Bank of India Credti officer recruitment 2025-26 - Apply online vacancy 514

 

Bank of India Credit Officer Recruitment 2025 Notification Out for 514 Officer Posts

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 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
Apply Online Starts	20.12.2025
Last Date to Apply Online	05.01.2026
Last Date to Pay Application Fee	05.01.2026

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.

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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

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

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 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.

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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.

Application Fee

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.

Bank job portal

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
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).
Allowances & Benefits	Dearness Allowance, HRA or Lease Rent, Medical Facilities, LTC, Leave benefits, Contributory Pension (NPS), etc.

 

How to Apply

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.

1.      Visit the official website www.bankofindia.bank.in.

2.     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”.

3.     Click on “APPLY ONLINE” to open the online application form.

4.     Click on “Click here for New Registration” and register by entering basic details to get your provisional registration number and password via email/SMS.

5.     Login with registration number and password, fill in personal details, educational qualifications, experience and category details carefully.

6.     Upload scanned copies of photograph, signature, left thumb impression, handwritten declaration and required experience/eligibility documents as per specifications given in the notification.

7.     Preview the application, verify all details and click on “Complete Registration” only after ensuring correctness of all entries.

8.     Proceed to the “Payment” tab and pay the requisite application fee/intimation charges through online mode.

9.     On successful transaction, generate and save the e-receipt and final submitted application form.

10. 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