Bank of India Credit Officer Notification 2026 – 514 vacancies open

Bank of India Credit Officer Notification 2026 overview

The Bank of India, a noted public sector institution based in Mumbai, recently released the Bank of India Credit Officer Notification 2026  , listing vacancies within the General Banking Officer category under Project No. 2025-26/01. This recruiting drive is ideal for persons interested in working as officers in the banking industry. 
 
The notification states that Scale II, Scale III, and Scale IV roles are available in middle and senior management. A total of 514 positions have been advertised, with reservations for SC, ST, OBC, EWS, and General categories. Applicants must pass an online test as part of the hiring process, which will be preceded by an in-person interview. 

As of 1 November 2025, individuals must fulfill the  age, nationality criteria and  qualification. The last day for finishing up those Online registration open on Dec 20, 2025, and will finish on Jan 5, 2026. Applicants can access full details regarding the application process and required qualifications on official  website. 

Organization Name	Bank of India (BOI)
Occupation Name	Credit Officer (General Banking Officer – GBO
No of Posts	3 Scales (MMGS-II, MMGS-III, SMGS-IV)
No of vacancies	514 Vacancies
Salary	MMGS-II: ₹64,820 – ₹93,960   MMGS-III: ₹85,920 – ₹1,05,280   SMGS-IV: ₹1,02,300 – ₹1,20,940
Qualification	Graduate / Postgraduate in relevant discipline with required banking/credit experience (as per post)
Age limit	MMGS-II: 25–35 years   MMGS-III: 28–38 years   SMGS-IV: 30–40 year
Start Date for Apply	20 December 2025
Last Date for Apply	05 January 2026
Official Website	https://www.bankofindia.bank.in

Bank of India Credit Officer Notification 2026 vacancy details

Post Name	Scale	Stream	No. of Vacancies
Credit Officer	SMGS-IV	GBO	36
Credit Officer	MMGS-III	GBO	60
Credit Officer	MMGS-II	GBO	418
Total Vacancies			514

Eligibility criteria

• According to the Bank of India Credit Officer Notification 2026, the candidate must be a citizen of India or of a country that fits the conditions.  
• Being a credit officer requires the proper education.  
• You are required to have the necessary amount of job experience, according to the scale that is utilized..  
• You must have completed your experience and qualifications by November 1, 2025 at the latest.  
• The person applying must be willing to work anywhere in India.  
• exclusively one application will be accepted per applicant. 
• Candidates who have previously worked in similar roles at the Bank of India are not eligible. 

Age limit

check Below age criteria for Bank of India Credit Officer Notification 2026:

• Scale II (MMGS-II): 25–35 years. 
• Scale III (MMGS-III): 28–38 years. 
• Scale IV (SMGS-IV): 30–40 years. 

Age relaxation: 

• SC and ST: five years. 
• OBC (Non-Creamy Layer): Three years. 
• PwBD: ten years. 
• Ex-servicemen: 5 years. 
• Persons affected by the 1984 riots: five years. 

Job Responsibilities  

• Examine credit applications to determine the applicants’ financial stability.  
• Check to ensure that the RBI guidelines and banking laws are followed.  
• Monitor loan portfolios and due dates.  
• Consider the risks and develop strategies to reduce credit risk.  
• You can support branch operations by sharing your knowledge of credit evaluation.  
• Develop detailed evaluations regarding the financial reliability of both individuals and companies. 
• Handle loan application paperwork and verification.  
• interact customers to discover their financial needs and propose appropriate solutions.  
• Make certain that credit policies and procedures are followed correctly.  
• Having a robust loan book will help the bank grow.  
• Manage non-profitable assets and assist with loan recovery.  
• Assist junior employees with credit procedures.  
• Ensure that all credit-related transactions are transparent and accurate.  
• Collaborate with other departments to help the business grow. 
• Maintain your values and your clients’ trust in financial services. 

Application fee  

Please check the fee for the Bank of India Credit Officer Notification 2026:

• SC/ST/PwBD: ₹175 (just for confirmation fees).  
• The OBC/general/EWS application cost is ₹850, which includes intimation expenses. 
• Fees must only be paid online.  
• Once paid, the cost cannot be refunded. 

Salaries

• Salary according to the Bank of India Credit Officer Notification 2026 pay scales. 
• MMGS-II costs ₹64,820 – ₹93,960 (base + increments). 
• MMGS-III: ₹85,920 – ₹1,05,280 
• SMGS-IV: ₹1,02,300 – ₹1,20,940 

More advantages are below: 

• Allowance For Dearness 
• Rent Allowance 
• Benefits from medicine 
• Leave Concessions for Travel 
• Career advancement based on bank promotion policy.

Application process for Bank of India Credit Officer Notification 2026

1. Visit the official website at “www.bankofindia.co.in.” 
2. After clicking “Careers,” select the desired job listing.  
3. The online registration process needs you to fill out necessary personal information. 
4. Fill out the application form thoroughly, including information about your education, work experience, and background.  
5. All the required papers, which include your signature and a photo of yourself, must be submitted as scanned versions. 
6. Pay the application fee using one of the numerous online payment methods.  
7. Check the form to ensure all of the information is right.  
8. Kindly print out the submitted application for your records. 
9. For the safety of being able to access call letters, you need to protect the registration number and username and password.  

Selection process  

1.Online Exam: Candidates will take an online test that assesses their job-related professional knowledge, English language abilities, critical thinking skills, and math proficiency.  

2. Shortlisting: Candidates will be assigned to groups based on how well they performed on the online test.  

3.Personal Interview: Candidates that advance to the next phase will be scheduled for interviews in a 1:3 ratio to the number of empty positions.  

4.The final merit list: will be created using the interview findings, as well as the professional knowledge, logic, and quantitative ability tests.  

5.Appointment: After their documents are reviewed, the selected applicants will be transported to various regions of India. 

Important instructions  

Applicants are advised to pay attention to the important guidelines outlined in the Bank of India Credit Officer Notification 2026:

• kindly request that application be submitted online only. 
• The final date for submitting the eligibility checks is  01-11- 2025. 
• Valid caste or category credentials must be submitted of individuals from reserved communities. 
• OBC candidates must hold non-creamy layer certifications.  
• PwBD candidates must produce their UDID card and handicap certificate.  
• A candidate may submit just one application; any duplicate submissions will be rejected.  
• You must convert the CGPA marks to OGPA marks and input them as a percentage.  
• The minimal passing rate for General/EWS individuals is set at 35%, and for SC/ST/OBC/PwBD candidates, it is set at 30%.  
• If you respond incorrectly on the online test, you will get a negative mark (a loss of ¼). 
• Written tests and interview notification letters are accessible online through the official website. 
• Candidates who want to work for us should be willing to travel anywhere in India.  
• You will be prohibited if you engage in canvassing. 
• The bank can still cancel hiring or adjust how the test is administered.  
• Mumbai’s courts will address all problems. 

Bank of India Credit Officer Notification 2026 Essential Dates

Activity	Date
Notification Release Date	01 November 2025
Online Application Start Date	20 December 2025
Last Date to Apply Online	05 January 2026
Relevant Date for Age & Qualification	01 November 2025
Tentative Online Exam Date	To be notified

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