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Bank of India Credit Officer Recruitment 2026, 514 Vacancies, Apply Online, Last Date- 5 January 2026
Bank of India (Head Office: Mumbai) invites applications for Credit Officers in the General Banking Officer (GBO) stream across MMGS-II, MMGS-III and SMGS-IV scales under Project No. 2025-26/01, Notice dated 01.11.2025.
This recruitment notification outlines essential details for candidates seeking government and public sector opportunities. It highlights the hiring organization, available posts, eligibility requirements, age limits, salary structure, important dates, application fees, and the step-by-step process to apply online. The information is presented in a concise, mobile-friendly format designed for clarity, compliance, and discoverability. Applicants should read the detailed notification, verify category relaxations, prepare documents, and submit the form before the deadline. Keeping your email and mobile number active ensures timely updates on exam schedules and interview call letters. Review the selection procedure carefully to plan your preparation and documentation thoroughly.
Job overview - Bank of India Credit Officer Recruitment 2026
| Advertisement no. | Rectt/02/2025 |
|---|---|
| Posts | Credit Officer (GBO Stream) |
| Total vacancies | 514 |
| Scales | MMGS-II, MMGS-III, SMGS-IV |
| Hiring organisation | Bank of India, Star House, Plot C-5, “G” Block, BKC, Bandra (E), Mumbai 400051, Maharashtra, India |
| Application window | 20.12.2025 to 05.01.2026 |
Important dates - Bank of India Credit Officer Recruitment 2026
| Event | Date / time |
|---|---|
| Online application start | 20 December 2025 |
| Last date to apply online | 05 January 2026 |
| Relevant date for age & qualification | 01 November 2025 |
| Tentative date of online examination | Will be advised separately |
Vacancy details - Bank of India Credit Officer Recruitment 2026
| Post | Scale | Vacancies |
|---|---|---|
| Credit Officer | SMGS-IV | 36 |
| Credit Officer | MMGS-III | 60 |
| Credit Officer | MMGS-II | 418 |
| Total | — | 514 |
Age limit - Bank of India Credit Officer Recruitment 2026
| Scale | Age (as on 01.11.2025) |
|---|---|
| MMGS-II | 25–35 years |
| MMGS-III | 28–38 years |
| SMGS-IV | 30–40 years |
Salary structure - Bank of India Credit Officer Recruitment 2026
| Scale / grade | 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 |
Eligibility criteria - Bank of India Credit Officer Recruitment 2026
| Scale | Education | Preferred qualification | Experience |
|---|---|---|---|
| MMGS-II | Graduation with 60% (55% for SC/ST/OBC/PwBD) | CA/CFA/CMA-ICWA OR MBA/PGDBM/PG in Banking/Finance (2 yrs full-time) | Min 3 yrs officer; 2 yrs in MSME/Commercial/Project/Mid & Large Credit |
| MMGS-III | Graduation with 60% (55% for SC/ST/OBC/PwBD) | CA/CFA/CMA-ICWA OR MBA/PGDBM/PG in Banking/Finance (2 yrs full-time) | Min 5 yrs officer; 3 yrs in MSME/Commercial/Project/Mid & Large Credit |
| SMGS-IV | Graduation 60% + MBA/PGDBM OR 2-yr Master’s OR CA/CFA/CMA-ICWA | IIBF Certificate in Trade Finance/Credit Professional/MSME (acceptable) | Min 8 yrs officer; 5 yrs in MSME/Commercial/Project/Mid & Large Credit |
Category-wise breakdown - Bank of India Credit Officer Recruitment 2026
| GEN (UR) | OBC (NCL) | SC/ST | EWS | Total |
|---|---|---|---|---|
| 214 | 137 | 113 (SC: 76, ST: 37) | 50 | 514 |
Application fee - Bank of India Credit Officer Recruitment 2026
| Category | Amount (₹, inclusive of GST) |
|---|---|
| SC/ST/PWD | 175 (intimation charges only) |
| General & Others | 850 (application + intimation) |
How to apply - Bank of India Credit Officer Recruitment 2026
| Step | Action |
|---|---|
| 1 | Visit BOI Careers and select “Recruitment of Credit Officers in GBO Stream Project No. 2025-26/01”. |
| 2 | Register to get Provisional Registration Number and Password; fill in details accurately. |
| 3 | Upload photo, signature, left thumb impression, and handwritten declaration per specs. |
| 4 | Upload relevant experience and certificates; preview and complete registration. |
