Bank of India Credit Officer Recruitment 2025-26 Bank of India, a leading Public Sector Bank, has officially released the Credit Officer Recruitment Notification 2025–26 under GBO Stream vide Project No. 2025-26/01 dated 01 November 2025. Through this Bank of India Credit Officer Recruitment 2025-26 drive, the bank aims to fill 514 Credit Officer vacancies across MMGS-II, MMGS-III and SMGS-IV scales.
The online application process will start from 20 December 2025 and the last date to apply online is 05 January 2026. Based on previous recruitment trends, it is expected that more than 2.5 to 3 lakh candidates may apply for this recruitment due to attractive pay scale, promotion prospects and nationwide postings.
Candidates must apply through the official website and for Latest & Easy-to-Read Updates and Simplified Details, visit GovtJobLink.com.
Table of Contents
Bank of India Credit Officer Recruitment 2025-26 – Credit Officer Recruitment Notification 2025–26
Bank of India Credit Officer Recruitment 2025-26 –Notification No. 2025-26/01 dated 01 November 2025
Govt Jobs Simplified on GovtJobLink.com
Bank of India Credit Officer Recruitment 2025-26 : Important Dates & Application Fee
| Important Dates | Application Fee |
|---|---|
| Application Start Date -20 /12 / 2025 | SC / ST / PwBD – ₹175 |
| Last Date to Apply – 05 / 01 / 2026 | General / OBC / EWS – ₹850 |
| Relevant Date for Age & Qualification – 01 November 2025 | Fee includes GST |
| Online Exam Date – To be notified | Payment Mode – Online only |
| Admit Card – Before Exam | Debit Card / Credit Card / Net Banking / UPI |
Bank of India Credit Officer Recruitment 2025-26 : Age Limit & Eligibility Details
| Age Limit (As on 01.11.2025) | Educational Eligibility (Indicative) |
|---|---|
| MMGS-II – 25 to 35 Years | Graduation / Professional Degree as per Annexure-I |
| MMGS-III – 28 to 38 Years | Relevant Banking / Credit Experience required |
| SMGS-IV – 30 to 40 Years | Higher experience in Credit / Banking |
| Age relaxation applicable as per Govt rules | Minimum 60% marks (55% for reserved categories) |
Bank of India Credit Officer Recruitment 2025-26 : Vacancy Details
| Post | Scale | Total Vacancies |
|---|---|---|
| Credit Officer | MMGS-II | 418 |
| Credit Officer | MMGS-III | 60 |
| Credit Officer | SMGS-IV | 36 |
| Total Vacancies | 514 |
Bank of India Credit Officer Recruitment 2025-26 : How to Apply Online & Required Documents
| How to Apply – Step-by-Step Guide | Required Documents |
|---|---|
| Candidates must apply only through online mode from the official Bank of India website. The application link will be active from 20 December 2025. | Candidates must keep scanned copies of all required documents ready before starting the application. |
| Visit the official website bankofindia.bank.in and click on the Career section. | Recent Passport Size Photograph (as per size instructions) |
| Click on “Recruitment of Credit Officers in GBO Stream Project No. 2025-26/01”. | Signature, Left Thumb Impression, Handwritten Declaration |
| Select Apply Online and register using a valid email ID and mobile number. | Educational Certificates & Mark Sheets |
| A Registration Number and Password will be generated and sent via SMS/email. | Experience Certificates (if applicable) |
| Login again and fill personal, educational, and professional details carefully. | Caste Certificate / EWS Certificate / PwBD Certificate (if applicable) |
| Upload photograph, signature, thumb impression and handwritten declaration in prescribed format. | Valid Photo ID Proof – Aadhaar / PAN / Passport / Voter ID |
| Preview the application carefully before final submission. | Ex-Servicemen / Special Category Certificates, if applicable |
| Pay the application fee using Debit Card / Credit Card / Net Banking / UPI. | All documents must be clear, readable and genuine |
| After successful payment, download and print the Application Form & E-Receipt. | Originals must be produced at the time of Interview / Document Verification |
