Bank of India Credit Officer 2026 Apply Online
Bank of India has released the official notification for the Bank of India Credit Officer 2026 recruitment. inviting applications for a total of 514 vacancies. These positions are for the General Banking Officer (GBO) / Credit Officer cadre across MMGS-II, MMGS-III, and SMGS-IV scales. Interested and eligible candidates can submit their applications online from 20 December 2025 to 05 January 2026. This article provides comprehensive details on the selection, essential dates, age limit, and more for the Bank of India Credit Officer 2026.
| Particular | Detail |
|---|---|
| Organization | Bank of India (BOI) |
| Post Name | Credit Officer |
| Advertisement No. | Project No. 2025-26/01 Notice dated 01.11.2025 |
| Total Posts | 514 |
| Salary Range | Rs. 64,820 – Rs. 120,940 Per Month (as per scale) |
| Qualification | Graduate with minimum 60% marks and relevant experience |
| Age Limit | 25 to 40 years (as per scale) |
| Application Mode | Online |
| Official Website | bankofindia.bank.in |
Bank of India Recruitment 2026 Important Dates
| Advertisement Event | Date |
|---|---|
| Notification Date | 01 November 2025 |
| Relevant Date for Age and Qualification | 01 November 2025 |
| Start Date to Apply Online | 20 December 2025 |
| Last Date to Apply Online | 05 January 2026 |
| Payment of required application fee Date | 20 December 2025 to 05 January 2026 |
| Tentative Date of Online exam | Will be advised separately |
Vacancy Details for Bank of India Credit Officer 2026
The vacancy distribution for this recruitment is as follows:
| Scale | Post Name | Total |
|---|---|---|
| SMGS-IV | Credit Officer (क्रेडिट ऑफिसर) | 36 |
| MMGS-III | Credit Officer (क्रेडिट ऑफिसर) | 60 |
| MMGS-II | Credit Officer (क्रेडिट ऑफिसर) | 418 |
| Total Vacancies | 514 |
Total Posts: 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.
Bank of India Vacancy 2026 qualification Criteria
| Criterion | Details |
|---|---|
| Educational Qualifications | Graduate degree from a recognized University with minimum 60% marks. Reserved category candidates (SC/ST/OBC/PWD) are entitled to a relaxation of 5% marks (minimum 55% required). Where CGPA/OGPA is awarded, it should be converted into a percentage. A fraction of a percentage will be ignored (e. G., 59.99% treated as less than 60%). |
| Essential Qualifications | Specific qualifications and experience requirements vary by scale (MMGS-II. MMGS-III, SMGS-IV). You must refer to Annexure-I of the official notification for detailed scale-wise qualification. Relevant banking experience in credit operations is required. |
| Desirable Qualifications | Experience in credit assessment and credit operations in the banking sector. Knowledge of banking operations and regulations. |
| Experience | You must possess requisite experience as mentioned in Annexure-I for respective scales. Experience certificates must be submitted at the time of interview. |
Pay Scale and Benefits for Bank of India Jobs 2026
| Scale | Salary/Stipend per month |
|---|---|
| MMGS-II Scale | Rs. 64,820 – 2,340 (1) – 67,160 – 2,680 (10) – 93,960 |
| MMGS-III Scale | Rs. 85,920 – 2,680 (5) – 99,320 – 2,980 (2) – 105,280 |
| SMGS-IV Scale | Rs. 102,300 – 2,980 (4) – 114,220 – 3,360 (2) – 120,940 |
| Other Benefits | Other allowances and perquisites as applicable to Bank officers, and all benefits as per Bank’s service rules and regulations. |
Bank of India Credit Officer 2026 Age Limit
| Post/Category | Minimum Age (as on 01 November 2025) | Maximum Age (as on 01 November 2025) |
|---|---|---|
| Credit Officer MMGS-II | 25 years | 35 years |
| Credit Officer MMGS-III | 28 years | 38 years |
| Credit Officer SMGS-IV | 30 years | 40 years |
| 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 for SC/ST/OBC candidates is allowed on a cumulative basis with only one of the remaining categories.
required application fee for Bank of India Online Form 2026
| Category | Fee Amount |
|---|---|
| SC/ST/PWD Candidates | Rs. 175/- (Intimation charges only) |
| General & Other Categories | Rs. 850/- (required application fee + Intimation charges) |
The required application fee is inclusive of GST. Bank transaction charges for online payment will be borne by the candidate. The fee payment period is from 20 December 2025 to 05 January 2026. Payment modes include Credit cards, Debit cards, Internet Banking, Cash Cards/Mobile Wallets, QR or UPI. The fee once paid is non-refundable and non-transferable.
selection for Bank of India Credit Officer 2026
The selection for the Bank of India Credit Officer posts will be through an online test and/or personal interview, depending on the number of applicants/eligible candidates.
