Bank of India has released an official notification for the recruitment of 514 Credit Officer Posts. Interested and eligible candidates can apply Online through the official Bank of India website. The last date to submit the application form is 05-01-2026. In this article, you’ll find the Bank of India Credit Officer Posts recruitment details, including eligibility criteria, age limit, salary structure, selection process, application steps, and direct links to the official notification and Online application form.
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Company Name Bank of India (BOI) Post Name Credit Officer No of Posts 514 Salary Rs. 64,820 - Rs. 120,940 Per Month Qualification Graduate with minimum 60% marks Age Limit 25 to 40 years Start Date for Apply 20/12/2025 Last Date for Apply 05/01/2026 Official Website www.bankofindia.bank.in
Scale Post Name Total SMGS-IV Credit Officer 36 MMGS-III Credit Officer 60 MMGS-II Credit Officer 418 Total Vacancies 514
Note: The number of vacancies and reserved vacancies is provisional and may vary according to the actual requirement of the Bank.
PWD Categories:
OC - Orthopedically Challenged VI - Visual Impairment HI - Hearing Impaired ID - Intellectual Disability
Educational Qualifications:
Graduate degree from a recognized University with minimum 60% marks Candidates belonging to reserved category (SC/ST/OBC/PWD) are entitled for relaxation of 5% marks (minimum 55% required) Where CGPA/OGPA is awarded, it should be converted into percentage The fraction of percentage will be ignored (59.99% treated as less than 60%)
Essential Qualifications (Scale-wise details as per Annexure-I):
Specific qualifications and experience requirements vary by scale (MMGS-II, MMGS-III, SMGS-IV) Candidates must refer to Annexure-I of the official notification for detailed scale-wise eligibility Relevant banking experience in credit operations required
Desirable:
Experience in credit assessment and credit operations in banking sector Knowledge of banking operations and regulations
Experience:
Candidates must possess requisite experience as mentioned in Annexure-I for respective scales Experience certificates must be submitted at the time of interview
MMGS-II Scale: Rs. 64,820 – 2,340 (1) – 67,160 – 2,680 (10) – 93,960 per month MMGS-III Scale: Rs. 85,920 – 2,680 (5) – 99,320 – 2,980 (2) – 105,280 per month SMGS-IV Scale: Rs. 102,300 – 2,980 (4) – 114,220 – 3,360 (2) – 120,940 per month Other allowances and perquisites as applicable to Bank officers All benefits as per Bank's service rules and regulations
Credit Officer MMGS-II: Minimum 25 years, Maximum 35 years Credit Officer MMGS-III: Minimum 28 years, Maximum 38 years Credit Officer SMGS-IV: Minimum 30 years, Maximum 40 years
Age Relaxation:
SC/ST Candidates: 5 years relaxation OBC Candidates (Non-creamy layer): 3 years relaxation Persons with Benchmark Disabilities: 10 years relaxation Ex-Servicemen: 5 years relaxation (subject to conditions) 1984 Riots Affected Persons: 5 years relaxation Age relaxation to SC/ST/OBC candidates is allowed on cumulative basis with only one of the remaining categories
Category Fee Amount SC/ST/PWD Candidates Rs. 175/- (Intimation charges only) General & Other Categories Rs. 850/- (Application fee + Intimation charges)
Application fee is inclusive of GST Bank transaction charges for online payment will be borne by the candidate Fee payment period: 20.12.2025 to 05.01.2026 Payment modes: Credit cards, Debit cards, Internet Banking, Cash Cards/Mobile Wallets, QR or UPI Fee once paid is non-refundable and non-transferable
Event Date Notification Date 01/11/2025 Relevant Date for Age and Qualification 01/11/2025 Online Application Start Date 20/12/2025 Last Date for Online Application 05/01/2026 Payment of Application Fee 20/12/2025 to 05/01/2026 Tentative Date of Online Examination Will be advised separately
Selection will be through online test and/or personal interview, depending on the number of applicants/eligible candidates Scrutiny of Eligibility Criteria: Applications will be shortlisted based on documents uploaded at registration Online Examination Structure: English Language: 25 questions, 25 marks (Qualifying nature only) Reasoning: 25 questions, 25 marks Quantitative Aptitude: 25 questions, 25 marks Professional Knowledge: 75 questions, 75 marks Total: 150 questions, 150 marks Composite time: 120 minutes Minimum Qualifying Marks (Online Test): 35% for General/EWS; 30% for SC/ST/OBC/PWD Penalty for Wrong Answers: 1/4th marks deduction for each wrong answer Personal Interview: Candidates will be called at 1:3 ratio to number of vacancies Maximum marks: 100 Minimum qualifying marks: 50% for General/EWS; 45% for SC/ST/OBC/PWD Final Selection (if both Online Test and Interview conducted): Weightage ratio: Online Examination 70%, Interview 30% Merit list based on combined marks in descending order If Online Examination not conducted: Final selection through personal interview only with 100 marks In case of equal marks, preference given based on online exam marks, then Date of Birth (senior in age)
