Bank of India Credit Officer Recruitment 2026: Apply Online for 779 GBO Stream Vacancies
- RecruiterBank of India
- Total Vacancies779 Posts
- Apply Online30 Jun – 20 Jul 2026
- Job LocationAll India
Bank of India (BOI) has released its recruitment notice for Credit Officers in the General Banking Officer (GBO) stream under Project No. 2026-27/01, dated 1 June 2026. The Bank is looking to fill 779 vacancies spread across three scales — MMGS-II, MMGS-III and SMGS-IV.
Eligible candidates can register online from 30 June 2026 to 20 July 2026. This guide covers the vacancy break-up, pay scale, eligibility, age limit, application fee, exam pattern, selection process and the complete step-by-step application procedure so you don’t have to dig through the full PDF.
Bank of India Credit Officer Recruitment 2026 — Overview
| Particular | Details |
|---|---|
| Recruiting Body | Bank of India (BOI) |
| Recruitment Name | Recruitment of Credit Officers in GBO Stream |
| Project / Notification No. | 2026-27/01, dated 01.06.2026 |
| Post Name | Credit Officer (General Banking Officer stream) |
| Scales | MMGS-II, MMGS-III, SMGS-IV |
| Total Vacancies | 779 |
| Application Mode | Online |
| Application Start Date | 30 June 2026 |
| Last Date to Apply | 20 July 2026 |
| Relevant Date for Age/Qualification | 01 June 2026 |
| Online Examination Date | To be announced separately |
| Job Location | Anywhere in India |
| Official Website | bankofindia.bank.in |
Important Dates for BOI Credit Officer Recruitment 2026
| Activity | Date |
|---|---|
| Notification released | 1 June 2026 |
| Online registration begins | 30 June 2026 |
| Last date for online registration | 20 July 2026 |
| Last date for fee payment | 20 July 2026 |
| Relevant date for age and qualification | 1 June 2026 |
| Tentative online examination date | Will be advised separately |
Candidates are advised to keep checking the official website for the exam call letter and schedule updates, since the Bank will not send hard-copy intimation.
BOI Credit Officer Vacancy 2026: Category and Scale-Wise Details
The 779 vacancies are distributed across three officer scales, with category-wise reservation as per Government of India norms. The table also shows the number of posts identified for persons with benchmark disabilities (PwBD) under Hearing Impairment (HI), Visual Impairment (VI), Orthopaedic/Locomotor (OC) and Intellectual Disability (ID) categories.
| Scale | SC | ST | OBC | EWS | GEN | Total | HI | VI | OC | ID | Min Age | Max Age |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MMGS-II | 102 | 52 | 180 | 69 | 274 | 677 | 7 | 7 | 7 | 6 | 25 | 32 |
| MMGS-III | 10 | 5 | 16 | 8 | 22 | 61 | 1 | 1 | – | – | 28 | 38 |
| SMGS-IV | 6 | 2 | 9 | 3 | 21 | 41 | – | – | 1 | 1 | 32 | 45 |
| Total | 118 | 59 | 205 | 80 | 317 | 779 | 8 | 8 | 8 | 7 | – | – |
*The total of 779 vacancies includes 475 unfilled vacancies carried forward from the previous recruitment exercise, Project 2025-26/01 dated 01.11.2025. Vacancy numbers, including reserved-category vacancies, are provisional and may vary as per the Bank’s actual requirement.
| Name of the Post and Scale | Vacancy | Age | Educational Qualifications | Other Preferred Qualification / Certification | Work Experience |
|---|---|---|---|---|---|
| Credit Officer (GBO Stream) – MMGS-II |
677 | 25–32 Years | A Degree (Graduation) in any discipline from a recognized University/Institute with 60% marks or equivalent grade (55% for SC/ST/OBC/PWBD) recognized by the Government of India, or any equivalent qualification recognized as such by the Central Government. OR CA / CMA-ICWA / CS / CFA |
2 Years Post-Graduate Degree in Commerce, Banking, Finance,
Management, Marketing, or any other credit-related field from any Government
recognized/approved University or Institution.
