The Bank of India (BOI) has officially released the Credit Officer Recruitment 2026 Notification for 779 vacancies across MMGS-II, MMGS-III, and SMGS-IV scales. The online application process begins on 30 June 2026 and will remain open until 20 July 2026.
This recruitment is an excellent opportunity for banking professionals with experience in credit, lending, risk assessment, and corporate banking to secure a prestigious officer position in one of India’s leading Public Sector Banks.
Selected candidates will receive an attractive salary package, career growth opportunities, allowances, and postings across India. Candidates will be selected through an Online Examination and Personal Interview, although the bank reserves the right to conduct recruitment through interview only depending upon the number of applications.
If you’re planning to appear for the BOI Credit Officer Exam 2026, this article covers everything you need to know, including important dates, vacancies, eligibility criteria, salary, selection process, exam pattern, application fee, and preparation strategy.
Important Dates at a Glance
| Event | Date |
|---|---|
| Notification Release | 01 June 2026 |
| Online Application Opens | 30 June 2026 |
| Last Date to Apply | 20 July 2026 |
| Fee Payment Window | 30 June – 20 July 2026 |
| Age & Qualification Reference Date | 01 June 2026 |
| Online Exam Date | To be announced separately |
BOI Credit Officer Recruitment 2026: Highlights
| Particular | Details |
|---|---|
| Organization | Bank of India |
| Recruitment | Credit Officer (GBO Stream) |
| Total Vacancies | 779 |
| Advertisement No. | Project No. 2026-27/01 |
| Application Mode | Online |
| Online Registration Starts | 30 June 2026 |
| Last Date to Apply | 20 July 2026 |
| Selection Process | Online Test + Interview |
| Job Location | Across India |
| Official Website | Bank of India |
BOI Credit Officer Notification 2026 Released
Bank of India has invited online applications for recruitment of Credit Officers under the General Banking Officer (GBO) Stream.
One of the biggest highlights of this recruitment is the 779 vacancies, which include 475 backlog vacancies from the previous recruitment cycle. This significantly increases the chances of final selection compared to previous years.
Candidates possessing the prescribed educational qualifications along with relevant banking experience can apply online within the specified dates.
Vacancy Breakdown
| Post | Scale | SC | ST | OBC | EWS | GEN | Total | Age (Min-Max) |
|---|---|---|---|---|---|---|---|---|
| Credit Officer (GBO) | MMGS-II | 102 | 52 | 180 | 69 | 274 | 677 | 25–32 years |
| Credit Officer (GBO) | MMGS-III | 10 | 5 | 16 | 8 | 22 | 61 | 28–38 years |
| Credit Officer (GBO) | SMGS-IV | 6 | 2 | 9 | 3 | 21 | 41 | 32–45 years |
| Total | 118 | 59 | 205 | 80 | 317 | 779 |
PwBD Reservations (Out of Total):
- HI (Hearing Impaired): 8
- VI (Visually Impaired): 8
- OC (Orthopedically Challenged): 8
- ID (Intellectual Disability): 7
Note: Vacancies are provisional and may change per bank’s requirements.
Pay Scale – What’s the Salary?
One of the first questions every aspirant has. Here’s the BOI Credit Officer 2026 pay scale:
| Scale | Pay Scale (Basic Pay in ₹) | Starting Basic Pay |
|---|---|---|
| MMGS-II | 64,820 – 2340(1) – 67,160 – 2680(10) – 93,960 | ₹64,820/month |
| MMGS-III | 85,920 – 2680(5) – 99,320 – 2980(2) – 1,05,280 | ₹85,920/month |
| SMGS-IV | 1,02,300 – 2980(4) – 1,14,220 – 3360(2) – 1,20,940 | ₹1,02,300/month |
Add DA, HRA, CCA, and other allowances to this, and the total CTC for MMGS-II comes out to approximately ₹90,000–₹1,05,000/month (varies by city of posting).
