Bank of India Credit Officer Recruitment 2026: Apply for 779 Posts

Bank of India, a prominent public sector bank, has announced a significant recruitment drive for the post of Credit Officer (General Banking Officer – GBO Stream). A total of 779 vacancies are available across various management grades, presenting a substantial opportunity for banking aspirants in Assam and across India. Interested and eligible candidates must submit their applications online before the deadline of July 20, 2026. This recruitment is conducted under Project No. 2026-27/01.

Key Highlights

About the Organization

Bank of India (BOI) is one of India’s leading public sector banks, with its headquarters in Mumbai. Established in 1906, it has a significant presence both domestically and internationally, offering a wide array of banking and financial services. BOI is known for its commitment to customer service and its role in the nation’s economic development. The bank provides diverse career opportunities and fosters professional growth, making it a preferred employer for banking professionals.

Vacancy Details

The recruitment drive aims to fill a total of 779 Credit Officer positions in the General Banking Officer (GBO) stream across different management grades. The distribution of vacancies is as follows:

These vacancies include reservations for various categories such as SC, ST, OBC, EWS, and General, as per the Government of India’s reservation policy. Detailed category-wise distribution can be found in the official notification.

Eligibility Criteria

Candidates must ensure they meet the minimum eligibility criteria as of June 01, 2026, concerning nationality, age, educational qualifications, and work experience.

Educational Qualification

• A Degree (Graduation) in any discipline from a recognized University/Institute with a minimum of 60% marks or an equivalent grade. A relaxation of 55% marks is applicable for SC/ST/OBC/PwBD candidates.
• Additionally, candidates possessing professional qualifications such as CA/CFA/CMA/ICWA certification are also eligible.
• For MMGS-II posts, an MBA/PGDBM/2-year postgraduate degree in Banking, Finance, or any credit-related field is also considered.
• For SMGS-IV posts, candidates must have a Graduation degree with the prescribed marks AND a full-time MBA/PGDBM/2-year Master’s degree in any discipline, or a CA/CFA/CMA/ICWA qualification from a recognized institution.
• Work Experience: Post-qualification experience in credit-related roles is mandatory for all scales. This experience ranges from a minimum of 3 years for MMGS-II to up to 8 years for SMGS-IV, as specified in the official notification.

Age Limit

The age limits are calculated as of June 01, 2026.

• MMGS-II: Minimum 25 years, Maximum 32 years
• MMGS-III: Minimum 28 years, Maximum 38 years
• SMGS-IV: Minimum 32 years, Maximum 45 years

Age Relaxation

• Age relaxation will be provided to candidates belonging to reserved categories (SC/ST/OBC/PwBD) as per the extant Government of India guidelines.

Nationality

A candidate must be either:

• A Citizen of India, or
• A subject of Nepal, or
• A subject of Bhutan, or
• A Tibetan Refugee who came over to India before 1st January 1962 with the intention of permanently settling in India, or
• A person of Indian origin who has migrated from Pakistan, Burma, Sri Lanka, East African countries of Kenya, Uganda, the United Republic of Tanzania (formerly Tanganyika and Zanzibar), Zambia, Malawi, Zaire, Ethiopia and Vietnam with the intention of permanently settling in India.

Candidates belonging to categories (ii), (iii), (iv) & (v) must possess a certificate of eligibility issued by the Government of India.

Salary & Pay Scale

Selected candidates will receive an attractive salary package along with various allowances and benefits as per Bank of India rules. The pay scales for the Credit Officer posts are:

• MMGS-II: ₹64,820 – ₹93,960
• MMGS-III: ₹85,920 – ₹1,05,280
• SMGS-IV: ₹1,02,300 – ₹1,20,940

In addition to the basic pay, officers are entitled to Dearness Allowance (DA), House Rent Allowance (HRA) or leased accommodation, City Compensatory Allowance (CCA wherever applicable), medical benefits, Leave Travel Concession (LTC), Provident Fund, National Pension System (NPS), gratuity, and other staff welfare benefits. The approximate monthly in-hand salary can range from ₹85,000 to ₹1,25,000 depending on the management scale and posting location.