| Any incorrect or false information may lead to cancellation of candidature. | Failure to produce documents may lead to disqualification |
| Candidates are advised to apply well before the last date to avoid technical issues. | Documents will be verified strictly as per official notification |
| For detailed visual guidance, candidates can visit our YouTube channel @govtjoblink. | Keep documents ready till completion of recruitment |
Bank of India Credit Officer Recruitment 2025-26 : Selection Process & Pay Scale
| Selection Process | Pay Scale & Benefits |
|---|---|
| Selection will be based on Online Examination and/or Personal Interview depending on number of applicants. | Selected candidates will receive attractive salary along with allowances. |
| Stage 1 – Online Examination (if conducted) | MMGS-II: ₹64,820 – ₹93,960 |
| Exam consists of English, Reasoning, Quantitative Aptitude and Professional Knowledge. | MMGS-III: ₹85,920 – ₹1,05,280 |
| English section is qualifying in nature and marks will not be added to merit. | SMGS-IV: ₹1,02,300 – ₹1,20,940 |
| There is negative marking of 0.25 marks for each wrong answer. | Additional benefits include DA, HRA, CCA, Medical, LTC, Pension, Gratuity |
| Stage 2 – Interview for candidates shortlisted from online exam. | Promotion prospects as per Bank of India Promotion Policy |
| Final merit list prepared with 70:30 weightage (Exam : Interview). | Officers can grow to senior leadership roles over time |
| In case online exam is not conducted, selection will be Interview-only. | Posting may be anywhere in India |
Bank of India Credit Officer Recruitment 2025-26 : Exam Pattern & Syllabus
| Exam Pattern (Online Test) | Syllabus Overview |
|---|---|
| Total Questions – 150 | English Language – Grammar, Vocabulary, Comprehension |
| Total Marks – 150 | Reasoning Ability – Logical Reasoning, Puzzles, Seating |
| Duration – 120 Minutes | Quantitative Aptitude – Arithmetic, Data Interpretation |
| English Language – 25 Qs (25 Marks) | Professional Knowledge – Credit, Banking, Finance |
| Reasoning – 25 Qs (25 Marks) | Banking Regulations, RBI Guidelines |
| Quantitative Aptitude – 25 Qs (25 Marks) | Credit Appraisal, Risk Management |
| Professional Knowledge – 75 Qs (75 Marks) | NPA, SARFAESI, Basel Norms |
| Minimum qualifying – 35% (Gen/EWS) | Syllabus focuses on practical banking knowledge |
| SC/ST/OBC/PwBD get 5% relaxation | Candidates with banking experience get advantage |
Important Useful Links for Apply Online, Download Notification
| IMORTANT LINKS | CLICK HERE FOR DIRECT LINKS |
|---|---|
| 1. Apply Online Link | Available Soon |
| 2. Download Notification PDF | Click Here to Download Notification |
| 3. Official Website Link | Click Here for bankofindia.bank.in |
| 4. WhatsApp Channel Link | Join us on WhatsApp |
| 5. Telegram Channel Link | Join us on Telegram |
| 6. YouTube Channel Link | Follow us on YouTube |
| 7. Instagram Channel Link | Follow us on Instagram |
| 8. Facebook Page Link | Follow us on Facebook |
Bank of India Credit Officer Recruitment 2025-26 : Exam Preparation Strategy
How to Prepare for Bank of India Credit Officer Exam 2025–26
Candidates preparing for Bank of India Credit Officer Recruitment 2025–26 must understand that this exam is not like entry-level bank exams. It focuses heavily on Professional Knowledge and practical banking concepts, especially related to Credit, Risk, and Lending.
Focused Preparation Strategy
1. Understand the Job Role First
Credit Officer roles demand strong knowledge of loan appraisal, credit risk, NPA management, and RBI guidelines. Preparation should be job-oriented, not just exam-oriented.
2. Give Maximum Weight to Professional Knowledge
Professional Knowledge carries 50% of total marks. Topics like Credit Appraisal, Financial Statements, NPA & SARFAESI, Basel Norms, MSME Lending must be prepared deeply.
