Bank of India Credit Officer Recruitment 2025 : 514 Vacancies
Bank of India Credit Officer Recruitment 2025 has been officially announced, opening doors for aspirants looking for a specialised officer role in a PSU bank. With 514 Credit Officer vacancies notified under the GBO stream, this recruitment targets candidates seeking stable banking careers, strong salary growth, and nationwide exposure.
🔍 Bank of India Credit Officer Recruitment 2025 Overview
| Particulars | Details |
|---|---|
| Recruiting Bank | Bank of India |
| Recruitment Name | Credit Officer Recruitment (GBO Stream) |
| Project Number | 2025-26/01 |
| Total Vacancies | 514 |
| Job Location | Anywhere in India |
| Selection Mode | Online Examination |
| Application Mode | Online |
🧾 BOI Credit Officer Recruitment Vacancy
The BOI Credit Officer Recruitment 2025 has announced a total of 514 Credit Officer vacancies, making it one of the largest officer-level credit recruitments in a PSU bank this year. These Credit Officer posts under the GBO stream are offered in MMGS-II, MMGS-III, and SMGS-IV scales, ensuring opportunities for both mid-level and senior banking professionals looking to grow in credit, lending, and risk assessment roles.
| Post Name | Scale | Total Vacancies |
|---|---|---|
| Credit Officer | SMGS-IV | 36 |
| Credit Officer | MMGS-III | 60 |
| Credit Officer | MMGS-II | 418 |
| Total | — | 514 |
🔗 Important Links BOI Credit Officer
| Purpose | Link |
|---|---|
| Official Website | BOI Website |
| Recruitment Section | BOI Careers Page |
| Apply Online | Apply Here |
| Official Notification | Download Here |
💰 Bank of India Credit Officer Salary Structure
The Bank of India Credit Officer salary is a major attraction for aspirants looking for high-paying PSU bank officer jobs. As per the official notification, Bank of India follows the 7th Bipartite Settlement and Officer Pay Scales, offering strong basic pay growth with long-term career stability. In addition to basic pay, officers are eligible for DA, HRA, TA, and other benefits as per Bank of India norms.
| Scale | Pay Scale (Basic Pay) |
|---|---|
| MMGS-II | ₹64,820 – ₹93,960 |
| MMGS-III | ₹85,920 – ₹1,05,280 |
| SMGS-IV | ₹1,02,300 – ₹1,20,940 |
🎓 Eligibility Criteria for BOI Credit Officer Posts
Candidates applying for Bank of India Credit Officer 2025 must strictly meet all eligibility conditions as on 01 November 2025. Applications of ineligible candidates may be rejected at any stage of the recruitment process, including document verification or interview.
Educational Qualification Requirement
For all officer scales (MMGS-II, MMGS-III, SMGS-IV), candidates must possess:
A Graduation degree in any discipline from a recognised University
Minimum 60% aggregate marks for General and EWS categories
55% aggregate marks for SC, ST, OBC, and PwBD candidates
The percentage must be calculated as per university norms. CGPA or grade scores must be converted into percentage as required.
Experience Criteria for Credit Officer Posts
Relevant banking and credit experience is mandatory and varies by scale. Only experience gained as an Officer in a Bank or Financial Institution is considered.
Credit Officer (MMGS-II)
Minimum 3 years of officer-level experience, with at least 2 years in MSME, Commercial, or Corporate Credit processingCredit Officer (MMGS-III)
Minimum 5 years of officer-level experience, including 3 years in MSME, Commercial, or Corporate Credit handlingCredit Officer (SMGS-IV)
Minimum 8 years of officer-level experience, out of which 5 years must be in MSME, Commercial, or Corporate Credit
Experience must be supported by valid documentary proof.
Age Limit Criteria (As on 01.11.2025)
The prescribed age limits differ by officer scale:
MMGS-II: 25 to 35 years
MMGS-III: 28 to 38 years
SMGS-IV: 30 to 40 years
Age relaxation is applicable for reserved categories as per Government of India norms.
