BOI Credit Officer Recruitment 2026: Bank of India (BOI), a leading public sector bank with its head office in Mumbai, has announced a major recruitment drive for the position of Credit Officer under the General Banking Officer (GBO) Stream . This recruitment aims to fill 779 vacancies across various managerial scales, namely MMGS-II, MMGS-III, and SMGS-IV .
The Credit Officer role in Bank of India is a critical position focused on credit appraisal, loan processing, financial analysis, and risk assessment . Selected candidates will be placed in different managerial scales depending on their qualification, experience, and performance in the selection process . This is an excellent opportunity for experienced banking and finance professionals looking to join one of India’s premier public sector banks.
The recruitment process includes a detailed selection procedure comprising an online examination and/or interview . The online application window is now open, and candidates are advised to read the official notification thoroughly before applying. The last date for online application submission is 20 July 2026.
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Scheme Overview and Key Statistics
The Bank of India Credit Officer Recruitment 2026 is a comprehensive selection drive with specific parameters that candidates must understand before applying.
Overview Table:
| Particular | Details |
|---|---|
| Organization | Bank of India (BOI) |
| Recruitment Name | Credit Officer Recruitment 2026 |
| Project No. | 2026-27/01 |
| Post Name | Credit Officer (General Banking Officer Stream) |
| Total Vacancies | 779 |
| Scales | MMGS-II, MMGS-III, SMGS-IV |
| Application Mode | Online Only |
| Start Date | 30 June 2026 |
| Last Date | 20 July 2026 |
| Fee Payment Last Date | 20 July 2026 |
| Exam Date | To be announced |
| Official Website | bankofindia.co.in |
Vacancy Distribution:
| Scale | Total Vacancies |
|---|---|
| MMGS-II | 677 |
| MMGS-III | 61 |
| SMGS-IV | 41 |
| Grand Total | 779 |
Category-wise Breakdown :
| Category | MMGS-II | MMGS-III | SMGS-IV | Total |
|---|---|---|---|---|
| General (UR) | 274 | 22 | 21 | 317 |
| OBC | 180 | 16 | 9 | 205 |
| EWS | 69 | 8 | 3 | 80 |
| SC | 102 | 10 | 6 | 118 |
| ST | 52 | 5 | 2 | 59 |
| Total | 677 | 61 | 41 | 779 |
Important Note:
The total of 779 vacancies includes 475 unfilled positions from the previous recruitment exercise (Project 2025-26/01 dated 01.11.2025) .
Eligibility Criteria
Candidates must meet the eligibility criteria for the specific scale they are applying for. The requirements cover educational qualifications, work experience, and age limit.
Educational Qualification and Experience :
| Scale | Qualification | Experience |
|---|---|---|
| MMGS-II | Bachelor’s degree in any discipline with minimum 60% marks (55% for SC/ST/OBC/PwD) OR CA/CFA/CMA-ICWA/MBA/PGDBM | Minimum 3 years |
| MMGS-III | Bachelor’s degree in any discipline with minimum 60% marks (55% for SC/ST/OBC/PwD) OR CA/CFA/CMA-ICWA/MBA/PGDBM | Minimum 5 years |
| SMGS-IV | Bachelor’s degree in any discipline with minimum 60% marks (55% for SC/ST/OBC/PwD) OR CA/CFA/CMA-ICWA/MBA/PGDBM | Minimum 7 years |
Age Limit (as on 01 June 2026) :
| Scale | Minimum Age | Maximum Age |
|---|---|---|
| MMGS-II | 25 Years | 32 Years |
| MMGS-III | 28 Years | 38 Years |
| SMGS-IV | 32 Years | 45 Years |
Age Relaxation:
| Category | Relaxation |
|---|---|
| SC / ST | 5 Years |
| OBC (Non-Creamy Layer) | 3 Years |
| PwBD | 10 Years |
| Ex-Servicemen | 5 Years |
Nationality Requirements:
- Citizen of India, or
- Citizen of Nepal or Bhutan, or
- Tibetan Refugee who came to India before 01 January 1962 with the intention of permanently settling in India, or
- Person of Indian Origin migrated from specified countries with Government of India eligibility certificate .
