If you’re a banking professional or a graduate with credit experience looking for a solid government bank job — Bank of India just dropped a big opportunity. Bank of India (BOI) has officially released its Credit Officer Recruitment 2026 notification for 779 vacancies under the General Banking Officer (GBO) Stream. Applications opened on June 30, 2026, and the last date to apply is July 20, 2026. This covers three officer scales — MMGS-II, MMGS-III, and SMGS-IV — so whether you’re a fresher professional or a seasoned banker, there’s something here for you. Here’s everything you need to know before applying.
Bank of India Credit Officer Recruitment 2026 notification (Project No. 2026-27/01) is live with 779 vacancies. Online applications open from June 30, 2026 and close on July 20, 2026. Apply now at bankofindia.bank.in before the deadline. Fee once paid is non-refundable!
1. BOI Credit Officer Recruitment 2026 – Overview
| Detail | Information |
|---|---|
| Organization | Bank of India (BOI) – Head Office, Mumbai |
| Post Name | Credit Officer (General Banking Officer – GBO Stream) |
| Project No. | 2026-27/01 |
| Total Vacancies | 779 Posts |
| Scales | MMGS-II | MMGS-III | SMGS-IV |
| Notification Date | June 29, 2026 |
| Application Start | June 30, 2026 |
| Last Date to Apply | July 20, 2026 |
| Age Relevance Date | June 1, 2026 |
| Selection Process | Online Exam + Personal Interview (70:30 weightage) |
| Salary Range | ₹64,820 – ₹1,20,940 (depending on scale) |
| Official Website | bankofindia.bank.in |
2. BOI Credit Officer Recruitment 2026 – Vacancy Details (Post-wise & Category-wise)
Out of the total 779 vacancies, 475 are unfilled posts carried forward from the previous recruitment cycle (Project 2025-26/01). Here’s the complete post-wise and category-wise breakdown:
| Post / Scale | UR | EWS | OBC | SC | ST | Total |
|---|---|---|---|---|---|---|
| Credit Officer – MMGS-II | 274 | 69 | 180 | 102 | 52 | 677 |
| Credit Officer – MMGS-III | 22 | 08 | 16 | 10 | 05 | 61 |
| Credit Officer – SMGS-IV | 21 | 03 | 09 | 06 | 02 | 41 |
| TOTAL | 317 | 80 | 205 | 118 | 59 | 779 |
MMGS-II has 677 vacancies — that’s 87% of the total! So if you’re a fresher banking professional with 3 years of credit experience, this is where your best chance lies. MMGS-III and SMGS-IV are for more senior candidates with 5-7+ years of experience.
3. Eligibility Criteria – Age Limit, Qualification & Experience
Age Limit (as on June 1, 2026):
| Post / 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: SC/ST → 5 years | OBC (NCL) → 3 years | PwBD → 10 years | Ex-Servicemen & 1984 riot-affected → 5 years
Educational Qualification (as on June 1, 2026):
Mandatory:
- Bachelor’s Degree in any discipline from a recognized University/Institute with minimum 60% marks (55% for SC/ST/OBC/PwBD candidates)
- OR CA / CMA-ICWA / CS / CFA qualification
Preferred Additional Qualifications:
- MBA (Finance/Banking) or PGDBA
- JAIIB / CAIIB certification
- M.Sc. (Finance), B.E./B.Tech with banking experience
Work Experience Required:
| Scale | Experience Required (Post-Qualification) |
|---|---|
| MMGS-II | Minimum 3 years of experience in Credit/Loan/Banking operations in a Bank or Financial Institution |
| MMGS-III | Minimum 5 years of experience in Credit/Loan/Banking operations |
| SMGS-IV | Minimum 7 years of experience, with exposure to large corporate credit or specialized lending |
Fresh graduates are NOT eligible for this recruitment. Relevant post-qualification work experience in credit, loan processing, or banking operations is mandatory. Check the official Annexure-I PDF on bankofindia.bank.in for the detailed experience criteria per scale.