Candidates ready to work anywhere in India should apply Candidates can apply for only one post; multiple applications will result in retention of latest valid application only Candidates must possess valid email ID and mobile number throughout the recruitment process Bank reserves the right to post/transfer officers anywhere in India Candidates who held similar posts in Bank of India previously are not eligible No change of category or any other details permitted after registration Candidates serving in Government/Public Sector must submit No Objection Certificate at interview Call letters will be available for download from official website; no hard copy sent by post Security Deposit Required: Officers in MMGS-II: Rs. 2,00,000/- Officers in MMGS-III & above: Rs. 3,00,000/- Refundable after 3 years of satisfactory service Medical fitness required for appointment as per Bank's requirements Bank reserves right to cancel/modify recruitment process at any stage All disputes subject to jurisdiction of Courts at Mumbai
Step 1: Visit Bank of India official website www.bankofindia.bank.in Step 2: Click on 'CAREER' section, then click on "Recruitment of Credit Officers in GBO Stream Project No. 2025-26/01 Notice dated 01.11.2025" Step 3: Click on 'APPLY ONLINE' button Step 4: Choose "Click here for New Registration" and enter Name, Contact details, and Email-id Step 5: Note down the Provisional Registration Number and Password generated by system Step 6: Complete the application form with all required details Step 7: Upload scanned documents as per specifications: Photograph (4.5cm × 3.5cm, 200x230 pixels, 20-50 KB, JPG format) Signature (140x60 pixels, 10-20 KB, JPG format) Left thumb impression (240x240 pixels, 20-50 KB, JPG format) Handwritten declaration in English (800x400 pixels, 50-100 KB, JPG format) Step 8: Upload relevant experience certificates and other required documents Step 9: Preview the complete application form before final submission Step 10: Click on 'COMPLETE REGISTRATION' after verification Step 11: Proceed to payment of application fee through online mode Step 12: Take printout of e-Receipt and online application form for future reference Candidates are advised to apply well before the closing date to avoid last-minute technical issues Only online applications through official website will be accepted
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1. What is the starting date to apply for BOI Credit Officer 2025?
Ans: Starting date to apply is 20/12/2025.
2. What is the last apply date for BOI Credit Officer 2025?
Ans: Last apply date is 05/01/2026.
3. What is the eligibility to apply for BOI Credit Officer 2025?
Ans: Graduate with minimum 60% marks and relevant banking experience as per scale requirements.
4. What is the maximum age limit to apply for BOI Credit Officer 2025?
Ans: Maximum age is 35 years for MMGS-II, 38 years for MMGS-III, and 40 years for SMGS-IV as on 01/11/2025.
5. How many vacancies are being recruited by BOI Credit Officer 2025?
Ans: Total 514 vacancies (MMGS-II: 418, MMGS-III: 60, SMGS-IV: 36).
6. What is the application fee for BOI Credit Officer Recruitment 2025?
Ans: Rs. 175/- for SC/ST/PWD candidates and Rs. 850/- for General and other category candidates.
7. What is the selection process for BOI Credit Officer 2025?
Ans: Selection through online examination and personal interview with weightage ratio of 70:30 respectively.
8. What is the salary for BOI Credit Officer posts?
Ans: Salary ranges from Rs. 64,820 to Rs. 120,940 per month depending on the scale (MMGS-II/III/SMGS-IV) plus allowances.
9. Is there any security deposit required for BOI Credit Officer posts?
Ans: Yes, Rs. 2,00,000/- for MMGS-II and Rs. 3,00,000/- for MMGS-III & above, refundable after 3 years of satisfactory service.
10. Can I apply for multiple scales/posts in BOI Credit Officer Recruitment 2025?
Ans: No, candidates can apply for only one post. In case of multiple applications, only the latest valid application will be retained.
