Bank of India Credit Officer Recruitment 2025-26: 514 posts

Bank of India latest Credit Officer Recruitment 2025-26 notification with 514 vacancies. Get details on eligibility, important dates, pay scale

Bank of India Credit Officer Recruitment 2025-26

Bank of India (BOI), a leading Public Sector Bank headquartered in Mumbai, has announced recruitment for Credit Officers in the General Banking Officer (GBO) stream under Project No. 2025-26/01. This recruitment drive offers opportunities across MMGS-II, MMGS-III, and SMGS-IV scales.

📅 Important Dates

Start of Online Application: 20 December 2025
Last Date to Apply: 5 January 2026
Eligibility Reference Date (Age & Qualification): 1 November 2025
Tentative Online Exam Date: To be notified separately

📝 Vacancy Details

Total Vacancies: 514
Breakdown:

SMGS-IV: 36 posts (Age: 30–40 years)
MMGS-III: 60 posts (Age: 28–38 years)
MMGS-II: 418 posts (Age: 25–35 years)

Reservations apply for SC, ST, OBC, EWS, and PwBD categories as per Government of India norms.

💰 Pay Scale

MMGS-II: ₹64,820 – ₹93,960
MMGS-III: ₹85,920 – ₹1,05,280
SMGS-IV: ₹1,02,300 – ₹1,20,940

Other allowances and perquisites will be provided as per BOI rules.

🎓 Eligibility Criteria

Nationality

Candidates must be:

Citizens of India, or
Subjects of Nepal/Bhutan, or
Tibetan refugees (arrived before 1 Jan 1962), or
Persons of Indian origin migrated from specified countries with eligibility certificate.

Educational Qualification & Experience

MMGS-II (418 posts):

Graduation in any discipline with 60% marks (55% for SC/ST/OBC/PwBD).
Preferred: CA/CFA/CMA or MBA/PGDBM in Banking/Finance.
Experience: Minimum 3 years as an officer, with 2 years in MSME/Commercial/Project/Mid & Large Credit.

MMGS-III (60 posts):

Graduation with 60% marks (55% for SC/ST/OBC/PwBD).
Preferred: CA/CFA/CMA or MBA/PGDBM in Banking/Finance.
Experience: Minimum 5 years as an officer, with 3 years in MSME/Commercial/Project/Mid & Large Credit.

SMGS-IV (36 posts):

Graduation with 60% marks (55% for SC/ST/OBC/PwBD) AND MBA/PGDBM.
Preferred: IIBF Certificate in Trade Finance/Credit/MSME or CA/CFA/CMA.
Experience: Minimum 8 years as an officer, with 5 years in MSME/Commercial/Project/Mid & Large Credit.

⏳ Age Relaxation

SC/ST: 5 years
OBC (Non-creamy layer): 3 years
PwBD: 10 years
Ex-Servicemen: 5 years
Persons affected by 1984 riots: 5 years

📊 Selection Process

Online Examination (150 marks, 120 minutes)

English Language – 25 Qs (Qualifying only)
Reasoning – 25 Qs
Quantitative Aptitude – 25 Qs
Professional Knowledge – 75 Qs
Qualifying Marks: 35% (General/EWS), 30% (SC/ST/OBC/PwBD)
Negative marking: 0.25 per wrong answer

Interview

Candidates shortlisted in online exam will be called in 1:3 ratio to vacancies.
Final merit list prepared based on exam + interview.

📌 Key Notes

Candidates can apply for only one post.
Applications without proper documents will be rejected.
Posting/transfer can be anywhere in India.
Reserved category candidates get 5% relaxation in marks (where 60% required).
CGPA/OGPA must be converted to percentage.

🌐 How to Apply

Apply online via Bank of India official website: www.bankofindia.bank.in
Upload required documents at registration.
Ensure eligibility before applying.

✅ Final Thoughts

This recruitment offers a strong career path in one of India’s premier public sector banks. With clear eligibility, structured pay scales, and nationwide postings, it is a great opportunity for experienced banking professionals.

📢 Tip for Aspirants: Focus on Professional Knowledge section in the exam, as it carries maximum weightage. Prepare thoroughly in MSME, project finance, and credit appraisal areas.

❓ Frequently Asked Questions (FAQ)

Q1: What is the last date to apply for the Bank of India Credit Officer recruitment 2025-26?

A: The last date to apply online is 5 January 2026.

Q2: What are the educational qualifications required for MMGS-II posts?

A: Graduation in any discipline with 60% marks (55% for reserved categories). Preferred qualifications include CA/CFA/CMA or MBA/PGDBM in Banking/Finance.

Q3: Is there any age relaxation for reserved categories?

A: Yes, age relaxation is applicable as per government norms: 5 years for SC/ST, 3 years for OBC (Non-creamy layer), 10 years for PwBD, and others as specified.

Q4: What is the selection process for this recruitment?

A: The selection process includes an online examination followed by an interview for shortlisted candidates.

Q5: Can I apply for more than one post?

A: No, candidates can apply for only one post.

Q6: Where can I apply online?

A: Applications must be submitted through the Bank of India official website: www.bankofindia.bank.in.

Q7: What is the pay scale for MMGS-III posts?

A: The pay scale for MMGS-III is ₹85,920 – ₹1,05,280 along with other allowances.

Q8: How many vacancies are there in total?

A: There are a total of 514 vacancies across MMGS-II, MMGS-III, and SMGS-IV scales.

Q9: Is experience mandatory for all posts?

A: Yes, relevant experience as specified is mandatory for each post.