The Bank of India, one of India’s leading public sector banks, has released the Bank of India Credit Officer Recruitment notification under Project 2025–26/01.
Through this recruitment drive, a total of 514 Credit Officer (General Banking Officer) vacancies have been announced across various categories and officer scales. This is a good opportunity for experienced banking and credit professionals who want to build a stable career in the public sector banking sector.
Table of Contents
Bank of India Credit Officer Notification 2025 Overview
| Particular | Details |
|---|---|
| Organization | Bank of India (BOI) |
| Post Name | Credit Officer (General Banking Officer – GBO) |
| Scale / Grade | MMGS-II, MMGS-III, SMGS-IV |
| Total Vacancies | 514 |
| Project Name | Recruitment Project 2025-26/01 |
| Notification Date | 01 November 2025 |
| Application Mode | Online |
| Job Location | All India (transferable) |
| Notification Release | 01 November 2025 |
Important Dates
| Event | Date |
|---|---|
| Online Application Start | 20 December 2025 |
| Last Date to Apply Online | 05 January 2026 |
| Online Exam Date | To be notified later |
Application Fee
| Category | Application Fee |
|---|---|
| Gen / OBC / EWS | ₹850/- |
| SC / ST / PWD | ₹175/- |
Payment Mode: Fee can be paid online through Credit Card, Debit Card, Net Banking, or offline via E-Challan.
Age Limit (As on 01 November 2025)
Post-wise Age Criteria
| Post / Scale | Minimum Age | Maximum Age |
|---|---|---|
| Credit Officer – MMGS-II | 25 Years | 35 Years |
| Credit Officer – MMGS-III | 28 Years | 38 Years |
| Credit Officer – SMGS-IV | 30 Years | 40 Years |
Upper Age Relaxation
| Category | Age Relaxation |
|---|---|
| SC / ST | 5 Years |
| OBC (Non-Creamy Layer) | 3 Years |
| PwBD | 10 Years |
| Ex-Servicemen / ECOs / SSCOs | 5 Years |
| Persons affected by the 1984 riots | 5 Years |
Note: Age relaxation is applicable as per the Government of India rules mentioned in the official notification.
Vacancy Details
| Post | Scale | SC | ST | OBC | EWS | GEN | Total |
|---|---|---|---|---|---|---|---|
| Credit Officer – GBO | SMGS-IV | 5 | 2 | 9 | 3 | 17 | 36 |
| Credit Officer – GBO | MMGS-III | 9 | 4 | 16 | 6 | 25 | 60 |
| Credit Officer – GBO | MMGS-II | 62 | 31 | 112 | 41 | 172 | 418 |
| Total | – | 76 | 37 | 137 | 50 | 214 | 514 |
Vacancies and reservations are provisional and may change as per bank requirements.
Eligibility Criteria
| Scale | Educational Qualification | Experience Requirement |
|---|---|---|
| MMGS-II (Credit Officer) | Graduation with 60% marks (55% for SC/ST/OBC/PwBD) AND any one: CA / CFA / CMA-ICWA OR 2-year full-time MBA / PGDBM / Master’s in Banking, Finance, Credit or related field | 3 years officer-level experience in Bank / FI, out of which 2 years in MSME / Commercial / Project / Credit handling |
| MMGS-III (Credit Officer) | Graduation with 60% marks (55% for SC/ST/OBC/PwBD) AND CA / CFA / CMA-ICWA OR 2-year full-time MBA / PGDBM / Master’s in Banking, Finance, Credit or related field | 5 years officer-level experience, including 3 years in MSME / Commercial / Project / Credit |
| SMGS-IV (Credit Officer) | Graduation with 60% marks (55% for SC/ST/OBC/PwBD) AND MBA / PGDBM / Master’s in Banking, Finance, Credit OR CA / CFA / CMA-ICWA | 8 years officer-level experience, including 5 years in MSME / Commercial / Project / Mid & Large Credit |
Note: Experience must be in Scheduled Commercial Banks, Scheduled PSBs, Scheduled Private Banks, or listed Financial Institutions. Desirable certifications like IIBF Credit / MSME may be preferred for senior scales.
