Bank of India released the Bank of India Credit Officer Recruitment 2026 notification for 779 Credit Officer vacancies in the General Banking Officer or GBO stream. The recruitment was announced under Project No. 2026-27/01 for appointments in MMGS-II, MMGS-III and SMGS-IV.
Online applications were accepted from 30 June to 20 July 2026. The application process is now closed. Candidates who submitted their forms should monitor the official Bank of India recruitment page for the online examination date, call letter and subsequent selection updates.
Bank of India Credit Officer Recruitment 2026 Overview
| Particular | Details |
|---|---|
| Recruiting organisation | Bank of India |
| Post name | Credit Officer |
| Stream | General Banking Officer—GBO |
| Project number | 2026-27/01 |
| Total vacancies | 779 |
| Officer scales | MMGS-II, MMGS-III and SMGS-IV |
| Application mode | Online |
| Application start date | 30 June 2026 |
| Last date | 20 July 2026 |
| Eligibility cut-off date | 1 June 2026 |
| Examination date | To be announced separately |
| Current status | Applications closed |
| Job location | Anywhere in India |
| Selection method | Online examination and/or interview |
The notification clarifies that the 779 vacancies include 475 unfilled vacancies from the previous Credit Officer recruitment exercise, Project No. 2025-26/01. The number of vacancies may be changed according to the bank’s actual requirements.
BOI Credit Officer Vacancy 2026
| Scale | SC | ST | OBC | EWS | General | 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 |
The notification also provides horizontal reservation for eligible persons with benchmark disabilities. Candidates must produce the applicable category and disability certificates during the recruitment process.
Bank of India Credit Officer Eligibility Criteria
Candidates were required to satisfy the age, education and post-qualification work-experience conditions as on 1 June 2026.
Educational qualification
Candidates must possess either:
- A graduation degree in any discipline with at least 60% marks from a recognised university or institution; or
- At least 55% marks for SC, ST, OBC and PwBD candidates; or
- CA, CMA-ICWA, CS or CFA qualification.
Candidates possessing finance, banking or credit-related postgraduate qualifications and professional certifications were given preference. Preferred credentials included:
- Two-year postgraduate degree in Commerce, Banking, Finance, Management, Marketing or another credit-related field
- MBA or PGDBM
- CA, CFA or CMA-ICWA
- Certified Credit Professional qualification
- Certification in Trade Finance or MSME from IIBF, Moody’s or another recognised institution
The educational qualification was common across MMGS-II, MMGS-III and SMGS-IV, while the required work experience differed by scale.
Post-Wise Age and Experience
Credit Officer MMGS-II
- Vacancies: 677
- Age limit: 25 to 32 years
- Minimum experience: Three years of post-qualification experience as an officer
- Relevant credit experience: At least two years
The relevant experience should involve MSME credit, commercial credit, project finance, or mid and large credit in a Scheduled Commercial Bank, Financial Institution or NBFC.
Credit Officer MMGS-III
- Vacancies: 61
- Age limit: 28 to 38 years
- Minimum experience: Five years of post-qualification experience as an officer
- Relevant credit experience: At least three years
The required experience should be in processing MSME, commercial, project-finance, mid-credit or large-credit proposals in an eligible banking or financial institution.
Credit Officer SMGS-IV
- Vacancies: 41
- Age limit: 32 to 45 years
- Minimum experience: Seven years of post-qualification experience as an officer
- Relevant credit experience: At least four years
Eligible experience includes processing MSME credit, commercial credit, project finance, mid-credit and large-credit proposals in Scheduled Commercial Banks, Financial Institutions or NBFCs.
Age Relaxation
The upper-age relaxation specified in the notification was:
| Category | Relaxation |
|---|---|
| Scheduled Caste and Scheduled Tribe | 5 years |
| OBC—Non-Creamy Layer | 3 years |
| Persons with Benchmark Disabilities | 10 years |
| Eligible ex-servicemen and commissioned officers | 5 years |
| Persons affected by the 1984 riots | 5 years |
The prescribed maximum age for each scale applied to General and EWS candidates. Applicants claiming relaxation were required to produce the appropriate certificate during the interview or subsequent verification stage.
Application Fee
| Category | Fee |
|---|---|
| SC, ST and PwBD | ₹175 |
| General, EWS, OBC and other candidates | ₹850 |
The amount included GST. Candidates were also responsible for any applicable online transaction charges. The payment window remained open from 30 June to 20 July 2026.
Bank of India Credit Officer Salary
Selected candidates will receive basic pay according to the applicable officer scale, along with allowances and benefits permitted by Bank of India.
| Scale | Basic Pay Scale |
|---|---|
| MMGS-II | ₹64,820 to ₹93,960 |
| MMGS-III | ₹85,920 to ₹1,05,280 |
| SMGS-IV | ₹1,02,300 to ₹1,20,940 |
The bank may post or transfer selected officers anywhere in India according to organisational requirements.
