Bank of India Credit Officer Recruitment 2026 Notification for 779 Posts
🔄 Last Updated: 29 June 2026
Bank of India (BOI), a leading Public Sector Bank, has released Project No. 2026-27/01 inviting online applications for recruitment of Credit Officers in the General Banking Officer (GBO) Stream. A total of 779 vacancies have been announced for Middle Management Grade Scale-II (MMGS-II), Middle Management Grade Scale-III (MMGS-III) and Senior Management Grade Scale-IV (SMGS-IV). Eligible candidates can submit their online applications from 30 June 2026 to 20 July 2026 through the official website.
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Main Information Eligibility Vacancy Details Selection Procedure Salary Structure Application Fees Important Links Important Instructions Required Documents FAQs| Recruitment Name | Bank of India Credit Officer Recruitment 2026 |
| Organisation | Bank of India (BOI) |
| Project Number | 2026-27/01 |
| Post Name | Credit Officer (General Banking Officer Stream) |
| Total Vacancies | 779 |
| Job Location | Anywhere in India |
| Application Mode | Online |
| Application Start Date | 30 June 2026 |
| Last Date to Apply | 20 July 2026 |
| Relevant Date for Age & Qualification | 01 June 2026 |
| Tentative Online Examination | Will be announced separately |
| Official Website | https://bankofindia.co.in |
| Scale / Post | Educational Qualification |
| Credit Officer (MMGS-II) | Graduate in any discipline from a recognized University/Institute with minimum 60% marks (55% for SC/ST/OBC/PwBD) AND CA/CMA(ICWA)/CS; OR Full-time MBA/PGDM (Finance)/PGDBM (Finance) with minimum 60% marks (55% for SC/ST/OBC/PwBD). |
| Credit Officer (MMGS-III) | Graduate in any discipline from a recognized University/Institute with minimum 60% marks (55% for SC/ST/OBC/PwBD) AND CA/CMA(ICWA)/CS; OR Full-time MBA/PGDM (Finance)/PGDBM (Finance) with minimum 60% marks (55% for SC/ST/OBC/PwBD). |
| Credit Officer (SMGS-IV) | Graduate in any discipline from a recognized University/Institute with minimum 60% marks (55% for SC/ST/OBC/PwBD) AND CA/CMA(ICWA)/CS; OR Full-time MBA/PGDM (Finance)/PGDBM (Finance) with minimum 60% marks (55% for SC/ST/OBC/PwBD). |
| Experience - MMGS-II | Minimum 2 years of post-qualification experience as an Officer in a Scheduled Commercial Bank, Financial Institution, NBFC or other organization in Credit Appraisal/Processing/Monitoring or related credit functions. |
| Experience - MMGS-III | Minimum 4 years of post-qualification experience in Credit with the prescribed exposure in a Scheduled Commercial Bank/Financial Institution/NBFC or equivalent organization. |
| Experience - SMGS-IV | Minimum 6 years of post-qualification experience in Credit, including handling large corporate/wholesale credit or equivalent responsibilities in a Scheduled Commercial Bank/Financial Institution/NBFC. |
| Computer Knowledge | Candidates should possess working knowledge of computer systems and applications. |
Graduates and professionally qualified candidates possessing the prescribed educational qualification and post-wise banking experience are eligible to apply for Credit Officer posts.
| Section | Maximum Marks |
| English Language | 25 |
| Professional Knowledge Relevant to the Post | 100 |
| General Awareness with Special Reference to Banking Industry | 25 |
| Total | 150 |
| Duration | 150 Minutes |
| Mode of Examination | Online |
| Medium of Examination | English & Hindi (Professional Knowledge in English only) |
| Negative Marking | 0.25 Marks will be deducted for each incorrect answer |
| Qualifying Criteria | Candidates must obtain the minimum qualifying marks decided by Bank of India to be considered for further selection. |
Selection will be through Online Examination and/or Personal Interview depending upon the number of eligible candidates.
| Scale | Total |
| MMGS-II | 677 |
| MMGS-III | 61 |
| SMGS-IV | 41 |
| Grand Total | 779 |
Bank of India has released 779 vacancies for Credit Officers in General Banking Officer (GBO) Stream under MMGS-II, MMGS-III and SMGS-IV scales.
| Stage 1 | Online Application |
| Stage 2 | Online Examination |
| Stage 3 | Personal Interview (for shortlisted candidates) |
| Stage 4 | Document Verification |
| Stage 5 | Medical Fitness Examination |
| Stage 6 | Final Selection & Appointment |
Selection will be based on Online Examination and/or Personal Interview followed by document verification.
| Scale | Pay Scale |
| MMGS-II | ₹64,820 – ₹93,960 |
| MMGS-III | ₹85,920 – ₹1,05,280 |
| SMGS-IV | ₹1,02,300 – ₹1,20,940 |
| Dearness Allowance (DA) | As applicable from time to time |
| House Rent Allowance (HRA) | As per Bank rules |
| City Compensatory Allowance (CCA) | As applicable |
| Medical Benefits | As per Bank of India Rules |
| Leave Benefits | As per Bank Rules |
| Retirement Benefits | Pension / National Pension System (NPS) and other admissible benefits |
| Other Perquisites | Other allowances and benefits admissible to Bank of India Officers as per prevailing rules |
Selected candidates will be appointed in MMGS-II, MMGS-III or SMGS-IV with pay scale ranging from ₹64,820 to ₹1,20,940 plus applicable allowances.
