Bank of India (BOI) Credit Officers Recruitment 2026 notification has been officially released by the Bank vide Project No. 2026-27/01, Notice dated 01 June 2026. A massive 779 vacancies for the post of Credit Officers in GBO (General Banking Officer) Stream have been advertised across three scales — MMGS-II, MMGS-III and SMGS-IV. Eligible candidates can apply online from 30 June 2026 to 20 July 2026 through the official Bank of India website www.bankofindia.bank.in. This is one of the biggest Sarkari Naukri opportunities of 2026 for banking aspirants, as the total vacancies also include 475 unfilled posts carried forward from the previous recruitment project.
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Bank of India Credit Officers Recruitment 2026 Overview – Apply Online for 779 GBO Stream Vacancies
| Particular | Details |
| Organization | Bank of India (BOI), Recruitment Division, HR Department, Head Office, Mumbai |
| Project No. | 2026-27/01, Notice Dated: 01.06.2026 |
| Post Name | Credit Officers (GBO Stream) |
| Scales | MMGS-II, MMGS-III, SMGS-IV |
| Total Vacancies | 779 (includes 475 unfilled vacancies of Project 2025-26/01) |
| Application Mode | Online (www.bankofindia.bank.in) |
| Job Type | Public Sector Bank Job (Direct Recruitment) |
| Application Start Date | 30 June 2026 |
| Last Date to Apply | 20 July 2026 |
| Relevant Date for Age/Qualification | 01 June 2026 |
| Tentative Online Exam Date | Will be advised separately |
| Official Website | www.bankofindia.bank.in |
Bank of India Credit Officers Recruitment 2026 is one of the largest banking sector Sarkari Naukri notifications of the year, offering a stable career in the General Banking Officer stream to candidates across India. Selection will be made through Online Examination and/or Personal Interview, depending on the number of eligible applicants. Candidates preparing for Bank Credit Officer Jobs 2026 in MMGS-II, MMGS-III and SMGS-IV scales should not miss this golden opportunity.
Bank of India Credit Officers 2026 – Scale Wise and Category Wise Vacancy Breakup
The total 779 vacancies for Credit Officers (GBO Stream) are distributed across three scales — MMGS-II, MMGS-III and SMGS-IV. Below is the complete category-wise vacancy breakup along with PwBD-wise distribution:
| Scale | SC | ST | OBC | EWS | GEN | Total | HI | VI | OC | ID | Age (Min–Max) |
| MMGS-II | 102 | 52 | 180 | 69 | 274 | 677 | 7 | 7 | 7 | 6 | 25 – 32 Years |
| MMGS-III | 10 | 5 | 16 | 8 | 22 | 61 | 1 | 1 | – | – | 28 – 38 Years |
| SMGS-IV | 6 | 2 | 9 | 3 | 21 | 41 | – | – | 1 | 1 | 32 – 45 Years |
| Grand Total | 118 | 59 | 205 | 80 | 317 | 779 | 8 | 8 | 8 | 7 | – |
Note: Total 779 vacancies include 475 unfilled vacancies of the previous recruitment exercise Project 2025-26/01 dated 01.11.2025. The number of vacancies and reserved vacancies is provisional and may vary as per the actual requirement of the Bank. Abbreviations: SC – Scheduled Caste, ST – Scheduled Tribe, OBC – Other Backward Classes, EWS – Economically Weaker Section, GEN – General/Unreserved, HI – Hearing Impaired, VI – Visually Impaired, OC – Orthopedically Challenged, ID – Intellectual Disability.
BOI Credit Officers Recruitment 2026 Eligibility Criteria – Nationality, Age and Qualification
Nationality / Citizenship:
A candidate must be either (i) a Citizen of India, or (ii) a subject of Nepal, or (iii) a subject of Bhutan, or (iv) a Tibetan Refugee who came to India before 1 January 1962 with the intention of permanently settling in India, or (v) a person of Indian origin who has migrated from Pakistan, Burma, Sri Lanka, East African countries (Kenya, Uganda, Tanzania, Zambia, Malawi, Zaire, Ethiopia) or Vietnam with the intention of permanently settling in India. Candidates under categories (ii) to (v) must possess a certificate of eligibility issued by the Government of India.
Educational Qualification:
The detailed scale-wise educational qualification and post-specific eligibility criteria for Credit Officers (GBO Stream) are notified separately in Annexure-I to the Notice dated 01.06.2026, available on the official Bank of India website. Candidates are strongly advised to check Annexure-I carefully before applying, since applications not meeting the prescribed qualification will be summarily rejected at any stage of the selection process. Candidates should indicate the percentage obtained in Graduation calculated to the nearest two decimals; wherever CGPA/OGPA is awarded, it must be converted into percentage.
