Bank of India Credit Officer Recruitment 2026
Bank of India has released the official notification for the recruitment of Credit Officers under the GBO Stream for the year 2026. This recruitment drive aims to fill various specialist officer positions across different management grades to strengthen the bank's credit operations.
Short Information
The Bank of India is inviting online applications for a total of 779 vacancies for the post of Credit Officer (GBO Stream). Eligible candidates must submit their applications through the official portal by the closing date of 20 July 2026.
Application Fee
| Category | Fee Amount | Payment Mode |
|---|---|---|
| General / OBC / EWS | ₹850 | Online (Debit/Credit Cards, Net Banking, UPI, Mobile Wallets) |
| SC / ST / PwBD | ₹175 | Online (Debit/Credit Cards, Net Banking, UPI, Mobile Wallets) |
Eligibility Criteria & Vacancies
Candidates must possess a Graduation degree in any discipline from a recognized University with at least 60% marks (55% for SC/ST/OBC/PwBD). Alternatively, professional qualifications such as CA, CMA-ICWA, CS, or CFA are also accepted.
Post-wise Vacancy and Age Limit
| Post / Scale | Total Vacancies | Minimum Age | Maximum Age | Educational Qualification & Experience |
|---|---|---|---|---|
| MMGS-II | 677 | 25 Years | 32 Years | Graduation (60%/55%) or CA/CMA/CS/CFA + 3 years officer exp. (2 years in MSME/Commercial Credit/Project Finance) |
| MMGS-III | 61 | 28 Years | 38 Years | Graduation (60%/55%) or CA/CMA/CS/CFA + 5 years officer exp. (3 years in MSME/Commercial Credit/Project Finance) |
| SMGS-IV | 41 | 32 Years | 45 Years | Graduation (60%/55%) or CA/CMA/CS/CFA + 7 years officer exp. (4 years in MSME/Commercial Credit/Project Finance) |
Note: Age calculated as of 01 June 2026. Age relaxation: 5 years for SC/ST, 3 years for OBC (Non-creamy layer), 10 years for PwBD, and 5 years for Ex-Servicemen.
Category-wise Vacancy Breakdown
| Post / Scale | SC | ST | OBC | EWS | GEN | Total |
|---|---|---|---|---|---|---|
| MMGS-II | 102 | 52 | 180 | 69 | 274 | 677 |
| MMGS-III | 10 | 5 | 16 | 8 | 22 | 61 |
| SMGS-IV | 6 | 2 | 9 | 3 | 21 | 41 |
| Total | 118 | 59 | 205 | 80 | 317 | 779 |
Selection Process & Exam Pattern
The selection process for the BOI Credit Officer position is designed to evaluate both the professional knowledge and the personality of the candidates. Depending on the volume of applications, the bank may conduct an online examination and/or a personal interview.
Selection Stages
- Scrutiny of Eligibility: Initial shortlisting based on the documents uploaded during the registration process.
- Online Examination: A competitive test to assess professional competence.
- Personal Interview: Conducted for candidates who clear the merit threshold of the online exam.
- Final Merit List: Prepared based on a combined weightage of 70% for the Online Examination and 30% for the Interview.
Online Examination Pattern
| Subject | Marks | Nature | Duration |
|---|---|---|---|
| English Language | 25 | Qualifying | 120 Minutes (Composite) |
| Professional Knowledge | 100 | Merit-based | 120 Minutes (Composite) |
| Total | 125 | - | - |
Important Exam Rules:
- Qualifying Marks: 35% for General/EWS and 30% for SC/ST/OBC/PwBD.
- Negative Marking: There is a penalty of 0.25 (one-fourth) marks for every wrong answer in the objective test.
How to Apply Online
Eligible candidates should follow these steps to complete their application process on the official website:
- Visit the official website of Bank of India and navigate to the "Career" section.
- Select the link titled "Recruitment of Credit Officers in GBO Stream Project No. 2026-27/01."
- Click on "Apply Online" and perform a New Registration by providing your Name, Contact details, and Email ID.
- Securely note down the Provisional Registration Number and Password generated by the system.
- Log in and fill in the detailed application form, including personal, educational, and professional experience details.
- Upload the required documents: Photograph, Signature, Left Thumb Impression, and a Handwritten Declaration (ensure it is not in capital letters).
- Preview the application carefully and click on "Complete Registration."
- Pay the application fee using the integrated online payment gateway.
- Download and print the system-generated application form and e-receipt for future reference.
Required Documents for Interview
- Proof of Date of Birth.
- Educational mark sheets and certificates.
- Category/Caste certificates (if applicable).
- Experience certificates.
- No Objection Certificate (NOC) for candidates currently employed in Government/PSU offices.
Frequently Asked Questions
Q1. What is the total number of vacancies for BOI Credit Officer 2026? There are a total of 779 vacancies distributed across MMGS-II (677), MMGS-III (61), and SMGS-IV (41) grades.
Q2. What is the minimum educational qualification required? Candidates need a Graduation degree with 60% marks (55% for reserved categories) or professional certifications like CA, CMA-ICWA, CS, or CFA.
Q3. Is there a negative marking in the online examination? Yes, there is a penalty of one-fourth (0.25) marks for each incorrect answer in the objective test.
Q4. What is the application fee for General category candidates? The application fee for General and other categories is ₹850, which includes both the application fee and intimation charges.
Q5. Is there any security deposit required after selection? Yes, selected candidates must pay a refundable security deposit of ₹2,00,000 for MMGS-II and ₹3,00,000 for MMGS-III and SMGS-IV, which is refundable after 3 years of satisfactory service.
| Link Name | Link |
|---|---|
| Apply Online | Coming Soon |
| Official Notification / Advertisement | Coming Soon |
| Official Website | Coming Soon |