Bank of India Credit Officer Recruitment 2026: Bank of India (BOI), one of India’s leading public sector banks, has officially released the Credit Officer Recruitment 2026 notification. A total of 779 vacancies have been announced across three officer scales — MMGS-II, MMGS-III, and SMGS-IV — under the Credit & Lending (GBO Stream). This is an excellent opportunity for experienced banking professionals and CA/CMA/CS/CFA holders to join a prestigious nationalized bank in a permanent, well-paying officer-grade role.
The online application process begins on June 30, 2026, and the last date to apply is July 20, 2026 (11:59 PM). Candidates are strongly advised to read the official notification in full before filling out the application form, as each post carries specific experience and qualification requirements.
Bank of India Credit Officer Recruitment 2026 – Overview
| Particulars | Details |
|---|---|
| Recruiting Authority | Bank of India (BOI) |
| Post Name | Credit Officer (Credit & Lending – GBO Stream) |
| Scales | MMGS-II, MMGS-III, SMGS-IV |
| Total Vacancies | 779 Posts |
| Job Type | Permanent Bank Officer (Regular) |
| Job Location | All India |
| Application Mode | Online Only |
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Important Dates
| Event | Date |
|---|---|
| Official Notification Release Date | June 29, 2026 |
| Online Application Start Date | June 30, 2026 |
| Last Date to Apply Online | July 20, 2026 (11:59 PM Sharp) |
| Admit Card Release Date | To be announced |
| Written Exam / Interview Date | To be announced |
Application Fee – Bank of India Credit Officer Recruitment 2026
| Candidate Category | Application Fee |
|---|---|
| General / OBC / EWS | ₹850/- |
| SC / ST / PwD (Divyang) | ₹175/- |
| Payment Mode | Online (Net Banking / Credit Card / Debit Card / UPI) |
Age Limit – Bank of India Credit Officer Recruitment 2026
Age is calculated as on June 1, 2026. The age bracket varies by scale/post:
| Post Name | Scale | Minimum Age | Maximum Age |
|---|---|---|---|
| Credit Officer | MMGS-II | 25 Years | 32 Years |
| Credit Officer | MMGS-III | 28 Years | 38 Years |
| Credit Officer | SMGS-IV | 32 Years | 45 Years |
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Post-Wise Eligibility & Experience – Bank of India Credit Officer 2026
1. Credit Officer – MMGS-II
- Educational Qualification: Any Bachelor’s Degree with minimum 60% marks (General/EWS) or 55% marks (SC/ST/OBC/PwD) from a recognized university OR CA / CMA (ICWA) / CS / CFA qualification
- Experience Required: Minimum 3 years of experience as a bank officer, of which at least 2 years must be specifically in processing of:
- MSME Credit
- Commercial Credit
- Project Finance
- Mid & Large Credit
- (In Scheduled Commercial Banks / Financial Institutions / NBFC)
2. Credit Officer – MMGS-III
- Educational Qualification: Any Bachelor’s Degree with minimum 60% marks (General/EWS) or 55% marks (SC/ST/OBC/PwD) OR CA / CMA (ICWA) / CS / CFA qualification
- Experience Required: Minimum 5 years of experience as a bank officer, of which at least 3 years must be specifically in processing of:
- MSME Credit
- Commercial Credit
- Project Finance
- Mid & Large Credit
- (In Scheduled Commercial Banks / Financial Institutions / NBFC)
3. Credit Officer – SMGS-IV
- Educational Qualification: Any Bachelor’s Degree with minimum 60% marks (General/EWS) or 55% marks (SC/ST/OBC/PwD) OR CA / CMA (ICWA) / CS / CFA qualification
- Experience Required: Minimum 7 years of experience as a bank officer, of which at least 4 years must be specifically in processing of:
- MSME Credit
- Commercial Credit
- Project Finance
- Mid & Large Credit
- (In Scheduled Commercial Banks / Financial Institutions / NBFC)
