Bank of India has released the detailed notification for the recruitment of Credit Officers in the General Banking Officer stream under Project Number 2026-27/01. Through this recruitment drive, the bank will fill 779 vacancies in Middle Management Grade Scale-II, Middle Management Grade Scale-III and Senior Management Grade Scale-IV.
This recruitment is mainly suitable for experienced banking and finance professionals who have worked in areas such as MSME credit, commercial credit, project finance or mid and large corporate credit. Fresh graduates without the required post-qualification experience are not eligible to apply.
The online application process commenced on 30 June 2026, and candidates can submit their applications until 20 July 2026. The relevant date for calculating age, qualification and experience is 1 June 2026. The online examination date will be announced separately by Bank of India.
BOI Credit Officer Recruitment 2026 Overview
| Particular | Recruitment Details |
|---|---|
| Recruiting Organisation | Bank of India |
| Recruitment Name | Recruitment of Credit Officers in GBO Stream |
| Project Number | 2026-27/01 |
| Post Name | Credit Officer – General Banking Officer Stream |
| Total Vacancies | 779 |
| Job Levels | MMGS-II, MMGS-III and SMGS-IV |
| Application Mode | Online |
| Job Location | Anywhere in India |
| Application Starting Date | 30 June 2026 |
| Last Date to Apply | 20 July 2026 |
| Eligibility Cut-off Date | 1 June 2026 |
| Examination Date | To be announced separately |
| Official Website | Bank of India official website |
The bank has stated that selected officers may be posted or transferred anywhere in India according to organisational requirements.
BOI Credit Officer Recruitment 2026 Post Names
The recruitment includes the following three officer-level posts:
| Post Name | Scale | Number of Vacancies |
|---|---|---|
| Credit Officer – GBO Stream | MMGS-II | 677 |
| Credit Officer – GBO Stream | MMGS-III | 61 |
| Credit Officer – GBO Stream | SMGS-IV | 41 |
| Total | 779 |
BOI Credit Officer Recruitment 2026 Total Vacancies
Bank of India has announced 779 Credit Officer vacancies. The notification also clarifies that these 779 posts include 475 unfilled vacancies carried forward from the previous Credit Officer recruitment exercise under Project Number 2025-26/01.
The number of vacancies is provisional and may be increased, reduced or otherwise modified according to the bank’s actual staffing requirements.
BOI Credit Officer Recruitment 2026 Category-Wise Vacancy Table
| Scale | SC | ST | OBC | EWS | General | Total |
|---|---|---|---|---|---|---|
| MMGS-II | 102 | 52 | 180 | 69 | 274 | 677 |
| MMGS-III | 10 | 5 | 16 | 8 | 22 | 61 |
| SMGS-IV | 6 | 2 | 9 | 3 | 21 | 41 |
| Total | 118 | 59 | 205 | 80 | 317 | 779 |
The recruitment also includes identified reservations for candidates with benchmark disabilities as specified in the official notification.
BOI Credit Officer Recruitment 2026 Job Location
The selected candidates can be posted at Bank of India branches, administrative offices, credit departments or other units located anywhere in India. Applicants should therefore be willing to work and accept transfers across the country.
BOI Credit Officer Recruitment 2026 Location-Wise Job Posts
Bank of India has not released a state-wise, city-wise or zone-wise distribution of the 779 vacancies.
| Recruitment Location | Number of Posts |
|---|---|
| Across India | 779 |
| State-wise or zone-wise distribution | Not specified |
Candidates should not treat the listed examination centres as job locations. Final posting will be decided by Bank of India according to its requirements.
BOI Credit Officer Recruitment 2026 Age Limit
The age of applicants will be calculated as on 1 June 2026.
| Credit Officer Post | Minimum Age | Maximum Age |
|---|---|---|
| MMGS-II | 25 years | 32 years |
| MMGS-III | 28 years | 38 years |
| SMGS-IV | 32 years | 45 years |
BOI Credit Officer Recruitment 2026 Age Relaxation
| Category | Upper Age Relaxation |
|---|---|
| Scheduled Caste and Scheduled Tribe | 5 years |
| OBC – Non-Creamy Layer | 3 years |
| Persons with Benchmark Disabilities | 10 years |
| Eligible Ex-Servicemen, ECOs and SSCOs | 5 years |
| Persons affected by the 1984 riots | 5 years |
The maximum age mentioned for each post applies to General and EWS candidates. Applicants claiming age relaxation must produce valid certificates in the prescribed format when required by the bank.
BOI Credit Officer Recruitment 2026 Educational Qualifications
Applicants must possess one of the following qualifications from a recognised university or institution:
A degree in any discipline with a minimum of 60% marks or an equivalent grade is required. Candidates belonging to SC, ST, OBC and PwBD categories are eligible with a minimum of 55% marks.
Alternatively, candidates possessing professional qualifications such as CA, CMA-ICWA, Company Secretary or CFA are also eligible, subject to fulfilment of the prescribed work-experience requirement.