Application Fee

The application fee is non-refundable and varies by category. Payment must be made online between June 30, 2026, and July 20, 2026.

Payment can be made using Debit/Credit Cards, Internet Banking, UPI, or Mobile Wallets. Bank transaction charges, if any, will be borne by the candidate.

Selection Process

The selection process for Bank of India Credit Officer Recruitment 2026 generally involves the following stages:

1. Online Written Examination: This test will comprise sections on English Language and Professional Knowledge (relevant to the post). The examination will consist of 125 objective-type questions carrying a total of 125 marks, to be completed in 120 minutes. There will be a negative marking of 0.25 marks for each wrong answer.
2. Interview: Candidates who qualify in the online examination will be shortlisted for a Personal Interview, which carries 100 marks. The minimum qualifying marks for General/EWS candidates are 50%, and for SC/ST/OBC/PwBD candidates, it is 45%.
3. Document Verification: Candidates will be required to produce original documents pertaining to their category, nationality, age, educational qualifications, and work experience at the time of the interview and any subsequent stage of the recruitment process.

The final selection will be based on the combined performance in the online written examination and the interview. Depending on the number of applicants, the Bank may decide to conduct only an interview.

How to Apply

Eligible and interested candidates can apply online for the Bank of India Credit Officer Recruitment 2026 by following these steps:

1. Visit the official Bank of India website at bankofindia.co.in.
2. Navigate to the ‘Career’ section on the homepage.
3. Click on the link titled “Recruitment of Credit Officers in GBO Stream Project No. 2026-27/01” or a similar notification.
4. Click on “Click Here for New Registration” to register yourself by providing basic details such as your name, contact details, and email ID. A provisional registration number and password will be generated.
5. Log in using the generated registration number and password.
6. Fill in the online application form with all required personal, educational, and professional details carefully.
7. Upload scanned copies of your recent passport-size photograph, signature, left thumb impression, and a handwritten declaration as per the specified guidelines.
8. Pay the applicable application fee online using Debit Card, Credit Card, Internet Banking, UPI, or Mobile Wallet.
9. Review all the entered details before final submission.
10. Submit the application form and take a printout of the confirmation page for future reference.

Important Dates

Important Links

Official Notification Reference

This recruitment is officially announced under Project No. 2026-27/01 for the “Recruitment of Credit Officers in GBO Stream in various scales” by Bank of India.

Frequently Asked Questions

What is the last date to apply for Bank of India Credit Officer Recruitment 2026?

The last date to apply online for the Bank of India Credit Officer Recruitment 2026 is July 20, 2026. Candidates are advised to complete their applications well in advance to avoid last-minute technical issues.

How many vacancies are available for Credit Officers in Bank of India?

Bank of India has announced a total of 779 vacancies for Credit Officers in the General Banking Officer (GBO) stream across MMGS-II, MMGS-III, and SMGS-IV scales.

What is the educational qualification required for these posts?

Candidates need a Graduation degree in any discipline with at least 60% marks (55% for reserved categories) from a recognized University/Institute. Additionally, professional qualifications like CA/CFA/CMA/ICWA or an MBA/PGDBM/2-year postgraduate degree in a relevant field are also preferred or required for certain scales.

Is prior work experience mandatory for Bank of India Credit Officer positions?

Yes, post-qualification experience in credit-related roles is mandatory for all scales. The required experience ranges from a minimum of 3 years for MMGS-II to up to 8 years for SMGS-IV, as detailed in the official notification.

What is the age limit for applying to the Bank of India Credit Officer posts?

The age limit varies by scale, calculated as of June 01, 2026. For MMGS-II, it is 25-32 years; for MMGS-III, 28-38 years; and for SMGS-IV, 32-45 years. Age relaxation is applicable for reserved categories as per government norms.

What is the selection process for Bank of India Credit Officer Recruitment?

The selection process typically includes an Online Written Examination followed by a Personal Interview. Document verification is also a crucial part of the process. The Bank may opt for only an interview depending on the number of eligible applicants.

What is the application fee for this recruitment?

The application fee is ₹175/- for SC/ST/PwBD candidates (intimation charges only) and ₹850/- for General/OBC/EWS and other categories (application fee + intimation charges).