Application Fee Structure
The application fee is non-refundable and must be paid online using debit card, credit card, net banking, UPI, wallet, or QR code .
Fee Details:
| Category | Application Fee |
|---|---|
| General / OBC / EWS | ₹850/- |
| SC / ST / PwBD | ₹175/- |
Important Notes:
- Payment must be made online only between 30 June 2026 to 20 July 2026 .
- Bank transaction charges will be borne by the candidate .
- Payments via Demand Draft, Cheque, Money Order, or Postal Order are not accepted .
- The application fee once paid will not be refunded .
How to Apply Online
The online application process for BOI Credit Officer Recruitment 2026 is available on the official Bank of India website. Follow the steps below to apply successfully.
Step-by-Step Application Process :
Step 1: Visit the official Bank of India website: bankofindia.co.in
Step 2: Go to the “CAREER” section and open the Credit Officer Recruitment 2026 notification .
Step 3: Click on “Apply Online” and select “New Registration”.
Step 4: Enter basic details to generate Registration Number and Password (sent via SMS/email) .
Step 5: Fill in personal, educational, and experience details in the application form .
Step 6: Upload scanned documents including photograph, signature, thumb impression, and declaration .
Step 7: Use “Save and Preview” option to verify all details carefully .
Step 8: Click on “Complete Registration” (no changes allowed after this step) .
Step 9: Pay the application fee online through debit card, credit card, net banking, UPI, wallet, or QR .
Step 10: Download and print the application form and e-receipt for future reference .
Document Scanning Specifications :
| Document | Size | Guidelines |
|---|---|---|
| Photograph | Clear passport-size image | Not older than three months |
| Signature | 10–20 KB | Black ink on white paper; not capital letters |
| Left Thumb Impression | 20–50 KB | Black/blue ink on white paper |
| Handwritten Declaration | 50–100 KB | English, black ink, white paper |
Handwritten Declaration Text:
“I, _ (Name of the candidate), hereby declare that all the information submitted by me in the application form is correct, true and valid. I will present the supporting documents as and when required.”
Exam Pattern and Selection Process
The selection process consists of an online examination and/or interview, depending on the number of applicants . The final merit list is prepared by combining marks from both stages with a 70% weightage for the written exam and 30% for the interview .
Selection Process :
- Online Written Examination
- Personal Interview
- Document Verification
- Medical Examination
Exam Pattern :
| Section | Questions | Marks |
|---|---|---|
| General Studies, English Language, Reasoning, Quantitative Aptitude | 75 | 75 |
| Professional Knowledge | 75 | 75 |
| Total | 150 | 150 |
Key Exam Details:
- Duration: 120 minutes
- Language: Bilingual (except English section)
- Negative Marking: 0.25 mark deducted for each incorrect response
- English Language Section: Qualifying in nature
Important Note on Examination:
Bank of India reserves the right to decide whether to conduct the online examination. If the examination is not conducted, selection may be based solely on the interview .
Salary, Pay Scale, and Benefits
Selected candidates will receive an attractive salary package with allowances and benefits according to the applicable scale. The pay structure is outlined below:
Pay Scale :
| Scale | Pay Scale |
|---|---|
| MMGS-II | ₹64,820 – ₹93,960 |
| MMGS-III | ₹85,920 – ₹1,05,280 |
| SMGS-IV | ₹1,02,300 – ₹1,20,940 |
Additional Benefits:
Selected candidates will receive:
- Dearness Allowance (DA)
- House Rent Allowance (HRA)
- City Compensatory Allowance (CCA)
- Medical Benefits
- Leave Travel Concession (LTC)
- Provident Fund
- Pension Benefits
- Performance Linked Incentives
- Other Bank Allowances
Security Deposit:
Selected candidates are required to deposit a refundable security amount :
| Scale | Security Deposit |
|---|---|
| MMGS-II | ₹2,00,000 |
| MMGS-III | ₹3,00,000 |
| SMGS-IV | ₹3,00,000 |
The security deposit will be refunded after 3 years of satisfactory service .
Admit Card Download Process
The admit card (call letter) is a mandatory document for entry to the examination centre. Candidates will not be permitted to sit for the examination without a valid admit card .
