Key Takeaways
- The Bank of India Credit Officer Notification for 2025–26 has been released with 514 vacancies across three scales: MMGS-II, MMGS-III, and SMGS-IV.
- Application dates for BOI Credit Officer are 20 December 2025 to 05 January 2026
- Selection includes an online exam and/or interview, focusing on professional expertise and managerial suitability.
- Candidates need relevant work experience and must meet specific eligibility criteria for the chosen scale.
- Salaries start at ₹64,820 for MMGS-II, ₹85,920 for MMGS-III, and ₹102,300 for SMGS-IV, along with additional allowances.
Bank of India has officially released the Credit Officer Recruitment 2025–26 notification for hiring experienced banking professionals under the General Banking Officer (GBO) stream. A total of 514 vacancies have been announced across MMGS-II, MMGS-III, and SMGS-IV scales.
This recruitment is aimed at strengthening credit operations and risk management functions. The online application process will be active from 20 December 2025 to 05 January 2026, and eligible candidates must apply within this limited window.
Is the Bank of India Credit Officer Notification 2025-26 Out?
Yes, the Bank of India Credit Officer Recruitment 2025–26 notification has been officially released. The notification provides complete details regarding vacancies, eligibility criteria, age limits, selection process, exam pattern, application fees, and salary structure. Candidates are advised to read the notification carefully before applying to ensure they meet the eligibility requirements for their chosen scale.
Bank of India Credit Officer Recruitment 2025–26
The recruitment offers a structured career path with attractive pay scales and defined selection stages for mid- and senior-level management roles.
| Particulars | Details |
| Organisation | Bank of India |
| Post | Credit Officer (GBO) |
| Scales | MMGS-II, MMGS-III, SMGS-IV |
| Total Vacancies | 514 |
| Application Dates | 20 Dec 2025 – 05 Jan 2026 |
| Selection Process | Online Exam & Interview |
| Experience Required | Yes (Post-specific) |
| Official Website | www.bankofindia.bank.in |
How many vacancies are released under Bank of India Credit Officer Recruitment 2025–26?
A total of 514 vacancies have been released across three scales under the GBO stream with category-wise reservation.
| Scale | SC | ST | OBC | EWS | UR | Total |
| SMGS-IV | 5 | 2 | 9 | 3 | 17 | 36 |
| MMGS-III | 9 | 4 | 16 | 6 | 25 | 60 |
| MMGS-II | 62 | 31 | 112 | 41 | 172 | 418 |
| Total | 76 | 37 | 137 | 50 | 214 | 514 |
What is the eligibility criteria for Bank of India Credit Officer 2025–26?
Candidates must meet the age, educational qualification, and work experience requirements as of 01 November 2025. Eligibility conditions vary according to the scale applied for. Only candidates fulfilling all eligibility conditions on the cut-off date will be considered for the selection process.
What are the educational qualifications and experience required for a Bank of India credit officer?
The educational qualification and experience requirements differ for each scale under the GBO stream.
| Scale | Educational Qualification | Preferred Qualification | Experience |
| MMGS-II | Graduation with 60% (55% for reserved categories) | CA / CFA / CMA-ICWA or MBA / PGDBM or 2-year Master’s in Banking/Finance | 3 years as officer + 2 years in MSME/Commercial/Project/Mid & Large Credit |
| MMGS-III | Graduation with 60% (55% for reserved categories) | CA / CFA / CMA-ICWA or MBA / PGDBM or 2-year Master’s in Banking/Finance | 5 years as officer + 3 years in credit-related roles |
| SMGS-IV | Graduation with 60%+ MBA/PGDBM or Master’s or CA/CFA/CMA | IIBF Credit/Trade Finance/MSME Certification | 8 years as officer + 5 years in credit roles |
What is the age limit for Bank of India Credit Officer 2025–26?
The age limit varies according to the scale applied for and is calculated as of 01 November 2025.
- MMGS-II: 25 to 35 years
- MMGS-III: 28 to 38 years
- SMGS-IV: 30 to 40 years
Age relaxation will be applicable as per Government of India norms.
What is the selection process for Bank of India Credit Officer Recruitment 2025–26?
The selection process is designed to assess both professional expertise and managerial suitability.
- Selection will be through an Online Examination and/or interview.
- The bank may conduct only an interview if the number of applicants is limited
- The final merit will be prepared based on performance in applicable stages
- Bank of India reserves the right to shortlist candidates at any stage
What is the exam pattern for the Bank of India Credit Officer Online Test?
The online examination will be objective in nature and conducted for a total of 150 marks. English Language section is qualifying in nature.
| Section | Questions | Marks | Duration |
| English Language | 25 | 25 | |
| Reasoning | 25 | 25 | |
| Quantitative Aptitude | 25 | 25 | |
| Professional Knowledge | 75 | 75 | |
| Total | 150 | 150 | 120 minutes |
What is the salary for Bank of India credit officers?
Selected candidates will receive attractive pay along with allowances such as DA, HRA, CCA, medical benefits, and pension.
- MMGS-II: Starting at ₹64,820
- MMGS-III: Starting at ₹85,920
- SMGS-IV: Starting at ₹102,300
FAQs on Bank of India Credit Officer Recruitment 2025–26
Q1: How many vacancies are announced under Bank of India Credit Officer Recruitment 2025–26?
A1: A total of 514 vacancies have been announced across MMGS-II, MMGS-III, and SMGS-IV scales under the GBO stream.
Q2: What are the application dates for Bank of India Credit Officer Recruitment 2025–26?
A2: The online application process will be open from 20 December 2025 to 05 January 2026.
Q3: Is work experience mandatory for Bank of India Credit Officer posts?
A3: Yes, relevant post-qualification work experience is mandatory, and the required years vary according to the scale applied for.
Q4: What is the selection process for Bank of India Credit Officer 2025–26?
A4: Selection will be conducted through an online examination and/or personal interview, depending on the number of eligible applicants.
Q5: Is there negative marking in the Bank of India Credit Officer online exam?
A5: Yes, 0.25 marks will be deducted for each incorrect answer in the online examination.
Hi, I’m Tripti, a senior content writer at Oliveboard, where I manage blog content along with community engagement across platforms like Telegram and WhatsApp. With 3+ years of experience in content and SEO optimization related to banking exams, I have led content for popular exams like SSC, banking, railways, and state exams.
