in order of merit (category-wise) are called for a personal interview, generally in the ratio of about 1:3 to the number of vacancies. The interview carries 100 marks with minimum qualifying marks of 50% for General/EWS and 45% for SC/ST/OBC/PWD candidates.
Final Merit: If both online exam and interview are conducted, final merit is prepared by combining scores of online examination (Reasoning, Quantitative Aptitude and Professional Knowledge) and interview in a 70:30 ratio, subject to candidates qualifying in both stages. If the online exam is not conducted, selection will be based solely on interview marks in descending order of merit up to the number of vacancies.
Credit Officer Application Fee 2025-26
Candidates applying for the Credit Officer Recruitment 2025-26 are required to pay the application fee/intimation charges as per their category through online mode only between 20.12.2025 and 05.01.2026.
| Category | Application Fee |
| General & Others | Rs. 850 (application fee + intimation charges) |
| SC/ST/PWD | Rs. 175 (intimation charges only) |
The fee is non-refundable and must be paid using Master/Visa/RuPay credit cards, debit cards, internet banking, cash cards/mobile wallets, QR or UPI. Candidates should ensure successful fee payment and retain the e-receipt and online application printout for future reference.
BOI Credit Officer Salary 2025-26
Candidates selected as Credit Officers (Group-A Officers) in Bank of India are appointed in Middle Management Grade Scale-II/III or Senior Management Grade Scale-IV with attractive pay scales as per bank norms. The basic pay and progression in each scale are as per the present scales of pay for officers in nationalised banks.
| Component | Details |
| Post | Credit Officer (GBO Stream) – MMGS-II / MMGS-III / SMGS-IV |
| Pay Level / Scale of Pay | MMGS-II: 64820 – 2340 (1) – 67160 – 2680 (10) – 93960 MMGS-III: 85920 – 2680 (5) – 99320 – 2980 (2) – 105280 SMGS-IV: 102300 – 2980 (4) – 114220 – 3360 (2) – 120940 |
| Basic Pay | Starts at Rs. 64,820 for MMGS-II, Rs. 85,920 for MMGS-III and Rs. 1,02,300 for SMGS-IV (plus increments as per scale). |
| Approx. Monthly Emoluments | Include basic pay plus DA, HRA/lease, CCA and other allowances as per bank rules (varies by place of posting). |
| Allowances & Benefits | Dearness Allowance, HRA or Lease Rent, Medical Facilities, LTC, Leave benefits, Contributory Pension (NPS), etc. |
| Career Growth | Promotion to higher scales as per Bank’s Promotion Policy in General Banking/Specialised Streams based on performance and eligibility. |
Additionally, selected officers are required to furnish a refundable security deposit of Rs. 2,00,000 for MMGS-II and Rs. 3,00,000 for MMGS-III and above, which is forfeited if the officer leaves the bank before completion of 3 years of service.
How to Apply for BOI Credit Officer Recruitment 2025-26?
Candidates who meet the eligibility criteria can apply online for the Credit Officer Recruitment 2025-26 through the official website within the prescribed dates. The step-by-step application process is as follows.
- Visit the official website www.bankofindia.bank.in.
- Click on the “CAREER” section and then on the link “Recruitment of Credit Officers in GBO Stream Project No. 2025-26/01 Notice dated 01.11.2025”.
- Click on “APPLY ONLINE” to open the online application form.
- Click on “Click here for New Registration” and register by entering basic details to get your provisional registration number and password via email/SMS.
- Login with registration number and password, fill in personal details, educational qualifications, experience and category details carefully.
- Upload scanned copies of photograph, signature, left thumb impression, handwritten declaration and required experience/eligibility documents as per specifications given in the notification.
- Preview the application, verify all details and click on “Complete Registration” only after ensuring correctness of all entries.
- Proceed to the “Payment” tab and pay the requisite application fee/intimation charges through online mode.
- On successful transaction, generate and save the e-receipt and final submitted application form.
- Download and print the system-generated application form and keep it safely along with fee receipt for future reference; no hard copy is to be sent to the bank.
Important Links:
- Apply Online: Click here
- Official Notification PDF: Click here
- Official Website: Click here
- Join WhatsApp Channel: Click here
Important Instructions for Credit Officer Recruitment 2025-26
- Ensure that all eligibility criteria (age, qualification, experience, category) are met as on 01.11.2025 before applying.
- Fill the online application form carefully, as no change in category, post or other details will be permitted after final submission.
- Upload all required documents (photo, signature, thumb impression, handwritten declaration, qualification and experience proofs) in the prescribed format and size.
- Pay the application fee within the specified dates; fee once paid is non-refundable and cannot be reserved for any other recruitment.
- Keep multiple printouts of the submitted application form and e-receipt for future reference and interview/document verification.
- Use a valid email ID and mobile number and keep them active till the completion of the recruitment process; all communication will be sent only through email/SMS and website notifications.
- Only one application per candidate is allowed; in case of multiple registrations, only the latest complete application will be considered.
- Candidates must be willing to work anywhere in India; Bank reserves the right to post/transfer Credit Officers to any branch/office as per requirement.
- Selection is subject to document verification, medical fitness, and fulfilment of all conditions mentioned in the notification; any false information may lead to cancellation of candidature and legal action.
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