The Bank of India (BOI) has announced the Credit Officer Recruitment 2026. There are 779 job openings for Credit Officer posts in different manager grades. This is a great chance for people with banking experience to get a government bank job.
The official notice was released on June 29, 2026. Online applications start on June 30, 2026. The last date to apply is July 20, 2026. Eligible candidates can apply on the official BOI website before the deadline.
The jobs are available in MMGS-II, MMGS-III, and SMGS-IV grades. Candidates with experience in loans, credit, finance, and banking can apply.
Bank of India Credit Officer Recruitment 2026 Overview
| Particular | Details |
| Organization | Bank of India (BOI) |
| Post Name | Credit Officer |
| Total Vacancies | 779 |
| Notification Release Date | June 29, 2026 |
| Online Application Starts | June 30, 2026 |
| Last Date to Apply | July 20, 2026 |
| Selection Process | Online Examination + Interview |
| Exam Mode | Online |
| Total Questions | 150 |
| Total Marks | 150 |
| Negative Marking | 0.25 Mark |
| Official Website | bankofindia.co.in |
Important Dates
Candidates should keep track of the following important dates:
| Event | Date |
| Short Notification | June 28, 2026 |
| Detailed Notification | June 29, 2026 |
| Online Registration Begins | June 30, 2026 |
| Last Date to Apply | July 20, 2026 |
| Last Date for Fee Payment | July 20, 2026 |
| Exam Date | To Be Announced |
The examination schedule will be announced later on the official website
BOI Credit Officer Vacancy Details
| Category | MMGS-II | MMGS-III | SMGS-IV | Total |
| General | 274 | 22 | 21 | 317 |
| SC | 102 | 10 | 6 | 118 |
| ST | 52 | 5 | 2 | 59 |
| OBC | 180 | 16 | 9 | 205 |
| EWS | 69 | 8 | 3 | 80 |
| Total | 677 | 61 | 41 | 779 |
Most vacancies are available under the MMGS-II scale.
Eligibility Criteria
Candidates must satisfy the educational qualification and age requirements before applying.
Educational Qualification
MMGS-II & MMGS-III
Applicants should possess:
- Graduation in any discipline from a recognized university with minimum 60% marks
- SC/ST/OBC/PwBD candidates require 55% marks
Additionally, candidates should possess any one of the following qualifications:
- Chartered Accountant (CA)
- Chartered Financial Analyst (CFA)
- CMA/ICWA
- MBA
- PGDBM
- Two-year Post Graduate Degree in Banking, Finance, or Credit-related specialization
SMGS-IV
Candidates should have:
- Graduation with minimum 60% marks (55% for reserved categories)
Along with:
- MBA
- PGDBM
- Two-year full-time Master’s Degree
- CA
- CFA
- CMA/ICWA
Note: Only full-time postgraduate qualifications are accepted where specified.
Age Limit (As on June 1, 2026)
| 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
Government reservation rules apply:
- SC/ST – 5 Years
- OBC – 3 Years
- PwBD – 10 Years
Application Fee
| Category | Fee |
| General/OBC/EWS | ₹850 |
| SC/ST/PwBD | ₹175 |
The fee can be paid online through:
- Debit Card
- Credit Card
- Internet Banking
- UPI
- Mobile Wallet
- QR Code
- Cash Cards
Offline payment methods are not accepted.
How to Apply Online
Follow these simple steps:
Step 1
Visit the official Bank of India website.
Step 2
Open the Careers section.
Step 3
Click on Recruitment of Credit Officers 2026.
Step 4
Select New Registration.
Step 5
Enter your:
- Name
- Mobile Number
- Email Address
Step 6
Complete the application form by filling in:
- Personal Information
- Educational Qualification
- Work Experience
Step 7
Upload:
- Passport-size Photograph
- Signature
As per the prescribed specifications.
Step 8
Pay the application fee online.
Step 9
Submit the application and download the confirmation page for future reference
BOI Credit Officer Exam Pattern
The online examination consists of 150 objective-type questions carrying 150 marks.
| Section | Questions | Marks |
| English Language | 25 | 25 |
| Reasoning Ability | 25 | 25 |
| Quantitative Aptitude | 25 | 25 |
| Professional Knowledge | 75 | 75 |
| Total | 150 | 150 |
Exam Duration
120 Minutes
Negative Marking
- 0.25 marks will be deducted for every incorrect answer.
- No penalty for unanswered questions.
Qualifying Marks
- General & EWS – 35 Marks
- SC/ST/OBC/PwBD – 30 Marks
The English Language section is qualifying in nature.
Professional Knowledge Syllabus
The Professional Knowledge section carries the highest weightage.
Candidates should prepare topics such as:
- Credit Appraisal
- Banking Regulations
- Financial Statement Analysis
- NPA Management
- Working Capital Assessment
- MSME Lending
- Credit Risk Management
- Banking Laws
- Lending Procedures
Strong preparation in this section can significantly improve overall performance.
Salary Structure
Selected candidates will receive attractive salaries along with allowances like DA, HRA, medical benefits, and other perks
| Scale | Basic Pay |
| MMGS-II | ₹64,820 – ₹93,960 |
| MMGS-III | ₹85,920 – ₹1,05,280 |
| SMGS-IV | ₹1,02,300 – ₹1,20,940 |
The actual in-hand salary depends on the place of posting and applicable allowances.
Selection Process
The recruitment process consists of two stages.
Stage 1 – Online Examination
Candidates must qualify in all sections by securing the minimum qualifying marks.
Stage 2 – Interview
Candidates shortlisted based on the online examination will be invited for the interview.
The final merit list will be prepared based on the combined performance in:
- Online Examination
- Interview
How to Download the Official Notification
To download the notification:
- Visit the official Bank of India website.
- Go to the Careers section.
- Click on Recruitment of Credit Officers 2026.
- Download the PDF notification.
Candidates are advised to read the complete notification carefully before applying to understand the eligibility criteria, experience requirements, reservation rules, and document verification process.
Frequently Asked Questions (FAQs)
1. How many vacancies are available under BOI Credit Officer Recruitment 2026?
A total of 779 vacancies have been announced across MMGS-II, MMGS-III, and SMGS-IV.
2. What is the last date to apply?
The last date to submit the online application is July 20, 2026.
3. Is there negative marking in the exam?
Yes. 0.25 marks will be deducted for every incorrect answer.
4. What is the selection process?
The selection process includes:
- Online Examination
- Interview
5. What is the mode of examination?
The examination will be conducted in online mode.
6. What is the salary of a Credit Officer in BOI?
Depending on the scale, the basic pay ranges from ₹64,820 to ₹1,20,940, along with various allowances and benefits.
Final Thoughts
The Bank of India Credit Officer Recruitment 2026 is among the prominent banking recruitment programs for the year with job opportunities available in the bank for managerial positions at various levels, with 779 openings. The career development opportunities, employment stability, and good salary package make it an ideal recruitment for the banking fraternity who would be eligible.
Interested candidates should verify their eligibility, prepare all required documents, and complete the online application well before the July 20, 2026 deadline to avoid last-minute technical issues. Keep checking the official BOI website regularly for updates regarding the examination date, admit card, and further recruitment notifications.
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