The Bank of India (BOI), a leading Public Sector Bank, has released an official notification (Project No. 2025-26/01) for the recruitment of Credit Officers in the General Banking Officer (GBO) Stream. The bank aims to fill a total of 514 vacancies across Scale-II, Scale-III, and Scale-IV. This is a massive opportunity for experienced banking professionals to join one of India’s premier financial institutions.
The online application process is scheduled to commence on 20 December 2025 and will conclude on 05 January 2026. The selection will be based on an Online Examination and/or Personal Interview. In this article, we provide a detailed breakdown of the vacancies, eligibility criteria, exam pattern, and application procedure to assist aspiring candidates. 🏦
💡 Key Highlights: Bank of India Credit Officer Recruitment 2025
| Feature | Details |
|---|---|
| Organization | Bank of India (BOI) |
| Post Name | Credit Officer (GBO Stream) |
| Project No. | 2025-26/01 |
| Total Vacancies | 514 Posts |
| Application Mode | Online |
| Application Dates | 20/12/2025 to 05/01/2026 |
| Official Website | bankofindia.bank.in |
📋 Vacancy Details & Eligibility: BOI Credit Officer
The Bank of India has announced vacancies for Credit Officers in three different scales. The age limit is calculated as on 01.11.2025.
| Post Name | Scale | Vacancies | Age Limit (Min-Max) |
|---|---|---|---|
| Credit Officer | SMGS-IV | 36 | 30 – 40 Years |
| Credit Officer | MMGS-III | 60 | 28 – 38 Years |
| Credit Officer | MMGS-II | 418 | 25 – 35 Years |
| Total | 514 | – | |
Note: Age relaxation is applicable for SC/ST (5 years), OBC (3 years), and PwBD (10 years) candidates as per government rules.
🎓 Educational Qualification & Experience
According to the vacancy notice details provided:
- Credit Officer (SMGS-IV): Graduate degree with 8 years of relevant experience.
- Credit Officer (MMGS-III): Graduate degree with 5 years of relevant experience.
- Credit Officer (MMGS-II): Graduate degree with 3 years of relevant experience.
(Candidates are advised to refer to the detailed Annexure-I in the official notification for specific experience requirements in Banking/Financial sectors.)
💰 Application Fees
The application fee must be paid online between 20.12.2025 and 05.01.2026.
- General/EWS/OBC: Rs. 850/- (Application Fee + Intimation Charges)
- SC/ST/PWD: Rs. 175/- (Intimation Charges Only)
💸 Pay Scale: BOI Officer Salary
Selected candidates will draw a handsome salary as per the following scales:
- MMGS-II: Rs. 64,820 – 93,960/-
- MMGS-III: Rs. 85,920 – 105,280/-
- SMGS-IV: Rs. 102,300 – 120,940/-
📝 Selection Process
The selection process will involve the following stages:
- Online Examination: Objective type test.
- Personal Interview: Candidates qualifying in the online exam will be called for an interview.
- Final Merit List: Based on the combined scores of Online Exam and Interview (Weightage 70:30).
Note: The Bank reserves the right to select candidates only through an interview if the number of applicants is low.
📊 Exam Pattern: BOI Credit Officer 2025
The structure of the online examination is as follows:
| Subject | Questions | Marks | Duration |
|---|---|---|---|
| English Language | 25 | 25 | 120 Minutes (Composite Time) |
| Reasoning | 25 | 25 | |
| Quantitative Aptitude | 25 | 25 | |
| Professional Knowledge (Relevant to Post) | 75 | 75 | |
| Total | 150 | 150 | – |
Note: There is a penalty of 0.25 marks for every wrong answer. The English Language test is of qualifying nature only.
💻 How to Apply: BOI Online Form
Follow these steps to apply online:
- Visit the official website bankofindia.bank.in and go to the ‘Career’ section.
- Click on the link for “Recruitment of Credit Officers in GBO Stream Project No. 2025-26/01”.
- Select “Click here for New Registration” and enter your details.
- Upload your scanned Photograph, Signature, Left Thumb Impression, and Hand-Written Declaration.
- Fill in the application form carefully and click on “Save & Next”.
- Pay the application fee online using Debit/Credit Card, UPI, or Net Banking.
- Submit the form and take a printout for future reference.
🔗 Important Links: BOI Notification 2025
| Link Description | Link |
|---|---|
| Apply Online (Starts 20/12/2025) | Click Here |
| Official Notification PDF | Click Here |
| Official Website | Click Here |
| Join WhatsApp Channel | Click Here |
| Join Telegram Channel | Click Here |
📅 Important Dates: BOI Recruitment 2025
| Event | Date |
|---|---|
| Notification Release Date | 17 December 2025 |
| Online Application Start | 20 December 2025 |
| Last Date to Apply | 05 January 2026 |
| Exam Date | To be notified later |
🔑 Key Takeaways: BOI Vacancy
- Vacancies: 514 (Credit Officers).
- Pay Scale: Up to Scale-IV.
- Selection: Online Exam + Interview.
- Deadline: 5th January 2026.
❓ FAQs: Bank of India Recruitment
Q1. When does the BOI Credit Officer application start?
Ans. The online application starts on 20 December 2025.
Q2. What is the total number of vacancies?
Ans. There are a total of 514 vacancies for Credit Officers.
Q3. Is there a negative marking in the exam?
Ans. Yes, 0.25 marks will be deducted for every wrong answer.
Q4. Can final year students apply?
Ans. Candidates must possess the required educational qualification and experience as of 01.11.2025.
💡 Final Thoughts: BOI Career
The Bank of India Credit Officer recruitment is an excellent opportunity for banking aspirants seeking career growth in a specialized stream. With 514 vacancies, the chances are significant for well-prepared candidates. Make sure to check your eligibility, especially the experience criteria, and apply before the deadline of January 5th, 2026. Good Luck! 🌟
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