Bank of India Credit Officer Recruitment 2026: Apply Online for 779 Officer Posts, Registration Open Till July 20.The Bank of India (BOI) has launched a major recruitment drive for experienced banking professionals by inviting online applications for 779 Credit Officer posts under its General Banking Officer Stream. The vacancies are available across Middle Management Grade Scale-II (MMGS-II), Middle Management Grade Scale-III (MMGS-III), and Senior Management Grade Scale-IV (SMGS-IV).
The online application process began on 30 June 2026 and will continue until 20 July 2026. Candidates who have the required educational qualifications along with relevant banking experience can submit their applications through the official recruitment portal.
This recruitment is one of the biggest specialist officer hiring drives of the year by a public sector bank. It offers attractive salary packages, career growth, job security, and opportunities to work in credit management, corporate lending, MSME financing, and project finance.
If you are an experienced banking professional looking to take the next step in your career, the BOI Credit Officer Recruitment 2026 could be an excellent opportunity.
BOI Credit Officer Recruitment 2026 Highlights
| Particulars | Details |
|---|---|
| Organisation | Bank of India (BOI) |
| Recruitment Name | Credit Officer Recruitment 2026 |
| Advertisement | Project No. 2026-27/01 |
| Post Name | Credit Officer (General Banking Officer Stream) |
| Total Vacancies | 779 |
| Application Mode | Online |
| Registration Starts | 30 June 2026 |
| Last Date to Apply | 20 July 2026 |
| Selection Process | Online Examination and Interview |
| Job Location | Across India |
| Website Link | https://bankofindia.bank.in |
BOI Credit Officer Vacancy 2026
Bank of India has announced 779 vacancies across three officer grades.
Scale-wise Vacancy
| Scale | Vacancies |
|---|---|
| MMGS-II | 677 |
| MMGS-III | 61 |
| SMGS-IV | 41 |
| Total | 779 |
Category-wise Vacancy
| Category | Vacancies |
|---|---|
| General | 317 |
| OBC | 205 |
| SC | 118 |
| ST | 59 |
| EWS | 80 |
| Total | 779 |
The recruitment also includes carried-forward vacancies, making it one of the largest Credit Officer recruitment drives conducted by BOI in recent years.
Important Dates
Candidates should note the important dates before applying.
| Event | Date |
|---|---|
| Notification Released | 29 June 2026 |
| Online Registration Begins | 30 June 2026 |
| Last Date to Apply Online | 20 July 2026 |
| Last Date for Fee Payment | 20 July 2026 |
| Online Examination | To Be Announced |
| Interview | To Be Announced |
Applicants are advised to complete the registration process early to avoid last-minute server issues.
Educational Qualification
The educational qualification differs according to the officer scale.
Essential Qualification
Candidates must possess:
- Graduation in any discipline from a recognized university with minimum 60% marks.
- Candidates belonging to SC, ST, OBC, and PwBD categories require 55% marks.
Candidates holding professional qualifications such as:
- Chartered Accountant (CA)
- Cost and Management Accountant (CMA)
- Company Secretary (CS)
- Chartered Financial Analyst (CFA)
are also eligible.
Preference may be given to candidates having higher qualifications such as:
- MBA
- PGDBM
- Master’s Degree in Finance
- Banking
- Commerce
- Management
- Credit Management
Work Experience
Relevant banking experience is compulsory for all officer grades.
MMGS-II
Candidates should have:
- Minimum 3 years of experience as an Officer.
- At least 2 years in Credit, MSME Finance, Commercial Banking, Project Finance, or Corporate Credit.
MMGS-III
Applicants should possess:
- Minimum 5 years of Officer-level experience.
- At least 3 years handling credit portfolios.
SMGS-IV
Candidates must have:
- Minimum 7 years of Officer-level experience.
- At least 4 years in Commercial Credit, Corporate Banking, or Project Finance.
Candidates should carefully verify the experience requirements before submitting the application.
Age Limit
The age will be calculated as on 1 June 2026.
| Scale | Age Limit |
|---|---|
| MMGS-II | 25–32 Years |
| MMGS-III | 28–38 Years |
| SMGS-IV | 32–45 Years |
Age Relaxation
Eligible candidates will receive age relaxation according to Government of India guidelines.
| Category | Relaxation |
|---|---|
| SC/ST | 5 Years |
| OBC (Non-Creamy Layer) | 3 Years |
| PwBD | 10 Years |
| Ex-Servicemen | 5 Years |
Application Fee
| Category | Fee |
|---|---|
| General / OBC / EWS | ₹850 |
| SC / ST / PwBD | ₹175 |
The application fee can be paid online through:
- Debit Card
- Credit Card
- UPI
- Net Banking
- Mobile Wallet
Selection Process
The recruitment process consists of two stages.
Stage 1: Online Examination
Candidates will first appear for an online examination.
The examination includes:
- English Language
- Professional Knowledge
The English Language section is qualifying in nature, while the Professional Knowledge section carries the maximum weightage for shortlisting.
There is 0.25 negative marking for every incorrect answer.
Stage 2: Personal Interview
Candidates shortlisted after the online examination will be called for a Personal Interview.
The interview panel evaluates:
- Banking knowledge
- Credit appraisal skills
- Communication ability
- Problem-solving skills
- Professional experience
- Overall suitability for the post
The final merit list is prepared by giving:
- 70% weightage to the Online Examination
- 30% weightage to the Personal Interview
BOI Credit Officer Exam Pattern 2026
| Subject | Questions | Marks |
|---|---|---|
| English Language | 25 | 25 |
| Professional Knowledge | 100 | 100 |
| Total | 125 | 125 |
Exam Duration: 120 Minutes
Candidates should focus more on Professional Knowledge since it plays the most important role in the final selection.
Salary Structure
Selected candidates will receive salary according to their respective officer scale.
| Scale | Starting Basic Pay |
|---|---|
| MMGS-II | ₹64,820 |
| MMGS-III | ₹85,920 |
| SMGS-IV | ₹1,02,300 |
Apart from the basic salary, officers are entitled to:
- Dearness Allowance (DA)
- House Rent Allowance (HRA)
- Special Allowance
- Medical Facilities
- Leave Travel Concession (LTC)
- Leave Encashment
- Pension Benefits
- Performance-linked Incentives
- Other Bank Allowances
The overall annual compensation is highly attractive and increases with promotions.
Documents Required
Candidates should keep the following documents ready while filling the online application:
- Graduation Certificate
- Experience Certificate
- Identity Proof
- Category Certificate (if applicable)
- PwBD Certificate (if applicable)
- Passport-size Photograph
- Signature
- Valid Mobile Number
- Active Email ID
How to Apply for BOI Credit Officer Recruitment 2026?
Follow these simple steps to complete the online application:
- Visit the official Bank of India recruitment website.
- Click on the Credit Officer Recruitment 2026 notification.
- Register using your email ID and mobile number.
- Fill in all personal, educational, and professional details carefully.
- Upload the required documents, photograph, and signature.
- Pay the application fee online.
- Verify all entered details before submitting the form.
- Submit the application successfully.
- Download and save the confirmation page for future reference.