4. Salary & Pay Scale – BOI Credit Officer Recruitment 2026
Here’s the good part — the salary for a Bank of India Credit Officer is quite attractive, especially once you factor in all the allowances on top of basic pay:
| Scale | Basic Pay Range | Grade |
|---|---|---|
| MMGS-II | ₹64,820 – ₹93,960 | Middle Management Grade Scale II |
| MMGS-III | ₹85,920 – ₹1,05,280 | Middle Management Grade Scale III |
| SMGS-IV | ₹1,02,300 – ₹1,20,940 | Senior Management Grade Scale IV |
💰 Additional Allowances & Benefits:
- Dearness Allowance (DA) — Revised quarterly based on CPI index
- House Rent Allowance (HRA) — Based on place of posting
- Special Allowance — As per Bank rules
- Medical Benefits — For self and family
- Leave Travel Concession (LTC)
- Pension / Provident Fund
- Loan & Advances at concessional rates
Gross monthly package (including all allowances) for MMGS-II officers typically ranges from ₹85,000 to ₹1,05,000 per month depending on city of posting.
5. Selection Process – Online Exam + Interview
BOI Credit Officer selection happens in two stages. Here’s the breakdown so you know exactly what to prepare for:
Stage 1: Online Examination
The online test will be conducted at exam centres across India including Guwahati, Delhi NCR, Mumbai, Chennai, Kolkata, Bengaluru, Hyderabad, Ahmedabad, Bhopal, Bhubaneswar, Lucknow, Patna, Ranchi, Jaipur, Jammu, Thiruvananthapuram, and others.
| Section | Questions | Marks | Nature |
|---|---|---|---|
| English Language | 25 | 25 | Qualifying only (not counted in merit) |
| Professional Knowledge (Credit) | 75 | 150 | Merit-based |
- Negative marking: ¼ mark deducted per wrong answer
- Minimum qualifying marks: 35% for General/EWS | 30% for SC/ST/OBC/PwBD
- Minimum mandatory in BOTH sections — fail either and you’re out
Stage 2: Personal Interview
- Based on Online Exam merit, candidates will be shortlisted for Personal Interview
- Final merit: Online Exam 70% + Interview 30%
- Bank may also conduct Direct Interview (without online exam) if the number of applicants is low
- Document verification happens alongside/after interview
6. Application Fee for BOI Credit Officer Recruitment 2026
| Category | Application Fee |
|---|---|
| SC / ST / PwBD candidates | ₹175/- (Intimation charges only) |
| General / EWS / OBC candidates | ₹850/- |
The application fee is completely non-refundable once paid. Even if you withdraw your application or are found ineligible, the fee will NOT be returned. So double-check your eligibility before paying!
7. How to Apply – BOI Credit Officer Recruitment 2026
Applying is entirely online. Here’s the step-by-step process:
- Visit the official website: bankofindia.bank.in
- Click on “Career” section on the homepage
- Click the notification: “Recruitment of Credit Officers in GBO Stream Project No. 2026-27/01”
- Click on “Apply Online”
- Click “Click here for New Registration” — enter your name, mobile number, and email ID
- Note the Provisional Registration Number and Password that gets generated
- Log in and fill in personal, educational, and work experience details carefully
- Upload required documents:
- Photograph (as per size specifications)
- Signature
- Left thumb impression
- Handwritten declaration
- Preview the full form — verify all details before proceeding
- Click “Complete Registration”
- Pay application fee online (Card / Net Banking / UPI / Wallet)
- Print the application form and e-receipt for future reference
Don’t wait till July 20! Government banking websites tend to get extremely slow near the deadline. Apply at least 7-10 days before the last date to avoid technical glitches. And remember — once submitted, the application cannot be withdrawn.
