The Bank of India Credit Officer Recruitment 2026 notification has been officially released with 514 vacancies under the General Banking Officer (GBO) stream. Eligible candidates can apply online for Credit Officer posts across various management scales — Middle Management Grade Scale-II (MMGS-II), Middle Management Grade Scale-III (MMGS-III), and Senior Management Grade Scale-IV (SMGS-IV). This recruitment drive offers a great opportunity for experienced banking professionals seeking career growth in credit appraisal, risk management, and related functions.
What is Bank of India Credit Officer Recruitment?
Bank of India (BOI) conducts Credit Officer recruitment to source skilled professionals who can manage credit operations, lending processes, and portfolio risk functions. These roles are part of the bank’s mid- to senior-level management requirements, and candidates with relevant experience and qualifications are invited to apply.
Bank of India Credit Officer Recruitment 2026 – Important Dates
Candidates must carefully follow the official timeline to apply on time.
| Event | Date |
|---|---|
| Official Notification Release | 17 December 2025 |
| Online Application Start Date | 20 December 2025 |
| Online Application Last Date | 05 January 2026 |
| Fee Payment Last Date | 05 January 2026 |
| Admit Card Release | To be announced |
| Examination Date | To be announced |
| Result Declaration | To be announced |
The notification and application details are posted on the official Bank of India career portal.
Vacancy Details – Bank of India Credit Officer
A total of 514 vacancies have been announced for Credit Officer posts across three graded scales:
| Scale | Vacancies |
|---|---|
| Senior Management Grade Scale-IV (SMGS-IV) | 36 |
| Middle Management Grade Scale-III (MMGS-III) | 60 |
| Middle Management Grade Scale-II (MMGS-II) | 418 |
| Total | 514 |
The vacancies are distributed across the three scales with category reservations as applicable.
Eligibility Criteria for Bank of India Credit Officer
Educational Qualification
Candidates applying must possess the following minimum qualifications:
- Graduation in any discipline with at least 60% marks (55% for reserved categories).
- Preferred qualifications include CA / CFA / CMA / ICWA or MBA / PGDBM / PGDM in Banking, Finance, or related fields.
- Post-qualification experience is required and varies by scale:
- MMGS-II: Minimum 3 years as an officer with at least 2 years in credit/finance roles.
- MMGS-III: Minimum 5 years total experience with credit exposure.
- SMGS-IV: Typically 8+ years relevant experience.
Age Limit (as on 01 November 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 applies as per Government of India norms for reserved categories.
Application Fee
Candidates must pay the following application fees online during the submission process:
| Candidate Category | Fee |
|---|---|
| General / OBC / EWS | ₹850 (Application + Intimation) |
| SC / ST / PwBD | ₹175 (Intimation Charges only) |
Fees once paid are non-refundable.
Selection Process
The selection of candidates for Credit Officer posts typically includes:
- Online Examination
- Personal Interview / Group Discussion (depending on number of applicants)
- Document Verification
- Final Merit List
The final selection stages depend on the number of eligible applications received.
Exam Pattern
The online exam generally consists of objective questions covering:
| Section | Questions | Marks |
|---|---|---|
| English Language | 25 | 25 |
| Reasoning | 25 | 25 |
| Quantitative Aptitude | 25 | 25 |
| Professional Knowledge | 75 | 75 |
| Total | 150 | 150 |
Total duration is usually 120 minutes, with composite timing for all sections.
Salary Structure
Selected candidates will receive an attractive salary and allowances as per Bank of India pay scales:
| Scale | Pay Scale (Approximate) |
|---|---|
| MMGS-II | ₹64,820 – ₹93,960 |
| MMGS-III | ₹85,920 – ₹1,05,280 |
| SMGS-IV | ₹1,02,300 – ₹1,20,940 |
In addition to salary, benefits include DA, HRA, medical perks, pension benefits, and other allowances.
How to Apply Online for Bank of India Credit Officer 2026
Candidates should apply online through the official Bank of India career portal before the deadline. General application steps include:
- Visit the official Bank of India website: bankofindia.bank.in
- Navigate to the Careers / Recruitment section
- Select Credit Officer Recruitment 2026
- Complete the registration with valid details
- Fill out the online application form
- Upload required documents
- Pay the application fee online
- Submit and download the confirmation
Ensure all information is correct before final submission.
Important Documents to Keep Ready
Applicants should have the following documents ready for upload and verification:
- Graduation certificate and mark sheets
- Professional qualification certificates (if applicable)
- Experience certificates
- Identity proof (Aadhaar / PAN / Passport / Voter ID)
- Caste / category certificates (if applicable)
- Photograph and signature
Conclusion
The Bank of India Credit Officer Recruitment 2026 is a significant opportunity for experienced banking professionals to secure a managerial role in credit and finance operations. With 514 vacancies across multiple scales and attractive pay scales, this recruitment drive is ideal for candidates looking for stable and rewarding careers in the banking sector. Eligible candidates should apply between 20 December 2025 and 05 January 2026 and prepare for the selection stages accordingly.