Bank of India has invited online applications for 779 Credit Officer vacancies under Project No. 2026-27/01. The Bank of India Credit Officer Recruitment 2026 covers posts in MMGS-II, MMGS-III, and SMGS-IV (GBO Stream), with the application window remaining open until 20 July 2026.
Candidates can find complete details here, including the official notification, vacancy breakup, eligibility, salary, exam pattern, selection process, application fee, important dates, and the online application procedure.
Bank of India Credit Officer Recruitment 2026 Notification Out
Eligible candidates can apply online for the Bank of India Credit Officer Recruitment 2026 through the official website until 20 July 2026. The selection process includes an Online Examination followed by a Personal Interview, or an interview only, depending on the number of applications received.
Before applying, candidates should review the eligibility criteria, vacancy details, salary, exam pattern, selection process, and application procedure.
Bank of India Credit Officer Notification 2026: Highlights
| Particular | Details |
| Organization | Bank of India |
| Recruitment |
Credit Officer Recruitment 2026 |
| Project No. | 2026-27/01 |
| Post |
Credit Officer (General Banking Stream) |
| Total Vacancies | 779 |
| Scale |
MMGS-II, MMGS-III & SMGS-IV |
| Application Mode | Online |
| Registration Dates | |
| Application Fee | ₹175 / ₹850 |
| Selection Process | |
| Job Location | Across India |
| Official Website |
Bank of India Credit Officer Notification PDF Download Link
Candidates can refer to the official notification for complete information on the vacancy distribution, eligibility criteria, exam pattern, selection process, salary, application procedure, document upload guidelines, and other important instructions. It is recommended to read the notification carefully before submitting the online application form.
Bank of India Credit Officer 2026 Important Dates
| Event | Date |
| Notification Release | 30 June 2026 |
| Online Application Starts | 30 June 2026 |
| Last Date to Apply | 20 July 2026 |
| Last Date for Fee Payment | 20 July 2026 |
| Admit Card | |
| Online Examination | |
| Interview |
Bank of India Credit Officer Recruitment 2026 Vacancy
A total of 779 Credit Officer posts have been notified by Bank of India under the General Banking Officer (GBO) stream for MMGS-II, MMGS-III, and SMGS-IV scales. The vacancies are allocated across different categories, including SC, ST, OBC, EWS, and General, in accordance with the prescribed reservation norms.
The detailed post-wise and category-wise vacancy distribution is provided in the table below.
| Post | Scale | SC | ST | OBC | EWS | GEN | Total Vacancies |
| Credit Officer (GBO Stream) | MMGS-II | 102 | 52 | 180 | 69 | 274 | 677 |
| Credit Officer (GBO Stream) | MMGS-III | 10 | 5 | 16 | 8 | 22 | 61 |
| Credit Officer (GBO Stream) | SMGS-IV | 6 | 2 | 9 | 3 | 21 | 41 |
| Grand Total | 118 | 59 | 205 | 80 | 317 | 779 | |
Bank of India Credit Officer Recruitment 2026 Eligibility Criteria
Candidates applying for the BOI Credit Officer posts must meet the prescribed eligibility conditions, including age limit, educational qualification, work experience, and nationality requirements for the respective scale. The age criteria differ for each post, and eligible candidates from reserved categories can avail of age relaxation as per Government of India norms.
Age Limit
| 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 is applicable for SC/ST/OBC/PwBD/Ex-Servicemen as per government norms.
| Sr. No. | Category | Age Relaxation |
| 1 | Scheduled Caste / Scheduled Tribe | 5 years |
| 2 | Other Backward Classes (Non-Creamy Layer) | 3 years |
| 3 | Persons with Benchmark Disabilities (as defined under the Rights of Persons with Disabilities Act, 2016) | 10 years |
| 4 | Ex-Servicemen, Commissioned Officers (including ECOs/SSCOs) who have rendered at least 5 years of military service and are released on completion of assignment (including those due to complete assignment within one year from the last date of application), other than dismissal/discharge due to misconduct or inefficiency | 5 years |
| 5 | Persons affected by 1984 riots | 5 years |
Educational Qualification
Candidates must possess the required graduate/postgraduate qualification and relevant work experience as specified in the official notification (Annexure-I).