- Scrutiny of qualification Criteria: Applications will be shortlisted based on documents uploaded during registration.
- Online exam Structure:
Subject Questions Marks English Language 25 25 (Qualifying nature only) Reasoning 25 25 Quantitative Aptitude 25 25 Professional Knowledge 75 75 Total 150 150
The composite time for the online exam will be 120 minutes. Minimum Qualifying Marks for the Online Test are 35% for General/EWS and 30% for SC/ST/OBC/PWD. A penalty of 1/4th marks deduction will be applied for each wrong answer.
- Personal Interview: Candidates will be called at a 1:3 ratio to the number of vacancies. The maximum marks for the interview are 100. Minimum qualifying marks are 50% for General/EWS and 45% for SC/ST/OBC/PWD.
- Final Selection: If both an online test and interview are conducted, the weightage ratio will be 70% for the Online exam and 30% for the Interview. The merit list will be based on combined marks in descending order. If the online exam isn’t conducted, the final selection will be through a personal interview only, with 100 marks. In case of equal marks, preference will be given based on online exam marks, then Date of Birth (senior in age).
General Information and Security Deposit
- You must be ready to work anywhere in India.
- Applicants can apply for only one post; multiple applications will result in the retention of the latest valid application only.
- You must possess a valid email ID and mobile number throughout the recruitment process.
- The Bank reserves the right to post/transfer officers anywhere in India.
- Candidates who have held similar posts in Bank of India previously aren’t eligible.
- No change of category or any other details is permitted after registration.
- Candidates serving in Government/Public Sector must submit a No Objection Certificate at the interview.
- Call letters will be provided for download from the official website; no hard copy will be sent by post.
- Security Deposit Required:
Officer Scale Deposit Amount Officers in MMGS-II Rs. 2,00,000/- Officers in MMGS-III & above Rs. 3,00,000/- This deposit is refundable after 3 years of satisfactory service.
- Medical fitness is required for appointment as per the Bank’s requirements.
- The Bank reserves the right to cancel/modify the recruitment process at any stage.
- All disputes are subject to the jurisdiction of Courts at Mumbai.
Step-by-Step Process to Apply for Bank of India Credit Officer 2026
- Visit the Bank of India official website at bankofindia. Bank. In.
- Click on the ‘CAREER’ section, then select “Recruitment of Credit Officers in GBO Stream Project No. 2025-26/01 Notice dated 01.11.2025”.
- Click on the ‘APPLY ONLINE’ button for the Bank of India Credit Officer 2026.
- Choose “Click here for New Registration” and enter your Name, Contact details – and Email-id.
- Note down the Provisional Registration Number and Password generated by the system.
- Complete the application form with all required details.
- Upload scanned documents as per specifications:
- Photograph (4.5cm × 3.5cm, 200×230 pixels, 20-50 KB, JPG format)
- Signature (140×60 pixels, 10-20 KB, JPG format)
- Left thumb impression (240×240 pixels, 20-50 KB, JPG format)
- Handwritten declaration in English (800×400 pixels, 50-100 KB, JPG format)
- Upload relevant experience certificates and other required documents.
- Preview the complete application form before final submission.
- Click on ‘COMPLETE REGISTRATION’ after verification.
- Proceed to payment of the required application fee through online mode.
- Take a printout of the e-Receipt and online application form for future reference.
Candidates are advised to apply well before the closing date to avoid any last-minute technical issues. Only online applications through the official website will be accepted.
Important Links for Bank of India Credit Officer 2026
| Link Description | Link |
|---|---|
| Apply Online | Click Here |
| Official Notification PDF | Click Here |
| official website | Click Here |
Conclusion
The Bank of India Credit Officer 2026 recruitment presents a great opportunity for eligible candidates looking to join a leading public sector bank. Please note that with 514 Credit Officer positions available across various scales, prospective applicants are encouraged to review the detailed official notification carefully and submit their online applications before the deadline of 05 January 2026. For further details and to apply, please visit the official Bank of India website at bankofindia. Bank. In.
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