Selection Process
The Bank of India Credit Officer selection process may include:
- Scrutiny of eligibility and uploaded documents
- Online examination
- Personal interview
- Document verification
- Final merit list
- Medical and joining formalities
The bank reserves the right to conduct an online examination followed by an interview or select candidates through an interview-only process, depending on the number of applications and eligible candidates.
Online Examination Pattern
| Test | Questions | Marks |
|---|---|---|
| English Language | 25 | 25 |
| Professional Knowledge | 100 | 100 |
| Total | 125 | 125 |
The composite duration of the examination is 120 minutes.
The English Language test is qualifying in nature, and its marks are not included in the merit list. Professional Knowledge marks are used while preparing the examination merit list.
Qualifying Marks and Negative Marking
General and EWS candidates must obtain at least 35% marks in each test. SC, ST, OBC and PwBD candidates applying against reserved vacancies receive a relaxation of five percentage points.
For every incorrect answer, one-fourth of the marks assigned to that question will be deducted. No penalty applies to questions left unanswered.
Interview
Candidates ranking sufficiently high in the online examination may be called for the interview, generally in a ratio of three candidates for every vacancy.
The interview carries 100 marks. The minimum qualifying marks are:
- General and EWS: 50%
- SC, ST, OBC and PwBD: 45%
When both the examination and interview are conducted, their final weightage is 70:30. Final selection is based on the combined merit score.
How Candidates Applied
The application process was completed through the Bank of India careers portal.
Candidates were required to:
- Open the Bank of India recruitment section.
- Select Project No. 2026-27/01.
- Open the online registration portal.
- Complete new registration using a mobile number and email address.
- Enter personal, educational and professional-experience details.
- Upload the photograph, signature, thumb impression and handwritten declaration.
- Upload qualification, certification and work-experience documents.
- Preview the completed application.
- Pay the applicable fee online.
- Save the submitted application and payment receipt.
The bank instructed candidates to check every field carefully because changes were not permitted after completing registration.
Documents Required for the Recruitment Process
Candidates shortlisted for interview or verification should keep the following documents ready:
- Online application printout
- Examination or interview call letter
- Date-of-birth proof
- Valid photo identity proof
- Graduation mark sheets and degree certificate
- Professional qualification certificates
- Work-experience certificates
- Caste or category certificate
- OBC Non-Creamy Layer certificate, where applicable
- EWS Income and Asset Certificate
- PwBD certificate and UDID, where applicable
- No Objection Certificate for candidates already employed
- Recent photographs
- Other documents supporting eligibility
The bank may reject candidature when essential education, experience or category documents are not produced during the interview.
Useful Regal Career Application Tools
Candidates preparing for future Bank of India or other banking applications can use the Regal Career Application Tools Hub to prepare documents and verify eligibility.
Regal Career currently provides separate pages for these application, calculator and candidate-management tools.
Current Recruitment Status
The online application window closed on 20 July 2026. The original notification stated that the tentative online-examination date would be communicated separately.
Candidates should rely only on Bank of India’s official recruitment page for the exam date, call letter, interview and result announcements. Do not rely on the examination date of the earlier 514-post Credit Officer recruitment because that belongs to Project No. 2025-26/01, not this 779-post recruitment.
Important Links
- Official detailed notification: Bank of India Project No. 2026-27/01
- Official eligibility annexure: Post-wise qualification and experience
- Official recruitment notice page: Latest BOI recruitment updates
- Regal Career Application Tools: Document, calculator and application tools
Frequently Asked Questions
How many vacancies are available in Bank of India Credit Officer Recruitment 2026?
Bank of India announced 779 Credit Officer vacancies across MMGS-II, MMGS-III and SMGS-IV.
What was the last date to apply?
The last date for submitting the online application and paying the application fee was 20 July 2026.
Is the Bank of India Credit Officer application still open?
No. The online application process is closed.
What is the qualification for BOI Credit Officer posts?
Candidates needed graduation with 60% marks, or 55% for specified reserved categories, or a recognised CA, CMA-ICWA, CS or CFA qualification. Relevant post-qualification officer and credit-processing experience was also mandatory.
What is the age limit?
The age range was 25–32 years for MMGS-II, 28–38 years for MMGS-III and 32–45 years for SMGS-IV as on 1 June 2026.
What is the selection process?
Selection may involve document scrutiny, an online examination and a personal interview. Bank of India may also use an interview-only process depending on the number of eligible candidates.
Has the BOI Credit Officer examination date been announced?
The notification states that the examination date will be announced separately. Candidates should monitor the official BOI recruitment page for Project No. 2026-27/01.
Conclusion
Bank of India Credit Officer Recruitment 2026 offered 779 officer-level opportunities for experienced banking, finance and credit professionals. The application process has closed, and registered candidates should now prepare for the Professional Knowledge test while monitoring the official website for the examination date and call letter.
Candidates should preserve their submitted application, payment receipt, education certificates, professional qualifications and detailed work-experience documents for the interview and verification stages.
