Bank Of India Recruitment 2026 | Credit Officer | 514 Posts | Apply Here

Bank Of India Recruitment 2026 | Credit Officer | 514 Posts | Any Degree | Across India | Last Date: 5th January 2026

Bank of India has released an official notification for the recruitment of 514 Credit Officer Posts. Interested and eligible candidates can apply Online through the official Bank of India website. The last date to submit the application form is 05-01-2026. In this article, you’ll find the Bank of India Credit Officer Posts recruitment details, including eligibility criteria, age limit, salary structure, selection process, application steps, and direct links to the official notification and Online application form.

Company: Bank of India

Official Website: www.bankofindia.co.in

Positions: Credit Officer Posts

Total Vacancies: 514 Posts

Note: The number of vacancies and reserved vacancies is provisional and may vary according to the actual requirement of the Bank.

Experience: Freshers/ Experienced

Job Location:  Across India

Pay scale:

• MMGS-II Scale: Rs. 64,820 – 2,340 (1) – 67,160 – 2,680 (10) – 93,960 per month
• MMGS-III Scale: Rs. 85,920 – 2,680 (5) – 99,320 – 2,980 (2) – 105,280 per month
• SMGS-IV Scale: Rs. 102,300 – 2,980 (4) – 114,220 – 3,360 (2) – 120,940 per month
• Other allowances and perquisites as applicable to Bank officers
• All benefits as per Bank’s service rules and regulations

Eligibility Criteria for Bank Of India Recruitment 2026:

• Graduate degree from a recognized University with minimum 60% marks
• Candidates belonging to reserved category (SC/ST/OBC/PWD) are entitled for relaxation of 5% marks (minimum 55% required)
• Where CGPA/OGPA is awarded, it should be converted into percentage
• The fraction of percentage will be ignored (59.99% treated as less than 60%)

Essential Qualifications (Scale-wise details as per Annexure-I):

• Specific qualifications and experience requirements vary by scale (MMGS-II, MMGS-III, SMGS-IV)
• Candidates must refer to Annexure-I of the official notification for detailed scale-wise eligibility
• Relevant banking experience in credit operations required

Desirable:

• Experience in credit assessment and credit operations in banking sector
• Knowledge of banking operations and regulations

Experience:

• Candidates must possess requisite experience as mentioned in Annexure-I for respective scales
• Experience certificates must be submitted at the time of interview

Age Limit:

• Credit Officer MMGS-II: Minimum 25 years, Maximum 35 years
• Credit Officer MMGS-III: Minimum 28 years, Maximum 38 years
• Credit Officer SMGS-IV: Minimum 30 years, Maximum 40 years
• Age Relaxation: As per government rules

Selection Process for Bank Of India Recruitment 2026:

• Selection will be through online test and/or personal interview, depending on the number of applicants/eligible candidates
• Scrutiny of Eligibility Criteria: Applications will be shortlisted based on documents uploaded at registration
• Online Examination Structure:
  • English Language: 25 questions, 25 marks (Qualifying nature only)
  • Reasoning: 25 questions, 25 marks
  • Quantitative Aptitude: 25 questions, 25 marks
  • Professional Knowledge: 75 questions, 75 marks
  • Total: 150 questions, 150 marks
  • Composite time: 120 minutes
• Minimum Qualifying Marks (Online Test): 35% for General/EWS; 30% for SC/ST/OBC/PWD
• Penalty for Wrong Answers: 1/4th marks deduction for each wrong answer
• Personal Interview:
  • Candidates will be called at 1:3 ratio to number of vacancies
  • Maximum marks: 100
  • Minimum qualifying marks: 50% for General/EWS; 45% for SC/ST/OBC/PWD
• Final Selection (if both Online Test and Interview conducted):
  • Weightage ratio: Online Examination 70%, Interview 30%
  • Merit list based on combined marks in descending order
• If Online Examination not conducted: Final selection through personal interview only with 100 marks
• In case of equal marks, preference given based on online exam marks, then Date of Birth (senior in age)

Application Fees:

• Application fee is inclusive of GST
• Bank transaction charges for online payment will be borne by the candidate
• Fee payment period: 20.12.2025 to 05.01.2026
• Payment modes: Credit cards, Debit cards, Internet Banking, Cash Cards/Mobile Wallets, QR or UPI
• Fee once paid is non-refundable and non-transferable

How to Apply for Bank Of India Recruitment 2026?

• Step 1: Visit Bank of India official website www.bankofindia.bank.in
• Step 2: Click on ‘CAREER’ section, then click on “Recruitment of Credit Officers in GBO Stream Project No. 2025-26/01 Notice dated 01.11.2025”
• Step 3: Click on ‘APPLY ONLINE’ button
• Step 4: Choose “Click here for New Registration” and enter Name, Contact details, and Email-id
• Step 5: Note down the Provisional Registration Number and Password generated by system
• Step 6: Complete the application form with all required details
• Step 7: Upload scanned documents as per specifications:
  • Photograph (4.5cm × 3.5cm, 200×230 pixels, 20-50 KB, JPG format)
  • Signature (140×60 pixels, 10-20 KB, JPG format)
  • Left thumb impression (240×240 pixels, 20-50 KB, JPG format)
  • Handwritten declaration in English (800×400 pixels, 50-100 KB, JPG format)
• Step 8: Upload relevant experience certificates and other required documents
• Step 9: Preview the complete application form before final submission
• Step 10: Click on ‘COMPLETE REGISTRATION’ after verification
• Step 11: Proceed to payment of application fee through online mode
• Step 12: Take printout of e-Receipt and online application form for future reference
• Candidates are advised to apply well before the closing date to avoid last-minute technical issues
• Only online applications through official website will be accepted

All interested and eligible candidates can apply for this post On Or Before 5th January 2026

• Apply Online: Click here
• Official Notification PDF: Click here
• Official Website: Click here

Important Dates: