The Bank of India (BOI), one of India’s leading Public Sector Banks, has officially announced a major recruitment drive under Project No. 2025–26/01 for the appointment of Credit Officers in the General Banking Officer (GBO) Stream. This recruitment initiative aims to strengthen the bank’s credit operations by onboarding skilled and experienced banking professionals.
Through this notification, BOI plans to fill a total of 514 vacancies across multiple officer grades, namely Scale-II, Scale-III, and Scale-IV. The recruitment presents an excellent career opportunity for professionals currently working in the banking and financial sector who are looking to advance their careers with a reputed government-owned bank.
The online application process will begin on 20 December 2025 and will remain open until 05 January 2026. Eligible candidates must submit their applications within this period through the official Bank of India recruitment portal, as no offline applications will be accepted.
The selection process for BOI Credit Officer Recruitment 2025 will consist of an Online Examination and/or a Personal Interview, depending on the number of applications received and the bank’s discretion. Candidates who qualify in the online test will be shortlisted for the interview stage, where their professional knowledge, experience, and suitability for the role will be assessed.
In this article, aspirants will find a comprehensive overview of the BOI Credit Officer recruitment, including vacancy distribution, eligibility requirements, age criteria, educational qualifications, exam pattern, selection process, and step-by-step application procedure, helping candidates prepare effectively and apply with confidence.
Highlights :
| Organization Name | Bank of India (BOI) |
| Post Name | Credit Officer |
| Stream | General Banking Officer (GBO) |
| Project Number | 2025–26/01 |
| Total Vacancies | 514 Posts |
| Job Type | Government Job (Public Sector Bank) |
| Application Mode | Online |
| Online Application Start Date | 20 December 2025 |
| Last Date to Apply Online | 05 January 2026 |
| Selection Process | Online Examination and/or Personal Interview |
| Job Location | Across India |
| Official Website | bankofindia.bank.in |
Total Vacancies :
| Post Name | Scale / Grade | Pay Scale Category | Number of Vacancies |
| Credit Officer | SMGS–IV | Senior Management Grade Scale IV | 36 |
| Credit Officer | MMGS–III | Middle Management Grade Scale III | 60 |
| Credit Officer | MMGS–II | Middle Management Grade Scale II | 418 |
| Total Vacancies | – | – | 514 Posts |
Age Limit :
(Age calculated as on 01 November 2025)
| Credit Officer | SMGS-IV | 30 Years | 40 Years |
| Credit Officer | MMGS-III | 28 Years | 38 Years |
| Credit Officer | MMGS-II | 25 Years | 35 Years |
| Total Vacancies | – | – | 514 Posts |
🔔 Age Relaxation (As per Government Rules)
| Category | Age Relaxation |
| SC / ST | 5 Years |
| OBC (Non-Creamy Layer) | 3 Years |
| Persons with Benchmark Disabilities (PwBD) | 10 Years |
Note: Age relaxation will be applicable only to eligible candidates belonging to reserved categories as per Government of India norms.
Educational Qualifications :
| Post Name | Scale / Grade | Educational Qualification | Minimum Relevant Experience |
| Credit Officer | SMGS-IV | Graduate Degree in any discipline from a recognized University | 8 Years of relevant experience in Banking / Financial Sector |
| Credit Officer | MMGS-III | Graduate Degree in any discipline from a recognized University | 5 Years of relevant experience in Banking / Financial Sector |
| Credit Officer | MMGS-II | Graduate Degree in any discipline from a recognized University | 3 Years of relevant experience in Banking / Financial Sector |
📌 Important Note
Candidates are strongly advised to carefully read Annexure-I of the official notification to understand the specific nature of experience required, eligibility conditions, and sector-wise experience norms applicable for each scale.
Application Fee :
| Category | Application Fee | Intimation Charges | Total Fee Payable |
| General | Included | Included | ₹850/- |
| EWS | Included | Included | ₹850/- |
| OBC (Non-Creamy Layer) | Included | Included | ₹850/- |
| SC | – | ₹175/- | ₹175/- |
| ST | – | ₹175/- | ₹175/- |
| PwBD | – | ₹175/- | ₹175/- |
| Online Payment | Debit Card, Credit Card, Net Banking |
📌 Important Instructions
- The application fee must be paid online only.