Application Process
- Visit the Bank of India’s official website and go to the Career / Recruitment section
- Click on Credit Officer (GBO) Project 2025–26/01 apply online link
- Complete new registration using a valid mobile number and email ID
- Fill the application form with personal, educational, experience, and category details
- Upload required documents like photo, signature, certificates, and experience proof
- Pay the application fee online
- Submit the form and download the application printout for future reference
Important Links
| Link Type | URL |
|---|---|
| Apply Online | Click Here |
| Official Notification PDF | Download PDF |
| Official Website | Visit here |
Selection Process
Selection will be through Online Exam + Interview or only Interview, depending on the number of applications
- Online Exam (if conducted):
- Total: 150 questions | 150 marks | 120 minutes
- Sections: English (qualifying), Reasoning, Quantitative Aptitude, Professional Knowledge
- Minimum Marks: 35% (Gen/EWS), 30% (SC/ST/OBC/PwBD)
- Negative Marking: 1/4 mark for each wrong answer
- Interview:
- Total 100 marks
- Qualifying marks: 50% (Gen/EWS), 45% (SC/ST/OBC/PwBD)
- Final Merit:
- Online Exam 70% + Interview 30%
- Tie-breaker: higher exam marks, then older age
If the online exam is not held, the final selection will be based only on interview marks
Salary & Benefit Details
Bank of India offers an attractive salary structure to Credit Officers with 7th CPC-based pay scales plus DA, HRA, medical, LTC, NPS pension and other bank benefits.
| Post | Scale | Basic Pay Scale |
|---|---|---|
| Credit Officer – MMGS-II | Middle Management Grade Scale II | ₹64,820 – 2,340 (1) – 67,160 – 2,680 (10) – 93,960 |
| Credit Officer – MMGS-III | Middle Management Grade Scale III | ₹85,920 – 2,680 (5) – 99,320 – 2,980 (2) – 1,05,280 |
| Credit Officer – SMGS-IV | Senior Management Grade Scale IV | ₹1,02,300 – 2,980 (4) – 1,14,220 – 3,360 (2) – 1,20,940 |
Over and above basic pay, officers receive DA, HRA, CCA, medical benefits, leave benefits, NPS pension, LTC and other perquisites, making the total CTC very competitive among public sector banks.
FAQs: Bank of India Credit Officer Recruitment 2025
How many vacancies are there in the Bank of India Credit Officer Recruitment 2025?
There are 514 Credit Officer (GBO) vacancies in MMGS-II, MMGS-III and SMGS-IV scales combined under Recruitment Project 2025-26/01.
What is the exam pattern for the Bank of India Credit Officer?
The online exam, if conducted, has four sections – English Language, Reasoning, Quantitative Aptitude and Professional Knowledge – for a total of 150 marks with 120 minutes duration, and English is qualifying only.
Is work experience mandatory for Bank of India Credit Officer posts?
Yes, these are experienced officer posts; minimum post-qualification work experience in banking/credit/finance is mandatory as specified for each scale in Annexure I of the notification.
What is the salary of a Bank of India Credit Officer?
Basic pay starts from ₹64,820 in MMGS-II, ₹85,920 in MMGS-III and ₹1,02,300 in SMGS-IV, plus DA, HRA, medical, NPS, LTC and other allowances as per bank norms
conclusion
Overall, the Bank of India Credit Officer Recruitment offers a strong career opportunity for experienced banking and finance professionals looking to work in a reputed public sector bank. Candidates should carefully check the eligibility, selection process, and apply within the given timeline.
For candidates who are also interested in defence-related opportunities, you can explore the BSF Sports Quota Recruitment 2025 for sportspersons seeking a government job with a uniformed service and long-term stability.