OR
MBA / PGDBM / CA / CFA / CMA-ICWA
Any Certified Credit Professional course in Trade Finance / MSME from IIBF, Moody’s, or any other Government-approved recognized University/Institution. |
Minimum 3 years’ post-qualification experience as an officer, out of which 2 years’ experience should be in processing of MSME Credit, Commercial Credit, Project Finance, or Mid & Large Credit in Scheduled Commercial Banks, Financial Institutions, or NBFCs. |
| Credit Officer (GBO Stream) – MMGS-III |
61 | 28–38 Years | A Degree (Graduation) in any discipline from a recognized University/Institute with 60% marks or equivalent grade (55% for SC/ST/OBC/PWBD) recognized by the Government of India, or any equivalent qualification recognized as such by the Central Government. OR CA / CMA-ICWA / CS / CFA | Minimum 5 years’ post-qualification experience as an officer, out of which 3 years’ experience should be in processing of MSME Credit, Commercial Credit, Project Finance, or Mid & Large Credit in Scheduled Commercial Banks, Financial Institutions, or NBFCs. | |
| Credit Officer (GBO Stream) – SMGS-IV |
41 | 32–45 Years | A Degree (Graduation) in any discipline from a recognized University/Institute with 60% marks or equivalent grade (55% for SC/ST/OBC/PWBD) recognized by the Government of India, or any equivalent qualification recognized as such by the Central Government. OR CA / CMA-ICWA / CS / CFA | Minimum 7 years’ post-qualification experience as an officer, out of which 4 years’ experience should be in processing of MSME Credit, Commercial Credit, Project Finance, or Mid & Large Credit in Scheduled Commercial Banks, Financial Institutions, or NBFCs. |
Pay Scale for Credit Officers
| Scale / Grade | Basic Pay Scale (₹) |
|---|---|
| MMGS-II | 64,820 – 2,340(1) – 67,160 – 2,680(10) – 93,960 |
| MMGS-III | 85,920 – 2,680(5) – 99,320 – 2,980(2) – 1,05,280 |
| SMGS-IV | 1,02,300 – 2,980(4) – 1,14,220 – 3,360(2) – 1,20,940 |
In addition to basic pay, selected officers will receive dearness allowance, house rent allowance and other perquisites as applicable to the respective scale.
Security Deposit
| Scale | Security Deposit |
|---|---|
| MMGS-II | ₹2,00,000 |
| MMGS-III | ₹3,00,000 |
| SMGS-IV | ₹3,00,000 |
Refundable after 3 years of satisfactory service; forfeited if the officer leaves the Bank before completing 3 years.
Eligibility Criteria (As on 01.06.2026)
Nationality
A candidate must be one of the following: a citizen of India; a subject of Nepal; a subject of Bhutan; a Tibetan refugee who came to India before 1 January 1962 with the intention of permanently settling in India; or a person of Indian origin who has migrated from Pakistan, Burma, Sri Lanka, Kenya, Uganda, the United Republic of Tanzania, Zambia, Malawi, Zaire, Ethiopia or Vietnam with the intention of permanently settling in India. Candidates in the last four categories require an eligibility certificate issued by the Government of India.
Educational Qualification and Experience
- Candidates who previously held a similar post at Bank of India are not eligible to apply again.
- Candidates should indicate their graduation percentage calculated to two decimals; a CGPA/OGPA must be converted to percentage. Fractions are not rounded up (for example, 59.99% is treated as less than 60%).
- Reserved-category candidates (SC/ST/OBC/PWD) applying against reserved vacancies get a 5% relaxation wherever a minimum of 60% marks is stipulated in educational qualification — i.e., 55% is sufficient for them.
- A candidate may apply for only one post; in case of multiple applications, only the latest completed application is retained and fees paid for the others are forfeited.
Age Limit and Age Relaxation
| Scale | Minimum Age | Maximum Age |
|---|---|---|
| MMGS-II | 25 years | 32 years |
| MMGS-III | 28 years | 38 years |
| SMGS-IV | 32 years | 45 years |
Age is reckoned as on 1 June 2026 and applies to General/EWS candidates. Reserved categories get the relaxation shown below.
| Category | Upper Age Relaxation |
|---|---|
| Scheduled Caste / Scheduled Tribe | 5 years |
| Other Backward Classes (non-creamy layer) | 3 years |
| Persons with Benchmark Disabilities | 10 years |
| Ex-Servicemen / ECOs / SSCOs (min. 5 years service) | 5 years |
| Persons affected by 1984 riots | 5 years |
Age relaxation for SC/ST/OBC candidates can be combined on a cumulative basis with only one of the other relaxation categories listed above. Relevant certificates must be produced at the time of interview.