Vacancy Details – Post & Category Wise Breakup
| Post Name | Scale | SC | ST | OBC | EWS | General | Total |
|---|---|---|---|---|---|---|---|
| Credit Officer (GBO Stream) | MMGS-II | 102 | 52 | 180 | 69 | 274 | 677 |
| Credit Officer (GBO Stream) | MMGS-III | 10 | 05 | 16 | 08 | 22 | 61 |
| Credit Officer (GBO Stream) | SMGS-IV | 06 | 02 | 09 | 03 | 21 | 41 |
| Total | 118 | 59 | 205 | 80 | 317 | 779 |
Pay Scale & Salary – Bank of India Credit Officer 2026
| Post | Scale | Pay Scale Structure | Approx. Gross Salary |
|---|---|---|---|
| Credit Officer | MMGS-II | ₹64,820 – 2,340 (1) – 67,160 – 2,680 (10) – ₹93,960 | ₹80,000 – ₹95,000/month (approx.) |
| Credit Officer | MMGS-III | ₹85,920 – 2,680 (5) – 99,320 – 2,980 (2) – ₹1,05,280 | ₹1,00,000 – ₹1,15,000/month (approx.) |
| Credit Officer | SMGS-IV | ₹1,02,300 – 2,980 (4) – 1,14,220 – 3,360 (2) – ₹1,20,940 | ₹1,20,000 – ₹1,35,000/month (approx.) |
Selection Process – Bank of India Credit Officer Recruitment 2026
- Written Examination and/or Interview – Candidates may be called for an objective/descriptive written test and/or a personal interview depending on the number of applications received. For higher scales (MMGS-III, SMGS-IV), the interview component carries greater weightage.
- Medical Examination – Shortlisted candidates must undergo a medical fitness test at a designated bank-approved center
- Document Verification (DV) – Final verification of all original academic certificates, experience letters, and category documents
How to Apply Online – Bank of India Credit Officer Recruitment 2026
- Visit the Official Website – Open bankofindia.co.in and go to the “Careers” section
- Find Active Notification – Click on “Credit Officer Recruitment 2026” under the current openings
- Register / Login – Create a fresh account using your email ID and mobile number, or log in to your existing portal account
- Select Your Post & Scale – Choose the appropriate post scale (MMGS-II / MMGS-III / SMGS-IV) based on your eligibility
- Fill the Application Form – Enter your personal details, educational qualifications, and work experience details accurately. Ensure all experience details match your official employment records
- Upload Documents – Upload recent passport-size photograph, signature, and scanned copies of degree certificates, experience letters, age proof, and category certificate (if applicable)
- Pay the Fee – Complete the application fee payment online as per your category
- Submit & Save Confirmation – Preview the completed form carefully before final submission. After submitting, download and print the application receipt for future reference
Important Links – Bank of India Credit Officer Recruitment 2026
| Resource | Dates | Link |
|---|---|---|
| Apply Online | 30/06/2026 | Apply Now |
| Qualification Details PDF | 30/06/2026 | Download |
| Official Notification PDF | 29/06/2026 | Download |
| BOI Official Website | 29/06/2026 | Visit Now |
Frequently Asked Questions (FAQs) – BOI Credit Officer Recruitment 2026
Online application ki last date 20 July 2026 (11:59 PM) hai.
Total 779 posts hain — MMGS-II (677), MMGS-III (61), aur SMGS-IV (41).
Kisi bhi stream mein Bachelor’s Degree with 60% marks (General/EWS) ya 55% marks (SC/ST/OBC/PwD) OR CA / CMA / CS / CFA qualification required hai. Saath mein post-wise experience bhi mandatory hai.
MMGS-II ke liye 3 saal (jisme 2 saal credit domain mein), MMGS-III ke liye 5 saal (jisme 3 saal credit mein), aur SMGS-IV ke liye 7 saal (jisme 4 saal credit mein) experience zaroori hai.
MMGS-II mein approx. ₹80,000–95,000/month, MMGS-III mein ₹1,00,000–1,15,000/month, aur SMGS-IV mein ₹1,20,000–1,35,000/month (DA + HRA + allowances sahit).
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