BOI Recruitment 2026 [Released] for 779 Credit Officers Posts APPLY Now. Bank of India (BOI), one of India’s leading Public Sector Banks with its Head Office in Mumbai, has released a major recruitment notification for the post of Credit Officer (GBO Stream) under Project No. 2026-27/01 dated 01.06.2026.
BOI Recruitment 2026 [Released] for 779 Credit Officers Posts APPLY Now. This is one of the biggest banking job opportunities of the year, with a total of 779 vacancies spread across MMGS-II, MMGS-III, and SMGS-IV scales. In this article, we bring you complete details of BOI Credit Officer Recruitment 2026 including vacancy break-up, eligibility, age limit, application fee, selection process, salary, important dates, and how to apply online.
Bank of India Credit Officer Recruitment 2026 – Overview Table
Before going into the details, here is a quick snapshot of the BOI Credit Officer Recruitment 2026 notification for easy reference.
| Particulars | Details |
|---|---|
| Organisation | Bank of India (BOI) |
| Post Name | Credit Officer (GBO Stream) |
| Project No. | 2026-27/01 dated 01.06.2026 |
| Total Vacancies | 779 Posts |
| Scales Covered | MMGS-II, MMGS-III, SMGS-IV |
| Application Mode | Online Only |
| Online Registration Start Date | 30.06.2026 |
| Last Date to Apply Online | 20.07.2026 |
| Age Reckoning Date | 01.06.2026 |
| Online Exam Date | To be advised separately |
| Selection Process | Online Test and/or Personal Interview |
| Official Website | www.bankofindia.bank.in |
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About Bank of India (BOI) Recruitment 2026
Bank of India, headquartered at Star House, Plot C-5, “G” Block, Bandra-Kurla Complex, Bandra (East), Mumbai, is a well-established Public Sector Bank offering excellent career growth, job security, and attractive perks to its officers. Through this recruitment drive, BOI aims to fill 779 Credit Officer posts in the General Banking Officer (GBO) stream. Notably, this figure includes 475 unfilled vacancies carried forward from the previous recruitment exercise (Project 2025-26/01 dated 01.11.2025), making this an unusually large hiring drive. Selected candidates will be posted anywhere in India as per the Bank’s requirement and will follow the Bank’s extant Promotion Policy for future career growth alongside other General Banking Officers.
BOI Credit Officer Vacancy Details 2026 (Scale & Category Wise)
The 779 vacancies are distributed across three officer scales — MMGS-II, MMGS-III, and SMGS-IV. The category-wise reservation break-up is given below for candidates to check the number of seats available under their respective category.
| Scale | SC | ST | OBC | EWS | GEN | 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 |
Note: Total 779 vacancies include 475 unfilled vacancies of the previous recruitment exercise (Project 2025-26/01 dated 01.11.2025). Vacancy numbers are provisional and may vary as per the Bank’s actual requirement.
PWD (Persons With Disabilities) Vacancy Break-up
| HI (Hearing Impaired) | VI (Visually Impaired) | OC (Orthopedically Challenged) | ID (Intellectual Disability) |
|---|---|---|---|
| 8 | 8 | 8 | 7 |
BOI Credit Officer Age Limit 2026 (As on 01.06.2026)
The minimum and maximum age limit varies according to the scale/grade of the post applied for. Check the table below for scale-wise age eligibility.
| Scale | Minimum Age | Maximum Age |
|---|---|---|
| MMGS-II | 25 Years | 32 Years |
| MMGS-III | 28 Years | 38 Years |
| SMGS-IV | 32 Years | 45 Years |
Upper Age Relaxation Details
Candidates belonging to reserved categories are eligible for age relaxation in the upper age limit as per Government of India norms. The relaxation is applicable on a cumulative basis with only one other applicable category.
| Category | Age Relaxation |
|---|---|
| SC / ST | 5 Years |
| OBC (Non-Creamy Layer) | 3 Years |
| Persons with Benchmark Disabilities (PwBD) | 10 Years |
| Ex-Servicemen / Commissioned Officers (min. 5 years military service) | 5 Years |
| Persons Affected by 1984 Riots | 5 Years |
Candidates seeking age relaxation must produce the original and copies of relevant certificates at the time of interview and at any subsequent stage of the recruitment process. There is no separate reservation for Ex-Servicemen in the Officers’ Cadre; only age relaxation benefit is applicable.