| Scale | Educational Qualifications | Other Preferred Qualification/ Certification | Work Experience |
| MMGS-II |
A Degree (Graduation) in any discipline from recognized a University/ Institute with 60% marks or equivalent grade (55% for SC/ ST/ OBC/ PWBD) recognized by the Govt. of India or any equivalent qualification recognized as such by the Central Government. OR |
2 Years Post-Graduation Degree in Commerce/ Banking/ Finance/Management/ Marketing or any other Credit related filed from any Govt. recognized/ Approved university/ Institution OR MBA/ PGDBM/ CA/ CFA/ CMA-ICWA. Any Certified Credit Professional course in Trade Finance/ MSME from IIBF/Moody’s/ any other Govt. approved recognized University/ Institution. | Minimum 3 years’ post qualification experience as an officer out of which 2 years’ experience should be in processing of MSME Credit/Commercial Credit / Project Finance / Mid & Large Credit in Scheduled Public Sector Banks/Scheduled Private Sector Banks/Associate or Subsidiary of Scheduled Commercial Banks/ Public sector or Listed Financial Institution/ Foreign Banks |
| MMGS-III | A Degree (Graduation) in any discipline from a University/ Institute with 60% marks or equivalent grade (55% for SC/ST/ OBC/ PWBD) recognized by the Govt. of India or any equivalent qualification recognized as such by the Central Government
OR |
Minimum 5 years’ post qualification experience as an officer out of which 3 years’ experience should be in processing of MSME Credit/ Commercial Credit / Project Finance / Mid & large Credit in Scheduled Public Sector Banks/Scheduled Private Sector Banks/Associate or Subsidiary of Scheduled Commercial Banks/ in a Public sector or Listed Financial Institution/ Foreign Banks | |
| SMGS-IV | A Degree (Graduation) in any discipline from a University/ Institute with 60% marks or equivalent grade (55% for SC/ST/ OBC/ PWBD) recognized by the Govt. Of India or any equivalent qualification recognized as such by the Central GovernmentOR CA/ CMA-ICWA/ CS/ CFA. |
Minimum 7 years’ post qualification experience as an officer out of which 4 years’ experience should be in processing of MSME/ Commercial Credit / Project Finance / Mid & large Credit in Scheduled Public Sector Banks/Scheduled Private Sector Banks/Associate or Subsidiary of Scheduled Commercial Banks/ in a Public sector or Listed Financial Institution/ Foreign Banks |
Nationality
A candidate must be either –
(i) a Citizen of India or
(ii) a subject of Nepal or
(iii) a subject of Bhutan or
(iv) a Tibetan Refugee who came over to India before 1st January 1962 with the intention of permanently settling in India or
(v) a person of Indian origin who has migrated from Pakistan, Burma, Sri Lanka, East African countries of Kenya, Uganda, the United Republic of Tanzania (formerly Tanganyika and Zanzibar), Zambia, Malawi, Zaire, Ethiopia and Vietnam with the intention of permanently settling in India, provided that a candidate belonging to categories (ii), (iii), (iv) & (v) above shall be a person in whose favour a certificate of eligibility has been issued by the Government of India.
Bank of India Credit Officer Recruitment 2026 Apply Online Link
The Bank of India has started the online application process for the Credit Officer Recruitment 2026 on 30 June 2026 through its official website, bankofindia.co.in. Candidates can apply using the direct link provided below.
Apply Online for Bank Of India Credit Officer Recruitment 2026 Link – Active
Bank of India Credit Officer 2026 Application Fee
Applicants must pay the specified application fee while submitting their form. The fee differs by category and is provided in the table below:
| Category | Application Fee |
| General & Others |
Rs 850/- (application fee + intimation charges) |
| SC / ST / PWD |
Rs 175/- (intimation charges only) |
Note: Applications without successful fee payment will not be accepted.
How to Apply Online for BOI Credit Officer Recruitment 2026?
Step 1: Visit the official Bank of India website and click on the ‘Career’ section.
Step 2: Click on the link “Recruitment of Credit Officers in GBO Stream Project No. 2026-27/01″ and then select “Apply Online.”
Step 3: Click on “Click Here for New Registration” and enter your basic details and provisional registration number and password will be generated.
Step 4: Log in using the registration number and password and fill in your personal, educational, and professional details in the online application form.
Step 5: Upload your recent passport-size photograph, live photograph, signature, left thumb impression, handwritten declaration, and experience or qualification certificates in the prescribed format.
Step 6: Preview the application form carefully and pay the application fee through the available online payment modes such as Debit Card, Credit Card, Internet Banking, UPI, QR, or Mobile Wallet.
Step 7: After successful payment, download and print the submitted application form and e-receipt for future reference.
Dimension and Size of Documents
| Document | File Size | |
| Photograph | 20 KB – 50 KB | |
| Live Photograph | – |
Capture using a webcam or mobile phone as instructed on the portal |
| Signature | 10 KB – 20 KB | |
| Left Thumb Impression | 20 KB – 50 KB |
240 × 240 pixels (200 DPI preferred) |
| Handwritten Declaration | 50 KB – 100 KB |
800 × 400 pixels (200 DPI preferred) |
Handwritten Declaration Text
Candidates should write the following declaration in their own handwriting, in English, using black ink on white paper:
“I, _______ (Name of the candidate), hereby declare that all the information submitted by me in the application form is correct, true and valid. I will present the supporting documents as and when required.”
Bank of India Credit Officer 2026 Selection Process
The selection process for Bank of India Credit Officer Recruitment 2026 includes:
- Online Examination
- Personal Interview
If both stages are conducted, the final merit list will be prepared using a 70:30 weightage (Online Exam: Interview).
Bank of India Credit Officer 2026 Exam Pattern (Revised)
The examination scheme has been updated from the previous cycle. The online test will comprise objective-type questions from English Language and Professional Knowledge. The English Language section is meant only to assess qualifying proficiency, whereas the Professional Knowledge section will determine the candidates’ merit. Additionally, a penalty will be imposed for each incorrect response as per the prescribed negative marking scheme.
- Duration: 120 Minutes
- Negative Marking: 0.25 marks for each wrong answer
- English Language is qualifying in nature.
| Section | No. of Questions | Marks |
| English Language (Qualifying) | 25 | 25 |
| Professional Knowledge Relevant to the Post | 100 | 100 |
| Total | 125 | 125 |
Bank of India Credit Officer 2026 Salary
Bank of India provides an attractive pay structure for Credit Officers. The salary differs based on the management grade, including Middle Management (Grade Scale II & III) and Senior Management (Grade Scale IV).
| Post | Grade / Scale | |
| Credit Officer (GBO stream) | Middle Management Grade Scale-II |
64,820 – 2,340 (1) – 67,160 – 2,680 (10) – 93,960 |
| Middle Management Grade Scale-III |
85,920 – 2,680 (5) – 99,320 – 2,980 (2) – 1,05,280 |
|
| Senior Management Grade Scale-IV |
1,02,300 – 2,980 (4) – 1,14,220 – 3,360 (2) – 1,20,940 |
Available BOI Credit Officer Exam Centre 2026
The online examination for BOI Credit Officer 2026 will be conducted at the following exam centres across India:
- Ahmedabad/Gandhinagar
- Bengaluru
- Hubballi (Hubli)/Dharwad
- Bhopal
- Indore
- Ujjain
- Bhubaneswar
- Mohali
- Chennai
- Coimbatore
- Dehradun
- Delhi/Delhi NCR
- Guwahati
- Hyderabad
- Vijayawada/Guntur
- Visakhapatnam
- Jaipur
- Jammu
- Kolkata
- Lucknow
- Agra
- Kanpur
- Mumbai/Thane/Navi Mumbai/MMR
- Panaji
- Patna
- Raipur
- Ranchi
- Shimla
- Bilaspur
- Thiruvananthapuram
- Ernakulam