Steps to Download Admit Card :
Step 1: Visit the official website: bankofindia.co.in
Step 2: Click on the “Career” link under Important Links.
Step 3: On the new page, click on “Recruitment Notice”.
Step 4: Look for “Download call letter – Recruitment of Credit Officers”.
Step 5: Click on the provided link for downloading the call letter.
Step 6: Enter your registration number and password.
Step 7: Fill in the captcha code displayed.
Step 8: Submit, download the admit card, and take a printout.
What to Carry to Exam Centre :
- A printed copy of the admit card
- A valid original photo identity proof (Voter ID, PAN Card, Aadhaar Card, Driving Licence, or Passport)
- Passport-size photograph (if mentioned in instructions)
Documents Required for Application
Candidates should keep the following documents ready before starting the online application process :
Document Checklist:
| Document | Purpose |
|---|---|
| Passport Size Photograph | Identity and application form |
| Signature | Application verification |
| Left Thumb Impression | Biometric verification |
| Handwritten Declaration | Application confirmation |
| Graduation Certificate | Educational qualification verification |
| Professional Qualification Certificate | CA/CFA/CMA-ICWA etc. |
| Experience Certificate | Work experience verification |
| Category Certificate | SC/ST/OBC/EWS reservation |
| PwBD Certificate | Person with Disability reservation |
| Valid Photo ID | Identity verification |
Important Links and Official Resources
Having access to correct official resources is crucial for successful application and tracking. Here are all the essential links and official portals.
Official Websites:
| Portal Name | URL | Purpose |
|---|---|---|
| Bank of India Official | bankofindia.co.in | Main portal, application link, admit card |
| Bank of India Career Page | bankofindia.co.in/career | Job notifications and recruitment updates |
Important Links:
| Resource | Description |
|---|---|
| Notification PDF | Official BOI Credit Officer Recruitment notification |
| Short Notification PDF | Summary of key recruitment details |
| Apply Online Link | Direct link to the application form |
| Qualification Details | Post-wise eligibility details |
Frequently Asked Questions (FAQs):
When did the BOI Credit Officer 2026 application process start?
The online application process started on 30 June 2026. The notification was released on 29 June 2026 .
How many vacancies are released for BOI Credit Officer Recruitment 2026?
A total of 779 vacancies have been announced across MMGS-II, MMGS-III, and SMGS-IV scales .
What is the last date to apply for Bank of India Credit Officer 2026?
The last date to submit the application form and pay the fee is 20 July 2026 .
What is the educational qualification required for BOI Credit Officer posts?
Candidates must have a Bachelor’s degree in any discipline with minimum 60% marks (55% for SC/ST/OBC/PwD) OR professional qualifications like CA, CFA, CMA-ICWA, MBA, PGDBM. Experience requirements vary by scale: 3 years for MMGS-II, 5 years for MMGS-III, and 7 years for SMGS-IV .
What is the age limit for BOI Credit Officer Recruitment?
Age limits vary by scale: MMGS-II (25-32 years), MMGS-III (28-38 years), and SMGS-IV (32-45 years) as on 01 June 2026 .
What is the application fee for BOI Credit Officer 2026?
General/OBC/EWS candidates must pay ₹850, while SC/ST/PwBD candidates pay ₹175 .
What is the exam pattern for BOI Credit Officer Recruitment 2026?
The exam consists of 150 questions for 150 marks, divided into two sections: General Studies/Reasoning/Aptitude (75 questions) and Professional Knowledge (75 questions). The total duration is 120 minutes with 0.25 negative marking .
What is the selection process for BOI Credit Officer?
The selection process includes an Online Examination (70% weightage) followed by a Personal Interview (30% weightage). Bank of India may decide to skip the examination and conduct only interviews .
What is the pay scale for BOI Credit Officer posts?
Pay scales are: MMGS-II (₹64,820 – ₹93,960), MMGS-III (₹85,920 – ₹1,05,280), and SMGS-IV (₹1,02,300 – ₹1,20,940) .
What is the security deposit for BOI Credit Officer?
Selected candidates must deposit a refundable security amount: MMGS-II (₹2,00,000), MMGS-III (₹3,00,000), and SMGS-IV (₹3,00,000) .