BOI Credit Officer Educational Qualification & Pay Scale 2026
The detailed educational qualification and work experience criteria for each scale (MMGS-II, MMGS-III, SMGS-IV) are specified in Annexure-I attached to the official notification dated 01.06.2026. Candidates are strongly advised to download and carefully read Annexure-I from the official BOI website before applying, as eligibility will be strictly verified based on documents uploaded at the time of registration. The applicable pay scale for each grade is given below.
Detailed Educational Qualification Table
| Name of the Post and Scale |
Vaca ncy | Age | Educational Qualifications | Other Preferred Qualification/ Certification | Work Experience |
| Credit Officer (GBO Stream) – MMGS-II | 677 | 25-32 | A Degree (Graduation) in any discipline from recognized University/Institute with 60% marks or equivalent grade (55% for SC/ ST/ OBC/ PWBD) recognized by the Govt. of India or any equivalent qualification recognized as such by the Central Government OR CA/CMA-ICWA/CS/CFA OR | 2 Years Post-Graduation Degree in Commerce/ Banking/ Finance/ Management/ Marketing or any other Credit related filed from any Govt. recognized/ Approved university/ Institution OR MBA/ PGDBM/ CA/ CFA/ CMA- ICWA. Any Certified Credit Professional course in Trade Finance/ MSME from IIBF/ Moody’s/ any other Govt. approved recognized University/ Institution. |
Minimum 3 years’ post qualification experience as an officer out of which 2 years’ experience should be in processing of MSME Credit/ Commercial Credit / Project Finance / Mid & Large Credit in Scheduled Commercial Banks/ Financial Institutions/ NBFC. |
| Credit Officer (GBO Stream) – MMGS-III | 61 | 28-38 | A Degree (Graduation) in any discipline from recognized a University/Institute with 60% marks or equivalent grade (55% for SC/ ST/ OBC/ PWBD) recognized by the Govt. of India or any equivalent qualification recognized as such by the Central Government OR CA/ CMA-ICWA/ CS/ CFA | Minimum 5 years’ post qualification experience as an officer out of which 3 years’ experience should be in processing of MSME Credit/ Commercial Credit / Project Finance / Mid & Large Credit in Scheduled Commercial Banks/ Financial Institutions/ NBFC. | |
| Credit Officer (GBO Stream) – SMGS-IV | 41 | 32-45 | A Degree (Graduation) in any discipline from a University/ Institute with 60% marks or equivalent grade (55% for SC/ ST/ OBC/ PWBD) recognized by the Govt. Of India or any equivalent qualification recognized as such by the Central Government OR CA/ CMA-ICWA/ CS/ CFA. | Minimum 7 years’ post qualification experience as an officer out of which 4 years’ experience should be in processing of MSME/ Commercial Credit / Project Finance / Mid & Large Credit in in Scheduled Commercial Banks/ Financial Institutions/ NBFC. |
BOI Credit Officers Salary Particulars
| Post / Scale | Grade | Scale of Pay (Rs.) |
|---|---|---|
| Credit Officer | MMGS-II | 64820 – 2340(1) – 67160 – 2680(10) – 93960 |
| Credit Officer | MMGS-III | 85920 – 2680(5) – 99320 – 2980(2) – 105280 |
| Credit Officer | SMGS-IV | 102300 – 2980(4) – 114220 – 3360(2) – 120940 |
Apart from basic pay, selected candidates will be entitled to Dearness Allowance, House Rent Allowance, and other allowances/perquisites as applicable under Bank of India’s officer service rules.
BOI Credit Officer Application Fee 2026
The application fee/intimation charges must be paid online between 30.06.2026 and 20.07.2026. The fee structure category-wise is as follows.
| Category | Fee Amount (Inclusive of GST) |
|---|---|
| SC / ST / PWD | Rs. 175/- (Intimation Charges Only) |
| General & Others (including OBC & EWS) | Rs. 850/- (Application Fee + Intimation Charges) |
Payment can be made through Master/Visa/RuPay Debit/Credit Cards, Internet Banking, Cash Cards/Mobile Wallets, QR Code, or UPI. Bank transaction charges, if any, will have to be borne by the candidate. Fee once paid is non-refundable and payment by Demand Draft/Cheque/Money Order/Postal Order will not be accepted.
