The Bank of India (BOI) has officially announced a large-scale recruitment drive for the financial year 2025–26, inviting online applications for 514 Credit Officer posts under the General Banking Officer (GBO) stream. This recruitment offers an excellent opportunity for experienced banking and finance professionals to secure a respected officer-level position in one of India’s leading public sector banks.
Overview of BOI Credit Officer Recruitment 2025–26
- Organization Name: Bank of India (BOI)
- Post Name: Credit Officer (GBO Stream)
- Total Vacancies: 514
- Recruitment Year: 2025–26
- Application Mode: Online
- Job Location: Across India
- Official Website: bankofindia.bank.in
The recruitment aims to strengthen BOI’s credit operations by appointing skilled officers capable of handling credit appraisal, loan processing, risk assessment, and portfolio management.
Important Dates
Candidates must carefully note the important dates related to this recruitment process:
- Notification Release Date: 01 November 2025
- Online Application Start Date: 20 December 2025
- Last Date to Apply Online: 05 January 2026
- Last Date for Fee Payment: 05 January 2026
- Exam / Interview Date: To be announced
Applicants are advised to complete the application process well before the last date to avoid technical issues.
Vacancy Details
The total 514 Credit Officer vacancies are distributed across different officer scales as follows:
| Scale | Post Name | Number of Vacancies |
|---|---|---|
| MMGS-II | Credit Officer | 418 |
| MMGS-III | Credit Officer | 60 |
| SMGS-IV | Senior Credit Officer | 36 |
| Total | 514 | |
Candidates can apply for only one scale, based on their eligibility and experience.
Eligibility Criteria
Educational Qualification
Candidates must fulfill the following educational requirements:
- Graduate degree from a recognized university
- Minimum 60% marks for General and EWS candidates
- Minimum 55% marks for SC, ST, OBC, and PwBD candidates
Professional qualifications such as MBA, PGDBM (Finance/Banking), CA, CMA, CFA, or equivalent may be preferred, particularly for higher officer scales.
If CGPA or grading systems are followed, conversion into percentage must be done as per university norms.
Age Limit (as on 01 November 2025)
| 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
- SC/ST: 5 years
- OBC (Non-Creamy Layer): 3 years
- PwBD: 10 years
- Ex-Servicemen: As per government rules
Work Experience
Relevant post-qualification experience is mandatory:
- MMGS-II: Minimum 3 years of officer-level experience in credit appraisal, MSME lending, or corporate banking
- MMGS-III: Minimum 5 years of experience with exposure to mid or large corporate credit
- SMGS-IV: Minimum 8 years of experience in senior credit roles, including leadership responsibilities
Pay Scale and Salary Structure
| Scale | Pay Scale (Approx.) |
|---|---|
| MMGS-II | ₹64,820 – ₹93,960 |
| MMGS-III | ₹85,920 – ₹1,05,280 |
| SMGS-IV | ₹1,02,300 – ₹1,20,940 |
Additional Benefits
- Dearness Allowance (DA)
- House Rent Allowance (HRA) or leased accommodation
- Medical benefits
- Leave Travel Concessions
- Pension and retirement benefits
Selection Process
1. Online Examination
- Objective-type examination
- Reasoning Ability
- Quantitative Aptitude
- English Language
- Professional Knowledge (Credit & Banking)
2. Personal Interview
Shortlisted candidates will be called for a personal interview focusing on banking knowledge, credit appraisal skills, professional experience, and communication ability.
Application Fee
| Category | Fee |
|---|---|
| General / EWS / OBC | ₹850 |
| SC / ST / PwBD | ₹175 |
How to Apply for BOI Credit Officer Recruitment 2025–26
- Visit the official website: https://www.bankofindia.bank.in
- Click on the Career section
- Open the Credit Officer Recruitment 2025–26 notification
- Register using a valid email ID and mobile number
- Fill in personal, educational, and professional details
- Upload photograph, signature, and required documents
- Pay the application fee online
- Submit the form and print a copy for reference
Official Apply Link
Apply Online: Click Here
Official Notification: Click Here
Preparation Tips for BOI Credit Officer Exam
- Strengthen credit appraisal and banking concepts
- Understand financial statements and risk analysis
- Practice reasoning and quantitative aptitude regularly
- Prepare real-life credit case studies for interviews
- Stay updated with banking and economic news
Conclusion
The BOI Recruitment 2025–26 for 514 Credit Officer posts is an excellent opportunity for experienced banking professionals seeking career growth in a reputed public sector bank. With attractive salary packages, job security, and long-term growth prospects, this recruitment drive is highly competitive.
Eligible candidates should apply online before 05 January 2026 and prepare thoroughly to secure their position.