Bank of India Credit Officer Recruitment 2026 – Apply Online for 514 Posts
Bank of India (BOI) has released the Credit Officer (GBO Stream) Recruitment 2025–26 notification for 514 vacancies across MMGS-II, MMGS-III, and SMGS-IV scales. This recruitment targets experienced professionals in banking, credit, and finance. Eligible candidates can apply online from 20 December 2025 to 05 January 2026 at the official website.
🔔 Highlights
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Posts: Credit Officer (GBO Stream)
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Vacancies: 514
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Scales: MMGS-II, MMGS-III, SMGS-IV
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Apply Online: 20.12.2025 – 05.01.2026
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Selection: Online Exam + Interview (70:30) or Interview only (if exam not held)
📅 Important Dates
| Event | Date |
|---|---|
| Notification Released | 01.11.2025 |
| Online Application Start | 20.12.2025 |
| Last Date to Apply & Pay Fee | 05.01.2026 |
| Admit Card | To be notified |
| Exam Date | To be notified |
📊 Vacancy Break-up (Total: 514)
| Post | UR | OBC | SC | ST | EWS | Total |
|---|---|---|---|---|---|---|
| SMGS-IV | 17 | 9 | 5 | 2 | 3 | 36 |
| MMGS-III | 25 | 16 | 9 | 4 | 6 | 60 |
| MMGS-II | 172 | 112 | 62 | 31 | 41 | 418 |
| Grand Total | 214 | 137 | 76 | 37 | 50 | 514 |
PwBD vacancies included as per notification.
🎓 Eligibility Criteria
Educational Qualification
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Graduation plus post-wise qualifications/experience as specified in Annexure-I of the notification.
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CGPA must be converted to percentage (as per university norms).
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Relaxation: SC/ST/OBC/PwBD candidates get 5% relaxation where 60% is prescribed.
Age Limit (as on 01.11.2025)
| Scale | Min | Max |
|---|---|---|
| MMGS-II | 25 | 35 |
| MMGS-III | 28 | 38 |
| SMGS-IV | 30 | 40 |
Age relaxation applicable as per GoI rules.
🧪 Selection Process
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Scrutiny & Shortlisting
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Online Examination (if conducted)
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English (Qualifying): 25 Q / 25 M
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Reasoning: 25 Q / 25 M
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Quantitative Aptitude: 25 Q / 25 M
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Professional Knowledge: 75 Q / 75 M
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Total: 150 Q / 150 M | Time: 120 mins
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Negative Marking: ¼ mark
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Interview: 100 Marks
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Qualifying: 50% (Gen/EWS), 45% (SC/ST/OBC/PwBD)
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Final Merit: Online Exam + Interview = 70:30 (if exam held).
💳 Application Fee
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General/Others: ₹850
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SC/ST/PwBD: ₹175
(Online payment only; non-refundable)
💰 Salary & Benefits
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MMGS-II: Basic ₹64,820
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MMGS-III: Basic ₹85,920
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SMGS-IV: Basic ₹1,02,300
Allowances: DA, HRA/Lease, CCA, Medical, LTC, NPS, Leave benefits, etc.
Security Deposit: ₹2–3 lakh (refundable; forfeiture conditions apply).
📝 How to Apply
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Visit bankofindia.bank.in → Career
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Open “Recruitment of Credit Officers in GBO Stream (Project No. 2025-26/01)”
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Click Apply Online → New Registration
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Fill details, upload documents, preview
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Pay fee → Submit → Save receipt & form
❓ FAQs
Q. Last date to apply?
👉 05 January 2026
Q. Total vacancies?
👉 514
Q. Is experience mandatory?
👉 Yes, as per Annexure-I.
Q. Is there negative marking?
👉 Yes, ¼ mark per wrong answe