BOI Credit Officer Selection Process 2026
Selection for the post of Credit Officer will be made through an Online Test and/or Personal Interview, depending on the number of eligible applicants. The process consists of the following stages.
1. Online Examination Pattern
| Name of Test | No. of Questions | Maximum Marks | Duration |
|---|---|---|---|
| English Language | 25 | 25 | Composite Time of 120 Minutes |
| Professional Knowledge (relevant to post) | 100 | 100 | |
| Total | 125 | 125 | – |
The English Language Test is of qualifying nature only — marks scored in this section are not counted for merit list preparation. Both tests (except English) are available bilingually in English and Hindi. There is a negative marking of 1/4th mark for each wrong answer in the objective test.
2. Qualifying Marks Criteria
| Stage | General / EWS | SC / ST / OBC / PWD |
|---|---|---|
| Online Test (English & Professional Knowledge) | 35% | 30% (5% relaxation) |
| Interview | 50% | 45% |
3. Personal Interview & Final Merit List
Candidates securing the minimum qualifying marks and ranking sufficiently high in the online test will be called for interview in the ratio of 1:3 to the number of vacancies. If both Online Test and Interview are conducted, the final weightage will be 70:30 (Online Test : Interview). In case Online Examination is not conducted, selection will be based purely on Interview marks (out of 100). The merit list is prepared category-wise (SC/ST/OBC/EWS/GEN) in descending order of combined marks. In case of a tie, the candidate senior in age (Date of Birth) will be ranked higher.
How to Apply Online for BOI Credit Officer Recruitment 2026
Eligible candidates can apply only through the online mode from 30.06.2026 to 20.07.2026. No other mode of application will be accepted. Follow the step-by-step process below.
- Visit the official Bank of India website: www.bankofindia.bank.in
- Click on “CAREER” and then select “Recruitment of Credit Officers in GBO Stream Project No. 2026-27/01 Notice dated 01.06.2026”.
- Click on “APPLY ONLINE” to open the registration screen.
- Choose “Click here for New Registration” and enter your Name, Contact Details, and Email ID. Note down the Provisional Registration Number and Password generated by the system.
- Use “SAVE AND NEXT” to fill in the application in stages and verify all details carefully.
- Upload scanned Photograph, Signature, Left Thumb Impression, and Handwritten Declaration as per specified format and size.
- Fill in other details and upload relevant experience/educational certificates as required.
- Click “Preview” to verify the complete application before final submission.
- Click “COMPLETE REGISTRATION” only after ensuring all details and uploaded documents are correct — no changes are allowed thereafter.
- Proceed to the “Payment” tab and pay the requisite application fee/intimation charges online.
- On successful payment, take a printout of the e-Receipt and the system-generated online application form for future reference.
Document Upload Specifications
| Document | Dimensions | File Size |
|---|---|---|
| Photograph | 200 x 230 pixels | 20 KB – 50 KB |
| Signature | 140 x 60 pixels | 10 KB – 20 KB |
| Left Thumb Impression | 240 x 240 pixels | 20 KB – 50 KB |
| Handwritten Declaration | 800 x 400 pixels | 50 KB – 100 KB |
Note: The handwritten declaration must be written by the candidate himself/herself in English only, in normal case (not capital letters), on white paper with black ink.
BOI Credit Officer Important Dates 2026
| Event | Date |
|---|---|
| Notification Release Date | 01.06.2026 |
| Online Application Start Date | 30.06.2026 |
| Last Date to Apply Online | 20.07.2026 |
| Last Date for Online Fee Payment | 20.07.2026 |
| Age/Qualification Reckoning Date | 01.06.2026 |
| Online Examination Date | To be advised separately |
Documents Required at the Time of Interview
Shortlisted candidates must carry the following original documents along with self-attested photocopies at the time of interview, failing which they may not be permitted to appear.
