The Bank of India Credit Officer Recruitment 2025 offers a major opportunity for experienced professionals. Bank of India (BOI), a leading public sector bank, has announced 514 vacancies for Credit Officers in the General Banking Officer (GBO) stream. These positions span Middle Management Grade Scale-II (MMGS-II), Middle Management Grade Scale-III (MMGS-III), and Senior Management Grade Scale-IV (SMGS-IV).
Online applications are open from 20 December 2025 to 5 January 2026. Eligible candidates with relevant banking experience in credit processing can apply through the official website.
Bank of India Recruitment Overview
| Detail | Information |
|---|---|
| Recruiting Body | Bank of India (BOI) |
| Post Name | Credit Officer in GBO Stream |
| Total Vacancies | 514 |
| Scales | MMGS-II, MMGS-III, SMGS-IV |
| Job Location | Across India |
| Application Mode | Online |
| Application Dates | 20 December 2025 to 5 January 2026 |
| Official Website | bankofindia.co.in |
Vacancy Distribution for Bank of India Credit Officer Recruitment 2025
| Scale/Grade | Vacancies |
|---|---|
| Credit Officer (SMGS-IV) | 36 |
| Credit Officer (MMGS-III) | 60 |
| Credit Officer (MMGS-II) | 418 |
| Total | 514 |
Reservations apply as per Government of India guidelines. Candidates may apply for only one scale.
Eligibility Criteria (as on 1 November 2025)
Educational Qualification
- Bachelor’s degree in any discipline from a recognized university with minimum 60% marks (55% for SC/ST/OBC/PwBD).
Experience Requirements
- MMGS-II: At least 3 years as an officer in a bank/financial institution, including 2 years in MSME/commercial/corporate credit processing.
- MMGS-III: At least 5 years as an officer, including 3 years in relevant credit processing.
- SMGS-IV: At least 8 years as an officer, including 5 years in relevant credit processing.
Age Limit
- MMGS-II: 25–35 years
- MMGS-III: 28–38 years
- SMGS-IV: 30–40 years
Age relaxation: 5 years for SC/ST, 3 years for OBC (non-creamy layer), 10 years for PwBD, and as per rules.
Salary and Benefits
| Scale | Pay Scale (Approximate) |
|---|---|
| MMGS-II | ₹64,820 – ₹93,960 |
| MMGS-III | ₹85,920 – ₹1,05,280 |
| SMGS-IV | ₹1,02,300 – ₹1,20,940 |
Officers receive Dearness Allowance, House Rent Allowance, medical benefits, NPS, gratuity, and other perks.
Selection Process for BOI Credit Officer Recruitment 2025
Selection varies by applicant numbers:
- Online Examination (if conducted): Covers English (qualifying), Reasoning, Quantitative Aptitude, and Professional Knowledge (120 minutes, negative marking 0.25).
- Personal Interview.
Final merit combines exam and interview scores (or interview only).
Application Fee
| Category | Fee (incl. GST) |
|---|---|
| General/OBC/EWS | ₹850 |
| SC/ST/PwBD | ₹175 (intimation only) |
Pay online only.
Important Dates
| Event | Date |
|---|---|
| Notification Release | 17 December 2025 |
| Application Start | 20 December 2025 |
| Application End | 5 January 2026 |
Official Resources
Download Full Notification PDF: Get PDF Here
Official Website: Click Here To Visit
Application Portal: Apply Online
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How to Apply Online for Bank of India Credit Officer Recruitment 2025
- Visit bankofindia.co.in and go to ‘Careers’.
- Select the Credit Officer recruitment link (Project 2025-26/01).
- Register with basic details to get login credentials.
- Fill the form, upload photo, signature, thumb impression, and declaration.
- Pay the fee and submit.
- Save/print the application for records.
Important Guidelines
- Verify details against official documents.
- Vacancies are provisional.
- Check the official notification PDF on the BOI careers page for updates.
