BOI Credit Officer Recruitment 2026 Apply Online 514 Posts
BOI Credit Officer Recruitment 2026 Apply Online 514 Posts
Introduction
This article covers complete details including eligibility criteria, age limit, salary structure, vacancy distribution, selection process, application procedure, preparation strategy, recommended books, FAQs, and important links.
About
Bank of India is a leading Public Sector Bank headquartered in Mumbai, operating under the Ministry of Finance, Government of India. The bank plays a key role in credit expansion, financial inclusion, and corporate banking services across India and abroad.
Recruitment Overview
| Recruiting Authority | Bank of India |
|---|---|
| Post Name | Credit Officer (GBO Stream) |
| Total Vacancies | 514 |
| Job Location | Across India |
| Application Mode | Online |
| Salary | Rs. 64,820 – Rs. 1,20,940 per month |
| Official Website | www.bankofindia.bank.in |
| Last Date to Apply | 05 January 2026 |
BOI Credit Officer Notification 2026
Important Dates
| Event | Date |
|---|---|
| Notification Release | 01 November 2025 |
| Relevant Date for Age & Qualification | 01 November 2025 |
| Start Date to Apply Online | 20 December 2025 |
| Last Date to Apply Online | 05 January 2026 |
| Fee Payment Window | 20 December 2025 – 05 January 2026 |
| Online Examination | To be notified later |
Vacancy Details
| Scale | Post Name | Vacancies |
|---|---|---|
| SMGS-IV | Credit Officer | 36 |
| MMGS-III | Credit Officer | 60 |
| MMGS-II | Credit Officer | 418 |
| Total | 514 |
Note: Vacancies are provisional and may change as per Bank’s requirement.
Eligibility Criteria
Educational Qualification
- Graduate degree from a recognized university with minimum 60% marks.
- SC/ST/OBC/PWD candidates get 5% relaxation (minimum 55%).
- CGPA/OGPA must be converted into percentage.
- Fractions will be ignored (59.99% is treated as less than 60%).
Experience
- Relevant banking experience in credit appraisal and credit operations is mandatory.
- Scale-wise experience requirements are detailed in Annexure-I of the notification.
- Experience certificates must be produced at the interview stage.
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
- SC/ST: 5 years
- OBC (Non-creamy layer): 3 years
- PwBD: 10 years
- Ex-Servicemen: 5 years
- 1984 Riot Victims: 5 years
Salary Structure
- MMGS-II: Rs. 64,820 – Rs. 93,960
- MMGS-III: Rs. 85,920 – Rs. 1,05,280
- SMGS-IV: Rs. 1,02,300 – Rs. 1,20,940
- Additional allowances, perks, and benefits as per Bank rules.
Application Fee
| Category | Fee |
|---|---|
| SC / ST / PwBD | Rs. 175/- |
| General / OBC / EWS | Rs. 850/- |
Fee once paid is non-refundable.
Selection Process
- Online Examination
- Personal Interview
Online Exam Pattern
- English Language – 25 Marks (Qualifying)
- Reasoning – 25 Marks
- Quantitative Aptitude – 25 Marks
- Professional Knowledge – 75 Marks
- Total: 150 Marks | Duration: 120 Minutes
Final Selection
- Online Exam: 70%
- Interview: 30%
How to Apply
- Visit www.bankofindia.bank.in
- Go to CAREER → Recruitment of Credit Officers
- Click on APPLY ONLINE
- Register and note Registration Number & Password
- Fill application form carefully
- Upload photo, signature, thumb impression & declaration
- Pay application fee online
- Submit and take printout for future reference
Important Links
Preparation Tips
- Master credit appraisal and financial statement analysis.
- Revise banking regulations, RBI norms, and Basel guidelines.
- Strengthen professional knowledge over aptitude.
- Practice case-based credit scenarios.
- Revise ratios: DSCR, NPA, CRAR, LTV.
- Focus on accuracy to avoid negative marking.
- Practice mock tests under time pressure.
- Prepare real-life banking experience answers for interview.
- Stay updated with current banking reforms.
- Revise your own work experience thoroughly.
Recommended Books
- Banking Awareness – Arihant Publications
- Credit Appraisal – CAIIB (IIBF) Modules
- Financial Management – I.M. Pandey
- Quantitative Aptitude – R.S. Aggarwal
- Reasoning Ability – M.K. Pandey
- Professional Knowledge for Bank Exams – Kiran Publications
- Indian Economy – Ramesh Singh
- Current Affairs – Pratiyogita Darpan
FAQs – BOI Credit Officer Recruitment 2026
Q1: How many vacancies are available for the Bank Of India credit officer 2026?
A: 514 Credit Officer posts.
Q2: What is the last date to apply for the Bank Of India credit officer 2026?
A: 05 January 2026.
Q3: Is banking experience mandatory?
A: Yes, as per scale-wise requirements.
Q4: What is the selection process?
A: Online test followed by interview.
Q5: What is the salary range of the Bank Of India credit officer 2026?
A: Rs. 64,820 to Rs. 1,20,940 per month.
Q6: Is there negative marking in the Bank Of India credit officer 2026?
A: Yes, 1/4th mark per wrong answer.
Q7: Can I apply for multiple scales?
A: No, only one post is allowed.
Q8: Is posting transferable in the Bank Of India credit officer 2026?
A: Yes, across India.
Q9: Is interview compulsory for the Bank Of India credit officer 2026?
A: Yes, if online exam is conducted.
Q10: Where can I apply?
A: www.bankofindia.bank.in