- Printout of valid Interview Call Letter and system-generated online application form
- Proof of Date of Birth (Birth Certificate or Std. X Certificate with DOB)
- Valid Photo ID Proof (PAN Card / Passport / Driving Licence / Voter’s Card / Aadhaar Card, etc. — Ration Card and Learner’s Licence NOT accepted)
- Mark sheets & certificates for all educational qualifications
- Caste Certificate (for SC/ST/OBC) in the prescribed format issued by competent authority; OBC certificate must contain the Non-Creamy Layer clause and be issued on or after 01.04.2026
- Income & Asset Certificate (for EWS category) based on FY 2025-26 income
- Disability Certificate & UDID (for PWD category), and Scribe form if applicable
- Ex-Servicemen: Discharge Book/Pension Payment Order and rank proof
- No Objection Certificate (NOC) for candidates serving in Government/PSU/Nationalised Banks
- Experience certificates, wherever applicable
BOI Credit Officer Security Deposit 2026
Selected candidates are required to pay a refundable security deposit, which is returned after 3 years of satisfactory service. If a candidate leaves the Bank before completing 3 years, the deposit stands forfeited.
| Scale | Security Deposit Amount |
|---|---|
| MMGS-II | Rs. 2,00,000/- |
| MMGS-III | Rs. 3,00,000/- |
| SMGS-IV | Rs. 3,00,000/- |
Examination Centres for BOI Credit Officer Exam 2026
The online examination will be conducted at various centres across India including Ahmedabad/Gandhinagar, Bengaluru, Hubballi/Dharwad, Bhopal, Indore, Ujjain, Bhubaneswar, Mohali, Chennai, Coimbatore, Dehradun, Delhi/Delhi NCR, Guwahati, Hyderabad, Vijayawada/Guntur, Visakhapatnam, Jaipur, Jammu, Kolkata, Lucknow, Agra, Kanpur, Mumbai/Thane/Navi Mumbai/MMR, Panaji, Patna, Raipur, Ranchi, Shimla, Bilaspur, and Thiruvananthapuram/Ernakulam. No request for change of examination centre will be entertained.
Important General Instructions
- A candidate can apply for only one post; multiple applications will lead to forfeiture of extra fees.
- Once submitted, no change/modification in application details is permitted.
- Mobile phones, calculators, and other electronic devices are strictly banned inside the exam hall.
- Candidates must not apply mehendi, ink, or wear contact lenses for biometric verification purposes.
- Bank reserves the right to modify, cancel, or scrap any post at any stage of the recruitment process without assigning any reason.
- Any dispute arising out of this recruitment shall be subject to the sole jurisdiction of Courts situated in Mumbai.
BOI Credit Officer Recruitment 2026 – Important Links
| Link | Details |
|---|---|
| Apply Online | Available on official website Career section |
| Official Notification | Project No. 2026-27/01 dated 01.06.2026 |
| Official Website | www.bankofindia.bank.in |
Frequently Asked Questions (FAQ) – BOI Credit Officer Recruitment 2026
Q1. What is the total number of vacancies in BOI Credit Officer Recruitment 2026?
A total of 779 vacancies are notified across MMGS-II, MMGS-III, and SMGS-IV scales.
Q2. What is the last date to apply online for BOI Credit Officer post?
The last date to submit the online application is 20.07.2026.
Q3. What is the application fee for General category candidates?
General and Other category candidates need to pay Rs. 850/-, while SC/ST/PWD candidates pay only Rs. 175/- as intimation charges.
Q4. What is the age limit for Credit Officer MMGS-II post?
Candidates must be between 25 and 32 years of age as on 01.06.2026 for MMGS-II.
Q5. Is there negative marking in the BOI Credit Officer online exam?
Yes, 1/4th mark is deducted for every wrong answer in the objective test.
Q6. What is the selection process for BOI Credit Officer Recruitment 2026?
Selection is through an Online Test and/or Personal Interview, with a weightage of 70:30 if both are conducted.
Q7. Can candidates who previously worked as Credit Officer in Bank of India apply again?
No, candidates who previously held a similar post in Bank of India are not eligible to apply.
Q8. Is there any security deposit required after selection?
Yes, selected candidates must pay a refundable security deposit ranging from Rs. 2,00,000 to Rs. 3,00,000 depending on the scale, refundable after 3 years of satisfactory service.
Q9. What is the qualifying date for age and educational qualification?
The relevant date for determining age and qualification eligibility is 01.06.2026.
Q10. In what ratio are candidates called for interview?
Candidates are called for interview in the ratio of 1:3 with respect to the number of vacancies.
Q11. Can a candidate apply for more than one post in this recruitment?
No, a candidate can apply for only one post. In case of multiple applications, only the latest completed application is considered valid.
Q12. What documents are mandatory to upload during online registration?
Candidates must upload a scanned Photograph, Signature, Left Thumb Impression, and Handwritten Declaration as per the specified size and format.