8. Important Documents for BOI Credit Officer Recruitment 2026
- Valid Photo ID (PAN Card / Aadhaar / Passport / Voter ID / Driving Licence)
- Educational Marksheets & Certificates (10th, 12th, Graduation — all semesters)
- CA/CMA-ICWA/CS/CFA certificate (if applicable)
- Work Experience Certificates from all employers (post-qualification)
- SC/ST/OBC-NCL/EWS/PwBD certificate (if applicable) in prescribed format
- Ex-Serviceman certificate (if applicable)
- NOC from current employer (if employed in Government/PSU)
- Scanned photograph, signature, left thumb impression (as per specified format)
9. Exam Centres – Guwahati Included!
The online examination will be held across multiple cities in India. Here are the confirmed exam centres:
Ahmedabad/Gandhinagar, Bengaluru, Bhopal, Bhubaneswar, Chennai, Coimbatore, Dehradun, Delhi NCR, Guwahati, Hyderabad, Vijayawada, Visakhapatnam, Jaipur, Jammu, Kolkata, Lucknow, Agra, Kanpur, Mumbai, Panaji (Goa), Patna, Raipur, Ranchi, Shimla, Bilaspur, Thiruvananthapuram, Ernakulam
✅ Great News for Assam Candidates!
Guwahati is a confirmed exam centre! So if you’re based in Assam or Northeast India, you won’t need to travel far for the online examination. This makes it a very accessible opportunity for local banking professionals.
10. Important Dates – BOI Credit Officer 2026
| Event | Date |
|---|---|
| Notification Released | June 29, 2026 |
| Online Application Opens | June 30, 2026 |
| Last Date to Apply | July 20, 2026 |
| Age/Qualification Relevance Date | June 1, 2026 |
| Online Exam Date | To be announced separately |
| Interview Date | After exam result |
11. Important Links – BOI Credit Officer 2026
12. Frequently Asked Questions – BOI Credit Officer 2026
Q1. How many vacancies are there in BOI Credit Officer Recruitment 2026?
Bank of India has announced 779 Credit Officer vacancies — MMGS-II (677), MMGS-III (61), and SMGS-IV (41). Of these, 475 are unfilled vacancies carried forward from the 2025-26 recruitment cycle.
Q2. What is the last date to apply for BOI Credit Officer 2026?
The last date to submit the online application for BOI Credit Officer Recruitment 2026 is July 20, 2026. Applications are accepted only at bankofindia.bank.in.
Q3. Can fresh graduates apply for BOI Credit Officer 2026?
No. Fresh graduates are not eligible. Relevant post-qualification work experience of at least 3 years (for MMGS-II), 5 years (for MMGS-III), or 7 years (for SMGS-IV) in credit/banking operations is mandatory.
Q4. What is the age limit for BOI Credit Officer 2026?
Age limit as on June 1, 2026: MMGS-II → 25-32 years | MMGS-III → 28-38 years | SMGS-IV → 32-45 years. Relaxation applies for SC/ST (5 years), OBC (3 years), and PwBD (10 years).
Q5. What is the salary of a BOI Credit Officer?
The basic pay ranges from ₹64,820 (MMGS-II) to ₹1,20,940 (SMGS-IV). In addition, officers receive DA, HRA, Special Allowance, medical benefits, LTC, pension, and other perks as per Bank of India rules.
Q6. What is the exam pattern for BOI Credit Officer 2026?
The online exam has two sections — English Language (qualifying, 25 Qs) and Professional Knowledge – Credit (150 marks, 75 Qs). There is negative marking of ¼ mark per wrong answer. Minimum qualifying marks are 35% for General/EWS candidates.
Q7. What is the application fee for BOI Credit Officer 2026?
Application fee: ₹175 for SC/ST/PwBD candidates and ₹850 for General, EWS, and OBC candidates. The fee is non-refundable once paid.
Q8. Is Guwahati an exam centre for BOI Credit Officer 2026?
Yes! Guwahati is one of the confirmed online examination centres for BOI Credit Officer 2026. Candidates from Assam and Northeast India can appear for the exam locally without travelling to other cities.
Q9. What is the selection process for BOI Credit Officer 2026?
Selection is in two stages: Online Examination followed by a Personal Interview. The final merit is calculated with 70% weightage to the online exam and 30% to the interview. The Bank may also conduct a direct interview (without exam) based on the number of applicants.
Q10. Can I withdraw my application after submission?
No. Bank of India clearly states that applications once submitted cannot be withdrawn, and the fee once paid cannot be refunded or held in reserve for any other recruitment process. So make sure all your details are correct before final submission.