BOI Credit Officer Recruitment 2026 Preferred Qualifications
The following qualifications and certifications are listed as preferred qualifications:
- Two-year postgraduate degree in Commerce, Banking, Finance, Management, Marketing or another credit-related field from a recognised institution.
- MBA or PGDBM.
- CA, CFA or CMA-ICWA.
- Certified Credit Professional qualification in Trade Finance or MSME from IIBF, Moody’s or another government-approved institution.
These are preferred qualifications and do not replace the mandatory educational and work-experience criteria.
BOI Credit Officer MMGS-II Recruitment 2026 Description
The Credit Officer MMGS-II position is a middle-management banking role with 677 vacancies. Officers appointed at this level are expected to support the appraisal, processing, documentation and monitoring of MSME, commercial, project finance and corporate credit proposals under the bank’s credit policies.
Candidates must be between 25 and 32 years of age and possess the required graduation or professional qualification.
Applicants must have at least three years of post-qualification experience as an officer. Out of this experience, at least two years should have been spent processing MSME credit, commercial credit, project finance or mid and large credit in a Scheduled Commercial Bank, Financial Institution or NBFC.
BOI Credit Officer MMGS-III Recruitment 2026 Description
The Credit Officer MMGS-III position has 61 vacancies. This is a more experienced managerial role that may involve appraisal of larger credit proposals, assessment of financial risks, monitoring of loan accounts and supervision of credit-related work.
Candidates must be between 28 and 38 years of age and possess the prescribed academic or professional qualification.
A minimum of five years of post-qualification experience as an officer is required. At least three years must be in the processing of MSME credit, commercial credit, project finance or mid and large credit in Scheduled Commercial Banks, Financial Institutions or NBFCs.
BOI Credit Officer SMGS-IV Recruitment 2026 Description
The Credit Officer SMGS-IV position has 41 vacancies and is the senior-most post included in this recruitment. The role is intended for experienced credit professionals who may be entrusted with senior-level appraisal, sanction recommendations, portfolio monitoring, risk assessment and management of large or complex credit accounts.
Candidates must be between 32 and 45 years of age.
Applicants need at least seven years of post-qualification experience as an officer, including at least four years of experience in MSME credit, commercial credit, project finance or mid and large credit in Scheduled Commercial Banks, Financial Institutions or NBFCs.
BOI Credit Officer Recruitment 2026 Eligibility Criteria
Candidates must satisfy all the following conditions:
- They must meet the nationality or citizenship requirements stated in the notification.
- They must possess the prescribed educational qualification as on 1 June 2026.
- They must have the required post-qualification officer-level experience.
- They must fall within the applicable age limit after considering eligible relaxation.
- They should be willing to work anywhere in India.
- They can apply for only one scale or post under this recruitment.
- Candidates who previously held a similar post in Bank of India are not eligible to apply.
Candidates must upload documents supporting their qualifications, certifications and work experience during online registration. Applications may be rejected when the uploaded documents do not establish the candidate’s eligibility.
BOI Credit Officer Recruitment 2026 Job-Wise Salary Details
| Credit Officer Scale | Basic Pay Scale |
|---|---|
| MMGS-II | ₹64,820 – ₹2,340 (1 increment) – ₹67,160 – ₹2,680 (10 increments) – ₹93,960 |
| MMGS-III | ₹85,920 – ₹2,680 (5 increments) – ₹99,320 – ₹2,980 (2 increments) – ₹1,05,280 |
| SMGS-IV | ₹1,02,300 – ₹2,980 (4 increments) – ₹1,14,220 – ₹3,360 (2 increments) – ₹1,20,940 |
The figures shown above represent the basic pay scales. Selected candidates will also receive applicable allowances, benefits and perquisites according to Bank of India rules.
BOI Credit Officer Recruitment 2026 Salary and Benefits
In addition to basic pay, selected officers may receive admissible benefits such as Dearness Allowance, House Rent Allowance or leased accommodation, medical benefits, leave benefits, retirement benefits and other allowances applicable to Bank of India officers.
The exact gross monthly salary will depend on the place of posting, applicable allowances, deductions and the candidate’s position in the pay scale.
BOI Credit Officer Recruitment 2026 Selection Process
Selection will be conducted through an online examination and/or personal interview, depending on the number of eligible applicants received for each post.
The selection stages may include:
- Scrutiny of uploaded eligibility documents
- Online examination, when conducted
- Personal interview
- Verification of original documents
- Preparation of category-wise final merit list
- Medical examination and completion of appointment formalities
When both the online examination and interview are conducted, the final selection weightage will be:
| Selection Stage | Weightage |
|---|---|
| Online Examination | 70% |
| Personal Interview | 30% |
If the bank decides not to conduct an online examination, candidates may be shortlisted on the basis of qualification, experience and overall suitability, followed by an interview.