- Fee payment window: 20 December 2025 to 05 January 2026.
- Once paid, the fee is non-refundable under any circumstances.
- Transaction charges, if any, will be borne by the candidate.
Selection Process :
| Stage I | Online Examination | Objective type online test conducted to assess candidates’ professional knowledge, reasoning ability, and aptitude. |
| Stage II | Personal Interview | Candidates who qualify in the online examination will be shortlisted and called for a personal interview to evaluate subject knowledge, experience, and suitability for the role. |
| Stage III | Final Merit List | The final selection will be based on the combined performance in the Online Examination and Interview with a weightage of 70:30, respectively. |
📌 Important Note
- The Bank of India reserves the right to modify the selection process.
- If the number of eligible applicants is limited, the bank may conduct selection through Personal Interview only, without an online examination.
- Final appointment will be subject to document verification and medical fitness.
Important Dates :
| Notification Release Date | 17 December 2025 |
| Online Application Start Date | 20 December 2025 |
| Last Date to Submit Online Application | 05 January 2026 |
| Last Date for Online Fee Payment | 05 January 2026 |
| Online Examination Date | To be notified later |
| Interview Schedule | To be notified later |
Important Links :
| Apply Online | Click here Starts 20/12/2025 |
| Official Notification PDF | Click here |
| Official Website | Click here |
| Daily Visit Our Website & Check Latest Job Notification | Click here |
How to Apply for Bank of India Credit Officer ?
| Step 1 | Visit Official Website | Go to bankofindia.bank.in and navigate to the “Career” section. |
| Step 2 | Open Recruitment Link | Click on “Recruitment of Credit Officers in GBO Stream – Project No. 2025–26/01”. |
| Step 3 | New Registration | Select “Click here for New Registration” and enter basic details to generate registration credentials. |
| Step 4 | Upload Documents | Upload scanned Photograph, Signature, Left Thumb Impression, and Hand-Written Declaration as per prescribed format and size. |
| Step 5 | Fill Application Form | Carefully fill in personal, educational, and professional details, then click “Save & Next”. |
| Step 6 | Pay Application Fee | Pay the application fee online using Debit Card / Credit Card / UPI / Net Banking. |
| Step 7 | Final Submission | Submit the application form and download/print the confirmation page for future reference. |
FAQs :
| Question | Answer |
| What is the name of the recruiting organization? | The recruitment is conducted by Bank of India (BOI), a leading Public Sector Bank. |
| Which post is being recruited? | Credit Officer under the General Banking Officer (GBO) Stream. |
| What is the project number for this recruitment? | Project No. 2025–26/01. |
| How many total vacancies are available? | A total of 514 vacancies are announced. |
| What are the scales offered in this recruitment? | SMGS-IV, MMGS-III, and MMGS-II. |
| When does the online application start? | The online application process starts on 20 December 2025. |
| What is the last date to apply online? | The last date to submit the application is 05 January 2026. |
| What is the mode of application? | Applications can be submitted online only through the official website. |
| What is the age calculation date? | Age is calculated as on 01 November 2025. |
| What is the educational qualification required? | A Graduate degree from a recognized university is mandatory. |
| Is prior experience required for all posts? | Yes, relevant experience in the Banking/Financial sector is mandatory for all scales. |
| What is the application fee for General/OBC/EWS candidates? | ₹850/- (Application Fee + Intimation Charges). |
| What is the application fee for SC/ST/PwBD candidates? | ₹175/- (Intimation Charges only). |
| What is the selection process? | Selection will be through Online Examination and/or Personal Interview. |
| What is the weightage for final merit? | Online Exam: 70%, Interview: 30%. |
| Can BOI conduct interview-only selection? | Yes, if the number of applicants is limited, BOI may select candidates through interview only. |
| Where can candidates apply online? | Candidates can apply at bankofindia.bank.in under the Career section. |
| Is the application fee refundable? | No, the application fee is non-refundable. |
| When will the exam be conducted? | The exam date will be notified later on the official website. |