Bank of India Credit Officer Recruitment 2025 [514 Post] – Apply Online
📰 Job Title
Credit Officer (General Banking Officer Stream)
Bank of India (BOI)
🚨 Recruitment Opportunity
Total Vacancies: 514 Posts
Bank of India has officially released a notification for experienced professionals for Credit Officer posts under the GBO stream across MMGS-II, MMGS-III, and SMGS-IV scales[citation:1][citation:2].
📅 Post Date
Updated On: 18th December 2025
Notification Release Date: 17 December 2025[citation:1][citation:5]
🧾 Brief Description
The Bank of India (BOI) has released a major recruitment notification (Advt. No. 2025-26/01) for experienced banking professionals[citation:1][citation:3]. It aims to fill 514 vacancies for the post of Credit Officer in the General Banking Officer (GBO) stream across three scales: Middle Management Grade Scale-II (MMGS-II), MMGS-III, and Senior Management Grade Scale-IV (SMGS-IV)[citation:1][citation:9]. The online registration will be open for a limited period from 20 December 2025 to 5 January 2026[citation:2][citation:5].
Application Window: The online application link will be active from 20 December 2025 to 5 January 2026[citation:1][citation:5]. Candidates are advised to apply well before the closing date.
📆 Important Dates
| Event | Date |
|---|---|
| Notification Date | 17 December 2025 |
| Online Application Start Date | 20 December 2025 |
| Last Date to Apply Online | 05 January 2026 |
| Last Date for Fee Payment | 05 January 2026 |
| Cut-off Date for Age & Eligibility | 01 November 2025 |
| Online Examination Date | To be announced separately[citation:4] |
💰 Application Fee & Payment Mode
General / OBC / EWS Candidates: ₹850/- (Application Fee + Intimation Charges)[citation:2][citation:3]
SC / ST / PWD Candidates: ₹175/- (Intimation Charges only)[citation:2][citation:3]
Payment Mode: Online through Credit Card, Debit Card, Net Banking, or other digital payment modes[citation:3]. The fee is non-refundable[citation:2].
🎂 Age Limit (as on 01.11.2025)
Cut-off Date: 01 November 2025[citation:4]
- Credit Officer (MMGS-II): 25 to 35 Years[citation:1]
- Credit Officer (MMGS-III): 28 to 38 Years[citation:1]
- Credit Officer (SMGS-IV): 30 to 40 Years[citation:1]
Age Relaxation: Applicable as per Government of India norms for SC, ST, OBC (Non-Creamy Layer), PwBD, Ex-Servicemen, and other eligible categories[citation:4][citation:5].
🎓 Eligibility Criteria
1. Essential Educational Qualification: A Graduation degree in any discipline with minimum 60% marks (55% for SC/ST/OBC/PwBD categories) from a recognised University[citation:1][citation:3].
2. Preferred Qualifications & Experience: Professional certifications like CA, CFA, CMA-ICWA, or an MBA/PGDBM in Banking/Finance are highly preferred[citation:2][citation:5]. Crucially, candidates must have relevant post-qualification work experience in credit-related roles in scheduled banks or financial institutions[citation:2][citation:9].
For more complete information, kindly read the official notification (Annexure-I) for detailed scale-wise eligibility.
📊 Vacancy Details
Total Number of Posts: 514 Posts
Post Name: Credit Officer (General Banking Officer Stream)[citation:1]
| Scale / Post | Total Vacancies | Key Eligibility (Experience) |
|---|---|---|
| Credit Officer (MMGS-II) | 418 | 3 years as officer + 2 years in credit roles[citation:2][citation:9] |
| Credit Officer (MMGS-III) | 60 | 5 years as officer + 3 years in credit roles[citation:2][citation:9] |
| Credit Officer (SMGS-IV) | 36 | 8 years as officer + 5 years in credit roles[citation:2][citation:9] |
| Total | 514 |
📝 Exam Pattern & Syllabus
Selection Process: The selection will be through an Online Examination and/or Personal Interview, depending on the number of eligible applicants[citation:1][citation:4]. If both are conducted, the final merit will be based on a 70:30 weightage (Exam:Interview)[citation:3][citation:5].
Online Exam Pattern:
| Section | No. of Questions | Marks | Duration |
|---|---|---|---|
| English Language (Qualifying) | 25 | 25 | 120 Minutes (Composite)[citation:1][citation:4] |
| Reasoning Ability | 25 | 25 | |
| Quantitative Aptitude | 25 | 25 | |
| Professional Knowledge (Credit) | 75 | 75 | |
| Total | 150 | 150 |
Key Notes: The test is bilingual (English & Hindi). Negative marking of 0.25 marks for each wrong answer[citation:1]. Minimum qualifying marks apply[citation:3].
💼 Salary & Pay Scale
Selected candidates will be placed in the following pay scales along with Dearness Allowance, House Rent Allowance, City Compensatory Allowance, and other perks as per Bank rules[citation:2][citation:9].
| Scale / Post | Pay Scale (₹) [Basic Pay] |
|---|---|
| Credit Officer (MMGS-II) | 64,820 – 2,340(1) – 67,160 – 2,680(10) – 93,960[citation:1][citation:5] |
| Credit Officer (MMGS-III) | 85,920 – 2,680(5) – 99,320 – 2,980(2) – 1,05,280[citation:1][citation:5] |
| Credit Officer (SMGS-IV) | 1,02,300 – 2,980(4) – 1,14,220 – 3,360(2) – 1,20,940[citation:1][citation:5] |
🖊️ How To Apply Online
- Visit the official Bank of India career website: www.bankofindia.bank.in[citation:3][citation:5].
- Click on the ‘CAREER’ section and find the link for “Recruitment of Credit Officers in GBO Stream Project No. 2025-26/01”[citation:3].
- Click on ‘APPLY ONLINE’ and register by providing basic details[citation:3].
- Fill out the detailed application form carefully and upload scanned documents (photograph, signature, left thumb impression, handwritten declaration, and experience certificates) as per specified format and size[citation:3].
- Pay the application fee online[citation:3].
- Submit the form and take a printout of the application and e-receipt for future reference[citation:3].
Note: Candidates can apply for only one post/scale. Multiple applications may lead to the rejection of all[citation:3][citation:4].
🔗 Important Links
| Title | Link |
|---|---|
| Apply Online (Link Active from 20 Dec 2025) | Click Here |
| Download Official Notification (PDF) | Click Here |
| Official Website | bankofindia.bank.in |
| Homepage | Click Here |
❓ FAQ – Frequently Asked Questions
| Question | Answer |
|---|---|
| What is the start date to apply for BOI Credit Officer 2025? | 20 December 2025.[citation:1][citation:5] |
| What is the last date to apply online? | 05 January 2026.[citation:1][citation:5] |
| Is work experience mandatory for these posts? | Yes. Relevant post-qualification experience in credit roles in banks/financial institutions is mandatory for all scales[citation:2][citation:9]. |
| What is the selection process? | Online Examination and/or Personal Interview[citation:1][citation:4]. |
| How many vacancies are there? | A total of 514 vacancies across MMGS-II, MMGS-III, and SMGS-IV scales[citation:1]. |