Important Eligibility Notes:
- Candidates belonging to reserved category (SC/ST/OBC/PWD) applying against reserved vacancies get a 5% relaxation wherever a minimum 60% marks criterion is stipulated in educational qualification (i.e., minimum 55% required).
- Candidates who were holding a similar post in Bank of India in the past are not eligible.
- Candidates should be ready to work anywhere in India, as the Bank reserves the right to post/transfer officers anywhere in India.
- A candidate can apply for only one post/scale. In case of multiple applications, only the latest valid application will be retained and fees paid for other registrations will be forfeited.
BOI Credit Officers 2026 Age Limit – Scale Wise Age Details as on 01.06.2026
| Scale | Minimum Age | Maximum Age |
| MMGS-II | 25 Years | 32 Years |
| MMGS-III | 28 Years | 38 Years |
| SMGS-IV | 32 Years | 45 Years |
Upper Age Relaxation:
| Category | Age Relaxation |
| Scheduled Caste / Scheduled Tribe | 5 Years |
| Other Backward Classes (Non-Creamy Layer) | 3 Years |
| Persons With Benchmark Disabilities | 10 Years |
| Ex-Servicemen / ECOs / SSCOs (min. 5 yrs military service) | 5 Years |
| Persons affected by 1984 Riots | 5 Years |
The maximum age limit is applicable to General Category and EWS candidates. Relaxation for SC/ST/OBC candidates is allowed on a cumulative basis with only one of the other relaxation categories mentioned above. All age relaxation claims must be supported by original certificates at the time of interview.
Bank of India Credit Officers 2026 Salary – Pay Scale Details for MMGS-II, MMGS-III and SMGS-IV
| Scale | Basic Pay Scale (in Rs.) |
| MMGS-II | 64,820 – 2,340(1) – 67,160 – 2,680(10) – 93,960 |
| MMGS-III | 85,920 – 2,680(5) – 99,320 – 2,980(2) – 1,05,280 |
| SMGS-IV | 1,02,300 – 2,980(4) – 1,14,220 – 3,360(2) – 1,20,940 |
In addition to Basic Pay, selected candidates will be entitled to other allowances and perquisites as applicable as per Bank of India’s extant rules, making the overall compensation package highly attractive for banking job seekers.
BOI Credit Officers 2026 Application Fee – How Much to Pay and Who is Exempt
| Category | Application Fee (Inclusive of GST) |
| SC / ST / PWD | ₹175/- (Intimation Charges Only) |
| General & Others | ₹850/- (Application Fee + Intimation Charges) |
Fee can be paid through online mode only, using Master/Visa/RuPay Credit Card, Debit Card, Internet Banking, Cash Cards/Mobile Wallets, QR or UPI. Bank transaction charges for online payment will have to be borne by the candidate. Fee once paid is non-refundable and cannot be held in reserve for any other recruitment process. Payment window: 30.06.2026 to 20.07.2026 (both days inclusive).
Bank of India Credit Officers 2026 Selection Process – Online Exam and Interview Details
Selection for Credit Officers (GBO Stream) will be through Online Examination and/or Personal Interview, depending on the number of applicants:
Online Examination Pattern:
| Test Name | No. of Questions | Maximum Marks | Duration |
| English Language | 25 | 25 | Composite Time of 120 Minutes |
| Professional Knowledge (relevant to the post) | 100 | 100 | |
| Total | 125 | 125 | – |
- English Language Test is qualifying in nature; marks are not added to the merit list.
- Minimum qualifying marks in English Language and Professional Knowledge Test: 35% for General/EWS candidates, with 5% relaxation for SC/ST/OBC/PWD category.
- There is negative marking of one-fourth (1/4) marks for each wrong answer. No penalty for unattempted questions.
- Tests (except English Language) will be available bilingually in English and Hindi.
Interview:
Candidates ranking sufficiently high in merit (based on Professional Knowledge Test marks) will be shortlisted for interview in a ratio of 1:3 to the number of vacancies. If Online Examination and Interview are both conducted, the weightage will be 70:30. Minimum qualifying marks in interview: 50% for General/EWS and 45% for SC/ST/OBC/PWD category candidates. If only Interview is conducted (without Online Examination), the same minimum qualifying marks apply, with maximum marks of 100.