3. Revise Banking Regulations Regularly
RBI circulars, priority sector norms, provisioning norms, and recent banking reforms should be revised weekly.
4. English Section – Qualifying but Important
Although English marks are not added to merit, failing English means elimination. Focus on comprehension, grammar basics, and banking vocabulary.
5. Practice Reasoning & Quant Daily
These sections are moderate but time-bound. Regular practice of DI, arithmetic, puzzles, and logical reasoning is essential.
6. Mock Tests Are Non-Negotiable
Attempt full-length mock tests to understand time management and weak areas. Analyze every mock seriously.
7. Previous Year Memory-Based Questions
Since BOI does not release official papers, memory-based questions are extremely useful for understanding pattern and difficulty.
8. Interview Preparation Should Start Early
Interview questions are largely based on your experience, credit cases handled, and banking scenarios.
Candidates should start with Professional Knowledge, then balance reasoning and quant, and keep English on revision mode.
Sample Questions & Recommended Books / Study Material
Sample Questions (Memory-Based – Indicative)
- What is Credit Appraisal and why is it important in banking?
- Explain the difference between Fund Based and Non-Fund Based facilities.
- What is NPA? Explain its classification norms.
- What is SARFAESI Act and when is it applicable?
- Explain DSCR in project finance.
- What are Basel III norms?
- What is Working Capital assessment?
- Difference between Term Loan and Cash Credit.
- What is Priority Sector Lending?
- Explain CRAR.
- What is Loan Syndication?
- Define MSME classification as per latest norms.
- What is Stress Asset Management?
- What are Early Warning Signals (EWS)?
- What is Debt Restructuring?
- Explain RBI’s role in credit control.
- What is Credit Rating?
- What is LTV Ratio?
- What is Provisioning in banking?
- Difference between Secured and Unsecured loans.
(Answers are not provided as per instruction)
Recommended Books / Study Material
• Indian Banking System – IIBF
• Credit Appraisal & Risk Management – CAIIB Material
• Banking Awareness – Arihant / Lucent
• RBI Circulars & Master Directions
• Previous Year Memory-Based Question PDFs
Frequently Asked Question (FAQ)
Question 1 – What is Bank of India Credit Officer Recruitment 2025-26 ?
Answer – It is a recruitment drive by Bank of India to fill 514 Credit Officer posts in GBO stream.
Question 2 – What is the last date to apply for Bank of India Credit Officer Recruitment 2025-26 ?
Answer – The last date to apply online is 05 January 2026.
Question 3 – What is the selection process for Bank of India Credit Officer Recruitment 2025–26?
Answer – Selection is through Online Examination and Interview.
Question 4 – Is there negative marking in Bank of India Credit Officer Exam 2025?
Answer – Yes, 0.25 marks are deducted for each wrong answer.
Question 5 – What is the salary of Credit Officer in Bank of India?
Answer – Salary ranges from ₹64,820 to ₹1,20,940 depending on scale.
Question 6 – Can freshers apply for Bank of India Credit Officer Recruitment 2025–26?
Answer – Eligibility depends on qualification and experience as per Annexure-I.
Question 7 – Is English qualifying in BOI Credit Officer Exam?
Answer – Yes, English is qualifying in nature.
Question 8 – Where will selected candidates be posted?
Answer – Posting can be anywhere in India.
Question 9 – How many vacancies are there in BOI Credit Officer Recruitment 2025–26?
Answer – A total of 514 vacancies are announced.
Question 10 – Where to apply for Bank of India Credit Officer Recruitment 2025–26?
Answer – Candidates must apply through the official Bank of India website.
Note: Applicants are strongly advised to carefully verify all details such as important dates, eligibility criteria, application fee, age limit, number of vacancies, experience requirements, and selection process from the official notification and official website before applying. Candidates must submit their applications only through the official website using the direct login link provided by the recruiting authority.
For the latest, easy-to-understand, and student-friendly government job updates, visit GovtJobLink.com – Latest Government Job Updates, where we also provide structured exam preparation guidance along with detailed exam pattern and syllabus information. For more government job notifications, candidates are encouraged to regularly check our Latest Jobs section.