EWS (Economically Weaker Section) Criteria
Candidates not covered under the existing SC/ST/OBC reservation, whose family’s gross annual income is below ₹8 lakh (income for the financial year 2025-26), may claim EWS status. A family is excluded from EWS, irrespective of income, if it owns any of the following:
- 5 acres of agricultural land or more
- A residential flat of 1,000 sq. ft. or more
- A residential plot of 100 sq. yards or more in notified municipalities
- A residential plot of 200 sq. yards or more outside notified municipalities
EWS vacancies are tentative and subject to Government of India directives and the outcome of any pending litigation.
Application Fee / Intimation Charges
| Category | Amount (incl. GST) |
|---|---|
| SC / ST / PWD | ₹175 (intimation charges only) |
| General & Others | ₹850 (application fee + intimation charges) |
Fees are payable online only (credit/debit card, net banking, UPI, wallet). Bank transaction charges are to be borne by the candidate, and the fee is non-refundable.
Selection Process
Selection is through an online examination and/or personal interview, depending on the number of eligible applicants. Bank of India may also select purely through interview without an online test.
Online Examination Pattern
| Test | No. of Questions | Maximum Marks | Duration |
|---|---|---|---|
| English Language (qualifying only) | 25 | 25 | Composite time of 120 minutes |
| Professional Knowledge relevant to the post | 100 | 100 | |
| Total | 125 | 125 | 120 minutes |
English Language and Professional Knowledge tests are available bilingually (English and Hindi), except the English test itself. Marks scored in the English test are qualifying only and are not counted toward the merit list.
| Test | General / EWS | SC / ST / OBC / PWD (reserved vacancies) |
|---|---|---|
| English Language | 35% | 30% (5% relaxation) |
| Professional Knowledge | 35% | 30% (5% relaxation) |
| Personal Interview | 50% | 45% |
Negative marking: One-fourth of the marks assigned to a question is deducted for each wrong answer in the objective test. No penalty applies to unattempted questions.
Interview and Final Merit
| Particular | Details |
|---|---|
| Interview call ratio | 1:3 of the number of vacancies (in the order of merit) |
| Weightage — Online Exam | 70% |
| Weightage — Interview | 30% |
| Tie-break rule | Candidate senior in age (earlier date of birth) is ranked higher |
Merit lists are prepared category-wise (SC/ST/OBC/EWS/GEN) in descending order of marks. Where the online exam is not conducted, the final merit is based solely on interview marks out of 100, with the same qualifying percentages shown above.
Examination Centres
The online examination (if conducted) is likely to be held at the following centres. Bank of India reserves the right to add, remove or reassign centres, and no request for a change of centre will be entertained.
- Ahmedabad/Gandhinagar
- Bengaluru
- Hubballi/Dharwad
- Bhopal
- Indore
- Ujjain
- Bhubaneswar
- Mohali
- Chennai
- Coimbatore
- Dehradun
- Delhi/Delhi NCR
- Guwahati
- Hyderabad
- Vijayawada/Guntur
- Visakhapatnam
- Jaipur
- Jammu
- Kolkata
- Lucknow
- Agra
- Kanpur
- Mumbai/Thane/Navi Mumbai/MMR
- Panaji
- Patna
- Raipur
- Ranchi
- Shimla
- Bilaspur
- Thiruvananthapuram
- Ernakulam
Document Upload Specifications
Applicants must scan and upload four documents in the prescribed format before the application is accepted:
| Document | Dimensions | File Size | Format |
|---|---|---|---|
| Photograph (passport style, colour) | 200 x 230 px (4.5cm x 3.5cm) | 20–50 KB | JPG/JPEG |
| Signature (black ink, not capital letters) | 140 x 60 px | 10–20 KB | JPG/JPEG |
| Left thumb impression | 240 x 240 px @ 200 DPI (3cm x 3cm) | 20–50 KB | JPG/JPEG |
| Handwritten declaration (in English) | 800 x 400 px @ 200 DPI (10cm x 5cm) | 50–100 KB | JPG/JPEG |
Live photo capture (webcam or mobile) is also required in addition to the uploaded photograph. If the left thumb is unavailable, the right thumb, another finger, or a left toe impression may be used, with a note specifying which was used.