Bank of India Credit Officers Recruitment 2026 Important Dates
| Notice Release Date | 01 June 2026 |
| Application Start Date | 30 June 2026 |
| Last Date to Submit Online Application | 20 July 2026 |
| Last Date for Online Fee Payment | 20 July 2026 |
| Relevant Date for Age/Qualification | 01 June 2026 |
| Tentative Online Examination Date | Will be advised separately on official website |
BOI Credit Officers 2026 – Examination Centres
The Online Examination will be conducted at various centres across India, including Ahmedabad/Gandhinagar, Bengaluru, Hubballi/Dharwad, Bhopal, Indore, Ujjain, Bhubaneswar, Mohali, Chennai, Coimbatore, Dehradun, Delhi/Delhi NCR, Guwahati, Hyderabad, Vijayawada/Guntur, Visakhapatnam, Jaipur, Jammu, Kolkata, Lucknow, Agra, Kanpur, Mumbai/Thane/Navi Mumbai/MMR, Panaji, Patna, Raipur, Ranchi, Shimla, Bilaspur and Thiruvananthapuram/Ernakulam. No request for change of examination centre will be entertained, and the Bank reserves the right to add, cancel, or reallocate centres at its discretion.
Bank of India Credit Officers 2026 – Security Deposit for Selected Candidates
| Scale | Security Deposit (Refundable after 3 years of satisfactory service) |
| MMGS-II | ₹2,00,000/- |
| MMGS-III | ₹3,00,000/- |
| SMGS-IV | ₹3,00,000/- |
This amount will be forfeited if a selected candidate leaves the Bank before completing 3 years of satisfactory service.
How to Apply for Bank of India Credit Officers Recruitment 2026 – Step by Step Online Application Guide
- Visit the official Bank of India website at www.bankofindia.bank.in
- Click on the “CAREER” tab and then click the link “Recruitment of Credit Officers in GBO Stream Project No. 2026-27/01 Notice dated 01.06.2026”
- Click on “APPLY ONLINE” and then “Click here for New Registration”
- Enter your Name, Contact details and Email ID. Note down the Provisional Registration Number and Password generated by the system
- Log in and fill the online application form carefully, using “SAVE AND NEXT” to verify details before final submission
- Upload scanned photograph (20–50 KB), signature (10–20 KB), left thumb impression (20–50 KB) and hand-written declaration (50–100 KB) strictly as per the prescribed specifications
- Fill in other required details and upload relevant experience documents/certificates as applicable
- Click “Preview” to verify the entire application form before clicking “COMPLETE REGISTRATION”
- Proceed to the Payment tab and pay the application fee of ₹850 (General & Others) or ₹175 (SC/ST/PWD) through online mode only
- On successful payment, take a printout of the e-Receipt and the system-generated online application form for future reference
Important: Not more than one application should be submitted by any candidate. In case of multiple applications, only the latest valid (completed) application will be retained, and fees paid for other registrations will stand forfeited. The printout of the application should NOT be sent to the Bank; it should be retained for submission at the time of interview.
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BOI Credit Officers 2026 – Documents Required at the Time of Interview
- Printout of the valid Interview Call Letter
- Valid system-generated printout of the Online Application Form
- Proof of Date of Birth (Birth Certificate or SSLC/Std. X Certificate)
- Valid Photo Identity Proof (PAN Card/Passport/Driving Licence/Voter’s Card/Aadhaar Card, etc. — Ration Card and Learner’s Licence not accepted)
- Mark sheets and certificates for educational qualifications (result declared on or before 01.06.2026)
- Caste Certificate in prescribed format for SC/ST/OBC candidates (OBC certificate with Non-Creamy Layer clause, issued on or after 01.04.2026)
- Income and Asset Certificate for EWS category candidates (based on FY 2025-26 income)
- Disability Certificate in prescribed format for PWD category candidates
- Discharge Book/Pension Payment Order and rank proof for Ex-Servicemen candidates
- No Objection Certificate (NOC) for candidates serving in Government/PSU/Nationalised Banks
- Experience certificates, as applicable
Bank of India Credit Officers 2026 Important Links – Apply Online & Official Notification
| Action | Link |
| Apply Online | Click Here |
| Official Notification / Advertisement | Download |
| Annexure-I (Eligibility Criteria) | Click Here |
| Bank of India Official Website | www.bankofindia.bank.in |
FAQs – Bank of India Credit Officers (GBO Stream) Recruitment 2026
Bank of India Credit Officers Recruitment 2026 is an official banking sector job notification released vide Project No. 2026-27/01, Notice dated 01 June 2026. Through this notification, Bank of India has advertised a total of 779 vacancies for the post of Credit Officers in the GBO (General Banking Officer) Stream, distributed across MMGS-II (677 posts), MMGS-III (61 posts) and SMGS-IV (41 posts). Notably, this figure includes 475 unfilled vacancies from the previous recruitment exercise Project 2025-26/01 dated 01.11.2025. Selection will be made through Online Examination and/or Personal Interview depending on the number of eligible applicants, making this one of the largest PSB officer recruitment drives of the year.
