Apply for Bank of India 514 Credit Officer Recruitment 2026. Check Eligibility, Salary up to ₹1.2 Lakh, Exam Date & Download Notification PDF here.
Bank of India Recruitment 2026 – 514 Credit Officer Vacancy | Apply Online, Notification PDF & Exam Date
Permanent Govt Bank Job Alert! The Bank of India (BOI) has released a major recruitment notification for 514 Credit Officer positions in the General Banking Officer (GBO) stream. This is a prestigious opportunity for experienced professionals to join one of India's leading Public Sector Banks in Middle and Senior Management roles. Read full eligibility criteria below before applying.
Recruitment Overview
| Organization Name | Bank of India (BOI) |
| Post Name | Credit Officer (Scale II, III, & IV) |
| Total Vacancies | 514 posts |
| Job Location | Anywhere in India |
| Application Mode | Online |
| Category | Govt Bank Jobs |
| Official Website |
Important Dates
- Notification Release Date: December 17, 2025
- Application Start Date: December 20, 2025
- Last Date to Apply: January 05, 2026
- Admit Card Release Date: To be notified
- Exam Date: To be announced separately
Application Fee
| Category | Fees (Including Intimation Charges) |
| General / OBC / EWS | ₹850 |
| SC / ST / PwD | ₹175 |
| Payment Mode | Online (Net Banking/Credit Card/UPI) |
Vacancy Details & Reservation Policy
The 514 vacancies are distributed across three management scales:
| Post / Scale | UR | OBC | SC | ST | EWS | Total |
| Credit Officer (MMGS-II) | 172 | 112 | 62 | 31 | 41 | 418 |
| Credit Officer (MMGS-III) | 25 | 16 | 9 | 4 | 6 | 60 |
| Credit Officer (SMGS-IV) | 17 | 9 | 5 | 2 | 3 | 36 |
Reservation Policy:
- PwBD Reservation: 20 vacancies are reserved for Persons with Benchmark Disabilities (VI, HI, OC, ID).
- Vertical Reservation: Applicable for SC/ST/OBC/EWS as per Government of India guidelines.
- Age Relaxation: SC/ST (+5 years), OBC-NCL (+3 years), PwBD (+10 years).
Eligibility Criteria
Educational Qualification
- Graduation: Degree in any discipline with minimum 60% marks (55% for SC/ST/OBC/PwBD).
- Preferred Professional Qualifications: CA / CFA / ICWA / MBA / PGDBM (Finance/Banking) or 2-year full-time PG in a credit-related field.
Experience (As of 01.11.2025)
- Scale II: Min 3 years as an officer (with 2 years in MSME/Corporate Credit).
- Scale III: Min 5 years as an officer (with 3 years in credit-related roles).
- Scale IV: Min 8 years as an officer (with 5 years in credit processing/MSME).
Age Limit (As of 01.11.2025)
- MMGS-II: 25 – 35 Years
- MMGS-III: 28 – 38 Years
- SMGS-IV: 30 – 40 Years
Selection Process & Exam Pattern
The selection involves a two-stage process: Online Examination and Personal Interview.
Exam Pattern / Syllabus Overview
- Total Marks: 150
- Total Duration: 120 Minutes (Composite Time)
- Negative Marking: 0.25 marks deducted for each wrong answer.
| Subject | Questions | Marks |
| English Language (Qualifying Only) | 25 | 25 |
| Reasoning | 25 | 25 |
| Quantitative Aptitude | 25 | 25 |
| Professional Knowledge (Credit) | 75 | 75 |
Salary Structure & Benefits
Bank of India offers a highly lucrative pay structure and job security:
- MMGS-II: ₹64,820 – ₹93,960
- MMGS-III: ₹85,920 – ₹1,05,280
- SMGS-IV: ₹1,02,300 – ₹1,20,940
- Estimated In-Hand Salary: Up to ₹1.5 Lakh per month including HRA, DA, and Special Allowances for senior roles.
Preparation Tips for Bank of India Exam
- Professional Knowledge is Key: 50% of the marks are from your professional domain. Focus heavily on MSME lending, Balance Sheet analysis, and RBI credit guidelines.
- Master the English Cutoff: Although English is qualifying, you must clear the minimum marks to have your other papers evaluated.
- Current Banking Affairs: Stay updated with the last 6 months of RBI circulars and financial news.
How to Apply Online for BOI Recruitment?
- Visit the official BOI website: www.bankofindia.co.in.
- Navigate to the "Career" section and click on "Recruitment of Credit Officers GBO Stream."
- Click on "Click here for New Registration" and enter your basic details.
- Login with your Registration Number and Password to fill the application form.
- Upload Documents: Scanned photo, signature, left thumb impression, and handwritten declaration.
- Pay the Application Fee online and click on "Submit."
- Print Application Form for your records.
Important Links
| Item | Direct Link |
| Apply Online Link | |
| Download Official Notification PDF | |
| Official Website |
FAQs regarding Bank of India Recruitment 2026
1. What is the last date to apply?
The last date for online registration and fee payment is January 05, 2026.
2. Is there a bond/security deposit?
Yes, selected candidates must deposit a security amount (₹2 Lakh for Scale II, ₹3 Lakh for Scale III/IV), refundable after 3 years of service.
3. Can final year students apply?
No, candidates must have their final degree and required experience as of November 1, 2025.
4. What is the selection ratio for the interview?
Candidates are generally called for the interview in a ratio of 1:3 based on online exam marks.
5. Is the English section marks added to the final merit?
No, the English section is qualifying in nature. Merit is prepared based on Reasoning, Quant, and Professional Knowledge.
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