Bank of India Credit Officer Recruitment 2026
The Bank of India has released the Credit Officer Recruitment 2026 notification under Project No. 2026-27/01. A total of 779 vacancies have been announced for Credit Officer (GBO Stream) posts in MMGS-II, MMGS-III, and SMGS-IV grades.
Eligible graduates and professionals with the required banking or credit experience can submit their online applications from 30 June 2026 to 20 July 2026. Selected candidates will receive pay scales ranging from ₹64,820 to ₹1,20,940, depending on the grade.
Bank of India Credit Officer Recruitment 2026 Overview
| Particular | Details |
|---|---|
| Organization | Bank of India |
| Post Name | Credit Officer (GBO Stream) |
| Project No. | 2026-27/01 |
| Total Vacancies | 779 |
| Application Mode | Online |
| Online Application Start Date | 30 June 2026 |
| Last Date to Apply | 20 July 2026 |
| Relevant Date for Age & Qualification | 01 June 2026 |
| Online Examination | Will be advised separately |
| Official Website | www.bankofindia.bank.in |
Bank of India Credit Officer Recruitment 2026 Important Dates
| Event | Date |
| Notification Date | 01 June 2026 |
| Online Application Start Date | 30 June 2026 |
| Last Date to Apply Online | 20 July 2026 |
| Relevant Date for Age & Qualification | 01 June 2026 |
| Online Examination Date | Will be advised separately |
Bank of India Credit Officer Vacancy 2026
The recruitment includes vacancies across three officer grades.
| Post / Scale | SC | ST | OBC | EWS | GEN | Total |
| MMGS-II | 102 | 52 | 180 | 69 | 274 | 677 |
| MMGS-III | 10 | 5 | 16 | 8 | 22 | 61 |
| SMGS-IV | 6 | 2 | 9 | 3 | 21 | 41 |
| Total | 118 | 59 | 205 | 80 | 317 | 779 |
Eligibility Criteria
Candidates should carefully check the required educational qualification and work experience before applying.
Educational Qualification
Candidates must possess:
- A Degree (Graduation) in any discipline from a recognized University/Institute with 60% marks or equivalent grade.
- 55% marks for SC/ST/OBC/PWBD candidates.
- OR professional qualifications such as:
- CA
- CMA-ICWA
- CS
- CFA
Experience Requirement
| Grade | Minimum Experience |
| MMGS-II | 3 years post-qualification experience as an officer, including 2 years in MSME/Commercial Credit/Project Finance |
| MMGS-III | 5 years post-qualification experience as an officer, including 3 years in MSME/Commercial Credit/Project Finance |
| SMGS-IV | 7 years post-qualification experience as an officer, including 4 years in MSME/Commercial Credit/Project Finance |
Age Limit (As on 01 June 2026)
| Grade | 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 (Non-Creamy Layer) – 3 Years
- Persons with Benchmark Disabilities – 10 Years
- Ex-Servicemen – 5 Years
- Persons affected by the 1984 riots – 5 Years
Application Fee
| Category | Fee |
| SC/ST/PWD | ₹175 (Intimation Charges Only) |
| General & Others | ₹850 (Application Fee + Intimation Charges) |
Payment Mode
Application fees can be paid through:
- Debit Card
- Credit Card
- Internet Banking
- UPI
- Mobile Wallet
Bank transaction charges, if applicable, will be borne by the candidate.
Salary
| Grade | Pay Scale |
| MMGS-II | ₹64,820 – 2340(1) – 67,160 – 2680(10) – 93,960 |
| MMGS-III | ₹85,920 – 2680(5) – 99,320 – 2980(2) – 1,05,280 |
| SMGS-IV | ₹1,02,300 – 2980(4) – 1,14,220 – 3360(2) – 1,20,940 |
Selection Process
The selection process includes:
- Scrutiny of eligibility based on uploaded documents.
- Online Examination.
- Personal Interview (if conducted).
- Final Merit List.
If both the Online Examination and Interview are conducted, the weightage will be:
- Online Examination – 70%
- Personal Interview – 30%
Online Examination Pattern
| Section | Marks |
| English Language (Qualifying) | 25 |
| Professional Knowledge | 100 |
| Total Marks | 125 |
| Duration | 120 Minutes |
Qualifying Marks
- General/EWS – 35%
- SC/ST/OBC/PWD – 30%
Negative Marking
There is a penalty of one-fourth (1/4) marks for every incorrect answer in the objective test.
How to Apply Online
Eligible candidates can complete the online application by following these steps:
- Visit the official website.
- Open the Career section.
- Click on Recruitment of Credit Officers in GBO Stream Project No. 2026-27/01.
- Click Apply Online.
- Complete the New Registration.
- Note the Registration Number and Password.
- Fill in personal, educational, and experience details.
- Upload the required documents.
- Preview the application form.
- Complete the registration.
- Pay the application fee online.
- Download and print the application form and e-receipt.
Also Read: IBPS PO Recruitment 2026 Notification Out: Apply Online for 6715
Documents Required
Candidates shortlisted for the interview must produce original documents along with self-attested photocopies.
Required documents include:
- Proof of Date of Birth
- Educational Mark Sheets
- Educational Certificates
- Category Certificate (if applicable)
- Experience Certificates
- No Objection Certificate (for Government/PSU employees)
Security Deposit
Selected candidates will be required to deposit a refundable security amount.
| Grade | Security Deposit |
| MMGS-II | ₹2,00,000 |
| MMGS-III | ₹3,00,000 |
| SMGS-IV | ₹3,00,000 |
The security deposit is refundable after 3 years of satisfactory service.
Common Mistakes to Avoid
While submitting the application, candidates should avoid the following mistakes:
- Uploading incorrect photograph or signature.
- Writing the handwritten declaration in capital letters.
- Writing the declaration in a language other than English.
- Selecting an incorrect post or category.
- Submitting multiple applications.
- Not keeping the registered mobile number and email ID active throughout the recruitment process.
Important Links
| Description | Details |
| Apply Online | Bank of India Apply Online |
| Official Notification PDF | Download Notification PDF |
| Short Notification PDF | Download Short Notification PDF |
| Official Website | www.bankofindia.bank.in |
Frequently Asked Questions (FAQs)
Q1. How many vacancies are available in Bank of India Credit Officer Recruitment 2026?
A total of 779 vacancies have been announced.
Q2. What is the last date to apply?
The last date to submit the online application is 20 July 2026.
Q3. What is the application fee?
- SC/ST/PWD: ₹175
- General & Others: ₹850
Q4. What is the age limit?
- MMGS-II: 25–32 Years
- MMGS-III: 28–38 Years
- SMGS-IV: 32–45 Years
Q5. What is the educational qualification?
Candidates must have a graduation degree with the prescribed marks or professional qualifications such as CA, CMA-ICWA, CS, or CFA along with the required experience.
Q6. What is the selection process?
Selection will be through scrutiny of eligibility, Online Examination, Personal Interview (if conducted), and preparation of the final merit list.
Q7. What is the salary?
The pay scale ranges from ₹64,820 to ₹1,20,940, depending on the grade.
Q8. Is there any security deposit?
Yes. Selected candidates must deposit a refundable security amount of ₹2,00,000 (MMGS-II) or ₹3,00,000 (MMGS-III and SMGS-IV).