| Salary Structure, In-Hand Salary & Allowances | Check Bank of India Credit Officer Recruitment 2026 Notification for 779 Posts Salary Details 2026 |
| Category | Application Fee |
| SC / ST / PwBD | ₹175 (Intimation Charges Only) |
| General / EWS / OBC | ₹850 (Application Fee + Intimation Charges) |
| Mode of Payment | Online through Debit Card, Credit Card, Internet Banking, UPI or other available online payment modes |
| Refund Policy | Application fee/intimation charges once paid shall not be refunded or adjusted against any other recruitment process. |
Application fee is payable online according to the candidate's category as prescribed in the official notification.
| Application Mode | Applications will be accepted through online mode only via the Bank of India recruitment portal. |
| Registration Period | Online registration and fee payment must be completed between 30 June 2026 and 20 July 2026. |
| Single Application | Candidates should submit only one application for the post for which they are eligible. |
| Email & Mobile Number | Candidates must possess a valid personal email ID and mobile number which should remain active throughout the recruitment process. |
| Upload of Documents | Photograph, signature, left thumb impression and handwritten declaration should be uploaded in the prescribed format and size. |
| Experience | Only post-qualification experience acquired up to the prescribed cut-off date will be considered. |
| Document Verification | Shortlisted candidates must produce original certificates and supporting documents during document verification. |
| Interview | Candidates qualifying the Online Examination will be shortlisted for Personal Interview depending upon the number of vacancies and marks obtained. |
| Medical Fitness | Final appointment is subject to satisfactory medical fitness and verification of character and antecedents. |
| Application Fee | Application fee once paid will not be refunded under any circumstances. |
| False Information | Suppression of material facts or submission of false information/documents will result in cancellation of candidature and may invite legal action. |
| Final Decision | The decision of Bank of India regarding eligibility, examination, interview and final selection shall be final and binding on all candidates. |
Candidates should submit the online application within the prescribed dates and upload all required documents before the last date.
| Document | Purpose |
| Recent Passport Size Photograph | Online Application |
| Scanned Signature | Online Application |
| Left Thumb Impression | Online Application |
| Handwritten Declaration | Online Application |
| Graduation Degree / Mark Sheets | Educational Qualification Verification |
| Professional Qualification Certificate (CA/CMA/CS/MBA/PGDM/PGDBM) | Post Eligibility Verification |
| Experience Certificates | Verification of Post-qualification Experience |
| Class X Certificate / Birth Certificate | Proof of Date of Birth |
| Caste / EWS Certificate | Reservation Benefit |
| PwBD Certificate | Reservation Benefit |
| Photo Identity Proof | Identity Verification |
| No Objection Certificate (if applicable) | Candidates working in Government/PSU/Autonomous Bodies |
| Online Application Printout | Document Verification |
Educational certificates, experience certificates, identity proof, caste certificate, PwBD certificate and other prescribed documents are required.
| Apply Online | Click Here |
| Official Notification PDF | Click Here |
| Bank of India Official Website | Click Here |
| What is Bank of India Credit Officer Recruitment 2026? | Bank of India Credit Officer Recruitment 2026 is a recruitment drive conducted by Bank of India for 779 Credit Officer vacancies in the General Banking Officer (GBO) Stream under MMGS-II, MMGS-III and SMGS-IV. |
| How many vacancies are available in BOI Credit Officer Recruitment 2026? | A total of 779 vacancies have been announced, including 677 posts in MMGS-II, 61 posts in MMGS-III and 41 posts in SMGS-IV. |
| What are the online application dates? | Candidates can submit the online application from 30 June 2026 to 20 July 2026. |
| What is the educational qualification required? | Candidates must possess a Graduation degree along with the prescribed professional qualification such as CA, CMA (ICWA), CS, MBA (Finance), PGDM (Finance) or PGDBM (Finance), along with the required post-qualification work experience as specified for the respective scale. |
| What is the age limit for BOI Credit Officer Recruitment 2026? | The age limit is 25-32 years for MMGS-II, 28-35 years for MMGS-III and 32-45 years for SMGS-IV as on 01 June 2026. Age relaxation is applicable for reserved categories as per Government rules. |
| What is the selection process? | Selection will be through an Online Examination and/or Personal Interview, followed by Document Verification and Medical Examination. |
| Is there negative marking in the online examination? | Yes. One-fourth (0.25) of the marks assigned to a question will be deducted for every incorrect answer. |
| What is the salary for Credit Officers? | Selected candidates will receive pay according to their scale: MMGS-II ₹64,820–₹93,960, MMGS-III ₹85,920–₹1,05,280 and SMGS-IV ₹1,02,300–₹1,20,940 along with applicable allowances and benefits. |
| What is the application fee? | The application fee is ₹850 for General, OBC and EWS candidates, while SC, ST and PwBD candidates have to pay ₹175 as intimation charges. |
| Can a candidate apply for more than one post? | No. Candidates are permitted to apply for only one post. If multiple applications are submitted, only the latest valid application will be considered. |