🧪 Bank of India Credit Officer Selection Method
The Bank of India Credit Officer selection process is designed to assess both professional banking knowledge and decision-making ability. Depending on the number of applications received, the bank may conduct an online examination, a personal interview, or both, as clearly stated in the official notification.
Candidates must note that clearing one stage alone does not guarantee selection. Final appointment depends on overall merit and performance in the applicable stages of the recruitment process.
Selection Stages
Online Examination (may be skipped by the Bank of India)
Personal Interview
Final merit list prepared based on combined scores
Weightage of Selection Stages (If Exam Is Conducted)
Online Examination: 70%
Personal Interview: 30%
📝 Credit Officer Online Exam Pattern Details
The BOI Credit Officer online exam pattern focuses heavily on professional banking and credit knowledge, making it different from routine bank exams. The online examination consists of objective-type questions with a penalty for wrong answers, while the English section is qualifying in nature and does not impact the final merit score.
| Section | Questions | Marks |
|---|---|---|
| English Language (Qualifying) | 25 | 25 |
| Reasoning | 25 | 25 |
| Quantitative Aptitude | 25 | 25 |
| Professional Knowledge | 75 | 75 |
| Total | 150 | 150 |
🗓️ Important Dates Table
| Event | Date |
|---|---|
| Notification Date | 01 November 2025 |
| Application Start | 20 December 2025 |
| Last Date to Apply | 05 January 2026 |
| Cut-off Date Qualification | 01 November 2025 |
| Exam Date | Will be advised separately |
🖥️ BOI Credit Officer Recruitment Application Process
Applying correctly is crucial for the BOI Credit Officer Recruitment 2025, as the Bank of India does not allow corrections after final submission. The application process is completely online-based, and incomplete or incorrect submissions may lead to rejection at any stage of the recruitment process.
Go to Careers → Credit Officer Recruitment
Register with email and mobile number
Fill application form carefully
Upload photo, signature, thumb impression, declaration
Pay application fee
Submit and save application printout
💳 Application Fee for BOI Credit Officer Recruitment 2025
Candidates applying for the BOI Credit Officer Recruitment 2025 are required to pay a non-refundable application fee as per their category. The fee must be paid online only, and the application will be considered valid only after successful payment. Bank of India has kept the fee structure category-wise and transparent, ensuring equal opportunity while following Government norms for fee concessions.
| Category | Fee |
|---|---|
| SC / ST / PwBD | ₹175 |
| General / OBC / EWS | ₹850 |
📂 Documents Required for BOI Credit Officer Recruitment
Candidates shortlisted for the BOI Credit Officer Recruitment 2025 must produce original documents along with self-attested photocopies at the time of interview and verification. Failure to submit the required documents may lead to cancellation of candidature, even after clearing earlier stages.
Online application printout
Call letter
Photo ID proof
Educational certificates
Category certificate (if applicable)
Experience certificates
Income & Asset certificate (EWS)
Disability certificate (PwBD)
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🌟 Final Thoughts for Serious Banking Aspirants
The Bank of India Credit Officer Recruitment 2025 is clearly aimed at candidates who want long-term growth in credit, risk, and banking operations. With a strong salary structure, nationwide posting, and professional exposure, this is not just a job but a career-defining opportunity.
✨ Wishing you confidence, focus, and success in your Bank of India journey. May your efforts turn into an officer badge very soon.
FAQs BOI Credit Officer Recruitment 2025
Bank of India has notified 514 Credit Officer vacancies across MMGS-II, MMGS-III, and SMGS-IV scales.
Candidates must have a graduation degree with at least 60% marks, while reserved categories get 5% relaxation.
The age limit is 25 to 35 years as on 01 November 2025, with applicable relaxations.
The online exam has 150 questions for 150 marks, with Professional Knowledge carrying the highest weightage.
The basic pay ranges from ₹64,820 to ₹1,20,940, depending on the officer scale.
No, selected candidates are liable to be posted anywhere in India as per Bank of India’s operational requirements.