How to Apply for BOI Credit Officer Recruitment 2026
- Visit the official Bank of India website: bankofindia.bank.in.
- Click on Career, then open “Recruitment of Credit Officers in GBO Stream, Project No. 2026-27/01”.
- Click Apply Online, then choose “Click here for New Registration”.
- Enter your name, contact details and email ID to generate a Provisional Registration Number and Password — note these down.
- Use “Save and Next” to fill the form in stages and verify each section as you go.
- Upload your photograph, signature, left thumb impression and handwritten declaration as per the specifications above.
- Fill in your qualification, category, experience and centre preference details.
- Use the Preview tab to check the entire form carefully — no changes are allowed after final submission.
- Click Complete Registration, then proceed to the Payment tab.
- Pay the application fee online via card, net banking, UPI or wallet, and wait for the e-Receipt to be generated.
- Download and print the system-generated application form and e-Receipt for your records.
Documents Required at the Time of Interview
Shortlisted candidates must carry the following documents in original with self-attested photocopies:
- Printout of the interview call letter and the system-generated online application
- Proof of date of birth (birth certificate or Std. X certificate)
- Valid photo identity proof (PAN, Passport, Driving Licence, Voter ID, Aadhaar, etc. — Ration Card and Learner’s Licence are not accepted)
- Mark sheets and certificates for the qualifying education, with proof the result was declared on or before 1 June 2026
- Caste certificate in the prescribed format for SC/ST/OBC candidates (OBC non-creamy-layer certificate must be dated on or after 1 April 2026)
- Income and Asset Certificate for EWS candidates, based on FY 2025-26 income
- Disability certificate and UDID for PWD candidates, plus scribe bio-data where applicable
- Discharge book/pension order for Ex-servicemen candidates
- No Objection Certificate for candidates currently employed in Government/PSU roles
- Relevant experience certificates, where applicable
Candidates who cannot produce the required documents at the time of interview will not be permitted to appear, and no documents are to be sent directly to the Bank before or after the interview.
Important Links
| Description | Link |
|---|---|
| Official Website | bankofindia.bank.in |
| Apply Online (via Career section) | bankofindia.bank.in → Career |
| Official Notification PDF | https://regalcareer.com/wp-content/uploads/2026/07/Final-Notice_Credit-Officers-2026_202701_date_01-06-2026.pdf |
| Explore More Bank Jobs | Bank Jobs on Regal Career |
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Check Results →Frequently Asked Questions
What is the last date to apply for Bank of India Credit Officer Recruitment 2026?
The online application window is open from 30 June 2026 to 20 July 2026.
How many vacancies are there in BOI Credit Officer Recruitment 2026?
There are 779 vacancies in total — 677 in MMGS-II, 61 in MMGS-III and 41 in SMGS-IV — including 475 unfilled vacancies carried forward from Project 2025-26/01.
What is the application fee for BOI Credit Officer 2026?
SC, ST and PWD candidates pay ₹175 as intimation charges. General and other candidates pay ₹850, inclusive of application fee and intimation charges.
What is the selection process for BOI Credit Officer Recruitment 2026?
Selection is through an online examination and/or personal interview. Where both are held, the online exam and interview are weighted 70:30. The Bank may also select purely on interview if the online exam is not conducted.
What is the age limit for BOI Credit Officer Recruitment 2026?
As on 1 June 2026, candidates must be 25–32 years (MMGS-II), 28–38 years (MMGS-III) or 32–45 years (SMGS-IV), with age relaxation available for reserved categories.
Can I apply for more than one scale or post?
No. A candidate may apply for only one post. If multiple applications are submitted, only the latest completed application is retained and fees paid for the others are forfeited.
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Independent information platform: Regal Career is an independent career information platform and is not affiliated with Bank of India or any government organisation. Vacancy numbers, dates and eligibility criteria are provisional and summarised from the official notification dated 01.06.2026 — candidates must verify every detail from the official Bank of India notification before applying.