Selected officers at MMGS-II must deposit ₹2,00,000 as a refundable security deposit (refundable after 3 years of satisfactory service). MMGS-III and SMGS-IV officers must deposit ₹3,00,000.
Eligibility Criteria (as on 01.06.2026)
Nationality
Indian citizens are eligible. Subjects of Nepal, Bhutan, Tibetan refugees (arrived before 1 Jan 1962), and persons of Indian origin from specified countries may also apply with a Government of India eligibility certificate.
Age Limit
| Scale | Minimum Age | Maximum Age |
|---|---|---|
| MMGS-II | 25 years | 32 years |
| MMGS-III | 28 years | 38 years |
| SMGS-IV | 32 years | 45 years |
Age Relaxation:
| Category | Relaxation |
|---|---|
| SC/ST | 5 years |
| OBC (Non-Creamy Layer) | 3 years |
| PwBD | 10 years |
| Ex-Servicemen | 5 years |
| 1984 Riot-affected persons | 5 years |
⚠️ Important: All age limits are as on 01.06.2026.
Educational Qualification
(As per the detailed notification — eligibility criteria is in Annexure I)
For MMGS-II and MMGS-III: Graduation in any discipline with 60% marks (55% for SC/ST/OBC/PwBD) from a recognised university. CA/CFA/CMA-ICWA or MBA/PGDBM/2-year PG in Banking, Finance, or any credit-related field is also acceptable.
Experience requirements vary by scale — typically a minimum of 3 years (MMGS-II) and 8 years (MMGS-III) of post-qualification experience in credit-related banking operations.
PracticeMock Tip: SC/ST/OBC/PwBD candidates applying for reserved vacancies get a 5% relaxation wherever a minimum of 60% is stipulated — they need a minimum of 55%.
Application Fee
| Category | Fee |
|---|---|
| SC / ST / PwBD | ₹175/- (Intimation charges only) |
| General / EWS / OBC | ₹850/- (Application fee + Intimation charges) |
Payment Mode: Online only (Debit/Credit card, Internet Banking, UPI, Mobile Wallets). No DD or Cheque accepted. Payment window: 30 June 2026 to 20 July 2026
How to Apply for BOI Credit Officer 2026
- Visit www.bankofindia.bank.in → Click on ‘CAREER’
- Click on “Recruitment of Credit Officers in GBO Stream Project No. 2026-27/01 Notice dated 01.06.2026”
- Click “APPLY ONLINE” → Select “Click here for New Registration”
- Fill in Name, Contact, and Email ID — a Provisional Registration Number and Password will be generated
- Fill the complete application form and use “SAVE AND NEXT” to save progress
- Upload scanned:
- Photograph (4.5cm × 3.5cm, 20–50 KB, JPG/JPEG)
- Signature (140 × 60 pixels, 10–20 KB)
- Left Thumb Impression (240 × 240 pixels, 20–50 KB)
- Handwritten Declaration (800 × 400 pixels, 50–100 KB)
- Upload relevant experience certificates and qualifications
- Click “COMPLETE REGISTRATION” only after final verification
- Pay the application fee online
- Download and save the e-Receipt and Application printout
Do NOT: Send the printout to the bank. Keep it for the interview stage.
Remember: Once submitted, no changes are allowed — fill all details carefully.