BOI Credit Officer Recruitment 2026 Online Exam Pattern
| Test Name | Questions | Maximum Marks | Duration |
|---|---|---|---|
| English Language | 25 | 25 | Composite duration |
| Professional Knowledge relevant to the post | 100 | 100 | Composite duration |
| Total | 125 | 125 | 120 minutes |
The English Language test will be qualifying in nature. Marks obtained in the Professional Knowledge test will be considered for preparing the online examination merit list.
A penalty of one-fourth of the marks assigned to a question will apply for every incorrect answer. No penalty will be imposed for unanswered questions.
BOI Credit Officer Recruitment 2026 Qualifying Marks
General and EWS candidates must ordinarily obtain at least 35% marks in each online test. Candidates belonging to SC, ST, OBC and PwBD categories applying against reserved vacancies receive a relaxation of five percentage points.
For the interview, the minimum qualifying percentage is 50% for General and EWS candidates and 45% for SC, ST, OBC and PwBD candidates.
BOI Credit Officer Recruitment 2026 Application Fee
| Candidate Category | Application Fee |
|---|---|
| SC, ST and PwBD candidates | ₹175 |
| General and all other candidates | ₹850 |
The fee includes GST. Bank transaction charges, when applicable, must be paid separately by the candidate. The application fee is non-refundable.
BOI Credit Officer Recruitment 2026 Important Dates
| Recruitment Event | Important Date |
|---|---|
| Notification Notice Date | 1 June 2026 |
| Online Application Starting Date | 30 June 2026 |
| Last Date for Online Registration | 20 July 2026 |
| Last Date for Application Fee Payment | 20 July 2026 |
| Eligibility Cut-off Date | 1 June 2026 |
| Online Examination Date | To be announced separately |
| Last Date to Print Submitted Application | 4 August 2026 |
BOI Credit Officer Recruitment 2026 Last Date to Apply
The last date to submit the Bank of India Credit Officer online application is 20 July 2026.
Candidates should complete registration, upload all required experience and qualification documents, pay the application fee and submit the form well before the closing date. Applications submitted through offline mode will not be accepted.
BOI Credit Officer Recruitment 2026 Security Deposit
Selected candidates must deposit a refundable security amount. It will be refunded after completing three years of satisfactory service. The amount may be forfeited when an officer leaves the bank before completing the required service period.
| Officer Scale | Security Deposit |
|---|---|
| MMGS-II | ₹2,00,000 |
| MMGS-III | ₹3,00,000 |
| SMGS-IV | ₹3,00,000 |
BOI Credit Officer Recruitment 2026 Important Links
| Important Recruitment Link | Access |
|---|---|
| BOI Credit Officer Detailed Notification | Open the official notification. |
| BOI Credit Officer Eligibility Annexure-I | View post-wise qualification and experience. |
| BOI Credit Officer Apply Online | Open the official IBPS registration portal. |
| Bank of India Recruitment Page | Check recruitment notices and future updates. |
| Bank of India Official Website | Visit the official BOI website. |
How to Apply for BOI Credit Officer Recruitment 2026
Candidates can submit their applications by following these steps:
- Visit the official Bank of India website.
- Open the Career section from the website.
- Select the recruitment notice titled “Recruitment of Credit Officers in GBO Stream Project No. 2026-27/01.”
- Click the Apply Online option.
- Select Click Here for New Registration.
- Enter the candidate’s name, mobile number, email address and other required details.
- Note the provisional registration number and password generated by the system.
- Complete the personal, educational and work-experience sections of the application.
- Upload the photograph, signature, left-thumb impression and handwritten declaration.
- Upload documents supporting educational qualifications, certifications and relevant work experience.
- Preview the application form and carefully verify every entry.
- Submit the application and pay the applicable fee through the available online payment method.
- Download the completed application form and e-receipt for future reference.
Candidates must ensure that their name and other personal details match their educational certificates and identity documents. Changes may not be permitted after final registration.
BOI Credit Officer Recruitment 2026 Important Instructions
Applicants should read the detailed notification and eligibility annexure before submitting the form. Merely registering for the recruitment or qualifying in one stage does not guarantee appointment.
Candidates employed in government departments or public sector organisations may be required to produce a No Objection Certificate at the interview stage. Original educational, experience, category and identity documents must also be produced when requested.
All future announcements concerning the examination date, call letters, interview schedule, results and appointment process will be published on the official Bank of India website.
BOI Credit Officer Recruitment 2026 Conclusion
The Bank of India Credit Officer Recruitment 2026 provides an important career opportunity for experienced professionals working in banking credit, project finance, MSME finance and corporate lending. With 779 vacancies across three management scales and a basic pay reaching ₹1,20,940 at the SMGS-IV level, the recruitment offers attractive career growth and officer-level benefits.
However, candidates should carefully verify their post-qualification experience before applying because the recruitment is not intended for fresh graduates. Eligible applicants must submit the online form on or before 20 July 2026.