The last date for submission of the Online Application Form as well as online payment of application fee for Bank of India Credit Officers (GBO Stream) Recruitment 2026 is 20 July 2026. The application window opened on 30 June 2026. Candidates are strongly advised by the Bank itself to apply well before the closing date, as heavy internet traffic near the deadline may cause login or connectivity issues. Applications received after the last date will not be accepted under any circumstances, and the Bank will not be responsible for candidates unable to apply due to technical issues beyond its control.
The age limit for Bank of India Credit Officers Recruitment 2026 is calculated as on 01 June 2026 and varies by scale. For MMGS-II, the age limit is 25 to 32 years; for MMGS-III, it is 28 to 38 years; and for SMGS-IV, it is 32 to 45 years. Reserved category candidates get age relaxation as follows: SC/ST candidates get 5 years, OBC (Non-Creamy Layer) candidates get 3 years, Persons with Benchmark Disabilities get 10 years, Ex-Servicemen get 5 years, and persons affected by the 1984 riots get 5 years. This relaxation is applicable on a cumulative basis with only one additional relaxation category.
The salary for Credit Officers under Bank of India Recruitment 2026 depends on the scale of appointment. MMGS-II carries a basic pay scale of ₹64,820 – ₹93,960, MMGS-III carries ₹85,920 – ₹1,05,280, and SMGS-IV carries ₹1,02,300 – ₹1,20,940. Apart from basic pay, selected candidates are entitled to other allowances and perquisites as applicable as per the Bank’s extant rules. Selected candidates are also required to pay a refundable security deposit ranging from ₹2,00,000 (MMGS-II) to ₹3,00,000 (MMGS-III and SMGS-IV), refundable after 3 years of satisfactory service.
The application fee for Bank of India Credit Officers Recruitment 2026 is ₹850/- (inclusive of GST) for General and Other category candidates, covering both application fee and intimation charges. For SC, ST, and PWD category candidates, the fee is ₹175/- (intimation charges only). The fee can be paid through online mode only, using Credit Card, Debit Card, Internet Banking, Cash Cards/Mobile Wallets, QR or UPI. Bank transaction charges for online payment are to be borne by the candidate, and the fee once paid is non-refundable under any circumstances.
Selection for Bank of India Credit Officers Recruitment 2026 will be through Online Examination and/or Personal Interview, depending on the number of eligible applicants. The Online Examination consists of an English Language Test (25 marks, qualifying in nature) and a Professional Knowledge Test (100 marks), to be completed in a composite duration of 120 minutes, with negative marking of one-fourth mark for each wrong answer. Candidates securing minimum qualifying marks and ranking sufficiently high in merit will be called for interview in a ratio of 1:3 to vacancies. If both stages are conducted, the final weightage will be 70:30 in favour of the Online Examination.
The Online Examination for Bank of India Credit Officers Recruitment 2026 will be conducted at various centres across India, including Ahmedabad/Gandhinagar, Bengaluru, Bhopal, Indore, Bhubaneswar, Mohali, Chennai, Coimbatore, Dehradun, Delhi/Delhi NCR, Guwahati, Hyderabad, Vijayawada, Visakhapatnam, Jaipur, Jammu, Kolkata, Lucknow, Kanpur, Mumbai/Thane/Navi Mumbai, Panaji, Patna, Raipur, Ranchi, Shimla, and Thiruvananthapuram, among others. No request for change of examination centre will be entertained by the Bank, and the exact date, time, and venue will be intimated separately through the call letter available on the official website.
The scale-wise detailed educational qualification and specific eligibility norms for the post of Credit Officers (GBO Stream) are notified in Annexure-I to the Notice dated 01.06.2026, which is available for download on the official Bank of India website. Candidates are strongly advised to thoroughly check Annexure-I before proceeding with the online application, as candidates not fulfilling the prescribed qualification criteria will be summarily rejected at any stage of the recruitment process, including at the time of document verification and interview.