| 5 | Pay fees online via cards, net banking, wallets, QR/UPI; generate and save e-Receipt. |
| 6 | Print the application for future reference; no hard copy submission is required at this stage. |
Essential links - Bank of India Credit Officer Recruitment 2026
| Link | Description |
|---|---|
| Detailed Notification (Project No. 2025-26/01) | Official notice with vacancies, pay scales, eligibility, selection process, and instructions. |
| Eligibility Criteria – Annexure I | Scale-wise educational qualifications, preferred certifications, and experience requirements. |
| Apply Online – BOI Careers (from 20 Dec 2025) | Online registration, application form, fee payment gateway, and call letter downloads. |
Documents required - Bank of India Credit Officer Recruitment 2026
| Document | Notes |
|---|---|
| Photo ID & DOB proof | PAN/Passport/Driving Licence/Voter ID/Bank Passbook with photo; SSLC/X certificate for DOB. |
| Educational certificates | Mark sheets & degree results declared on/before 01.11.2025. |
| Experience certificates | Role-wise experience as officer with credit processing details. |
| Category certificates | SC/ST/OBC(NCL)/EWS/PwBD in prescribed Government formats. |
| NOC (if applicable) | For Govt/PSU/Bank employees; mandatory at interview. |
| Scribe/Disability docs | As per RPwD Act guidelines and prescribed appendices. |
Exam pattern - Bank of India Credit Officer Recruitment 2026
| Test | Questions | Marks | Duration |
|---|---|---|---|
| English Language (qualifying) | 25 | 25 | Composite 120 minutes |
| Reasoning | 25 | 25 | |
| Quantitative Aptitude | 25 | 25 | |
| Professional Knowledge (post-relevant) | 75 | 75 | |
| Total | 150 | 150 |
Selection procedure - Bank of India Credit Officer Recruitment 2026
| Stage | Details |
|---|---|
| Scrutiny | Shortlisting based on uploaded eligibility documents in registration. |
| Online exam (if conducted) | Minimum qualifying marks: 35% (GEN/EWS); 5% relaxation for SC/ST/OBC/PwBD. Negative marking: 0.25 per wrong answer. |
| Interview | Total 100 marks; minimum 50% for GEN/EWS and 45% for SC/ST/OBC/PwBD. If both exam and interview held, final weightage 70:30. |
| Tie-breakers | By online exam marks; if equal, by date of birth (older higher). |
| Call letters | Download from BOI website using Registration No. and Password/DoB. |
Job location - Bank of India Credit Officer Recruitment 2026
| Organisation | Address |
|---|---|
| Bank of India | Star House, Plot C-5, “G” Block, Bandra – Kurla Complex, Bandra (East), Mumbai 400051, Maharashtra, India |
Frequently Asked Questions (FAQs)
1. What is the recruitment about?
This recruitment is for Credit Officers in the General Banking Officer (GBO) stream.
2. How many vacancies are available?
A total of 514 vacancies are announced across different scales.
3. What are the scales of posts?
Posts are in MMGS-II, MMGS-III, and SMGS-IV scales.
4. What is the application start date?
Online applications commence from 20 December 2025.
5. What is the last date to apply?
The last date for submission of online applications is 5 January 2026.
6. What is the age limit?
Age limits vary: 25–35 years for MMGS-II, 28–38 years for MMGS-III, and 30–40 years for SMGS-IV.
7. What is the salary structure?
Salaries range from ₹64,820 to ₹1,20,940 per month depending on the scale.
8. What are the educational qualifications required?
Graduation with minimum 60% marks (55% for reserved categories) plus preferred qualifications like CA, CFA, CMA, MBA, or PGDBM.
9. Is work experience mandatory?
Yes, scale-wise post-qualification officer experience is required in credit processing and related domains.
10. What is the selection process?
Selection will be through online examination and/or personal interview depending on applications received.
11. What is the exam pattern?
The exam includes English Language, Reasoning, Quantitative Aptitude, and Professional Knowledge relevant to the post.
12. Where can I apply online?
Candidates can apply online through the official Bank of India careers portal.