Documents Required at the Time of Interview
Keep these ready (originals + self-attested photocopies):
- Valid Interview Call Letter
- Online Application printout
- Proof of Date of Birth (Birth Certificate/X Certificate)
- Photo ID Proof (PAN/Aadhaar/Passport/Driving Licence/Voter Card)
- Mark sheets & degree certificates
- Caste Certificate (SC/ST/OBC) — OBC certificate must be issued on or after 01.04.2026 and contain the non-creamy layer clause
- Income & Asset Certificate (EWS) — based on FY 2025-26 income
- Disability Certificate in prescribed format (PwBD)
- Experience certificates (as applicable)
- No Objection Certificate (if working in Govt/PSU)
Selection Process
The selection process has up to two stages:
Stage 1: Online Examination
| Section | No. of Questions | Marks | Nature |
|---|---|---|---|
| English Language | 25 | 25 | Qualifying only (not counted in merit) |
| Professional Knowledge | 100 | 100 | Merit-deciding |
| Total | 125 | 125 |
- Duration: 120 minutes (composite — no sectional time limits)
- Negative Marking: 0.25 marks deducted per wrong answer
- Language: Bilingual (English & Hindi), except English section
- Minimum qualifying marks: 35% for General/EWS; 30% for SC/ST/OBC/PwBD
Key Takeaway: The English section is only qualifying. Your rank is decided entirely by your Professional Knowledge score. Focus your energy there.
Stage 2: Personal Interview
- Total marks: 100
- Minimum qualifying: 50% for General/EWS; 45% for SC/ST/OBC/PwBD
- Shortlisting ratio: 1:3 (3 candidates per vacancy)
Final Merit
If both exam and interview are conducted:
- Online Exam : Interview = 70 : 30
- If exam not conducted: 100% interview-based selection
Exam Centres
Ahmedabad, Bengaluru, Hubballi/Dharwad, Bhopal, Indore, Ujjain, Bhubaneswar, Mohali, Chennai, Coimbatore, Dehradun, Delhi/NCR, Guwahati, Hyderabad, Vijayawada/Guntur, Visakhapatnam, Jaipur, Jammu, Kanpur, Kolkata, Lucknow, Agra, Mumbai/Thane/Navi Mumbai, Panaji, Patna, Raipur, Ranchi, Shimla, Bilaspur, Thiruvananthapuram, Ernakulam.
No requests for change of exam centre will be entertained.
Final Word from PracticeMock
779 vacancies, three scales, and an application window of just 21 days (30 June – 20 July 2026) — this BOI Credit Officer 2026 notification is one you cannot afford to let slip. The fact that 475 vacancies are carried over from the previous cycle signals aggressive hiring intent by Bank of India.
If you have the requisite credit experience and meet the eligibility criteria, start your application immediately at www.bankofindia.bank.in — and simultaneously begin your mock test practice to get exam-ready before the online examination date is announced.
→ Start Your BOI Credit Officer Preparation on PracticeMock – Free Mock Tests Available!
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Frequently Asked Questions (FAQs)
Q1. Can freshers apply for BOI Credit Officer 2026?
No. This recruitment is for experienced banking professionals. All three scales (MMGS-II, MMGS-III, SMGS-IV) require post-qualification experience in credit operations at a Scheduled Commercial Bank.
Q2. Is there sectional time limit in the online exam?
No. The exam has a composite time of 120 minutes for all 125 questions.
Q3. Can I apply for multiple scales?
No. Candidates can apply for only ONE post. Multiple applications will result in only the latest completed application being retained; fees paid for others are forfeited.
Q4. Is negative marking applicable?
Yes. 0.25 marks are deducted per wrong answer. No penalty for unanswered questions.
Q5. What is the interview weightage?
If both exam and interview are conducted: Online Exam = 70% and Interview = 30%.
Q6. Will the English Language score count in the merit list?
No. English Language is qualifying only (minimum 35% for General/EWS). Only Professional Knowledge scores determine your merit rank.
Q7. What is the security deposit amount?
MMGS-II: ₹2,00,000 | MMGS-III & SMGS-IV: ₹3,00,000. Refundable after 3 years of satisfactory service; forfeited if you leave before that.
Q8. Can government employees apply?
Yes, but they must produce a No Objection Certificate (NOC) from their employer at the time of interview. Absence of NOC leads to cancellation of candidature.
Q9. Where can I find the Annexure-I with detailed eligibility?
Annexure-I is part of the official detailed notification PDF available at www.bankofindia.bank.in.
Q10. Is the exam conducted in Hindi also?
Yes, all sections except English Language are bilingual (Hindi + English).
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