The Bank of India (BOI) has released the official notification for Credit Officer Recruitment 2025-26, offering a golden opportunity for banking aspirants. With 514 vacancies across various scales, this recruitment drive (Project No. 2025-26/01) targets experienced professionals in credit processing. Applications open on December 20, 2025, and close on January 5, 2026. If you’re preparing for banking jobs, this is one of the major opportunities in the public sector banking space this year.Bank of India Credit Officer Recruitment 2025: Overview
| Particulars | Details |
|---|---|
| Recruitment Body | Bank of India (BOI) |
| Post Name | Credit Officer (General Banking Officer Stream) |
| Vacancies | 514 |
| Scales | MMGS-II, MMGS-III, SMGS-IV |
| Application Mode | Online |
| Application Dates | December 20, 2025 – January 5, 2026 |
| Selection Process | Online Exam + Personal Interview |
| Official Website | bankofindia.co.in |
Vacancy BreakdownThe 514 vacancies are distributed as follows:
- MMGS-II: 418 posts
- MMGS-III: 60 posts
- SMGS-IV: 36 posts
Total: 514 Credit Officer Posts. Reservations apply as per government norms for SC/ST/OBC/EWS/PwD categories.Eligibility Criteria for BOI Credit Officer 2025Candidates must meet scale-specific requirements:Educational Qualification
- MBA/PGDBM in Banking & Finance or a two-year full-time Post Graduate Degree in Banking/Finance/credit-related fields from a recognized university.
- Additional certifications (e.g., from IIBF in International Trade Finance, Credit Professional, or MSME) may be preferred or required for higher scales.
Post-Qualification Experience (as an Officer)
- MMGS-II → Minimum 3 years, with at least 2 years in MSME/Commercial Credit/Project Finance/Mid & Large Credit processing.
- MMGS-III → Minimum 5 years, with at least 3 years in relevant credit processing.
- SMGS-IV → Minimum 8 years, with at least 5 years in relevant credit processing.
Experience must be in Scheduled Public/Private Sector Banks, Financial Institutions, or Foreign Banks.
Age limits vary by scale (typically 25–40 years, with relaxations for reserved categories). Check the official notification for exact details.Important Dates
| Event | Date |
|---|---|
| Notification Release | November 2025 (active now) |
| Online Application Start | December 20, 2025 |
| Last Date to Apply Online | January 5, 2026 |
| Payment of Fee | January 5, 2026 |
| Download of Call Letters | To be notified |
| Online Examination | To be notified |
Application Fee
- General/OBC/EWS → ₹850/-
- SC/ST/PwD → ₹175/-
Fee payment is online only.Selection Process
- Online Examination — Objective test covering Professional Knowledge, English, General Awareness (Banking focus), and Data Analysis.
- Personal Interview — Shortlisting based on online exam scores.
- Final Merit — Weighted score: Online Exam (70%) + Interview (30%).
A service bond applies (₹2–3 lakh depending on scale).How to Apply Online for Bank of India Credit Officer 2025
- Visit the official website: bankofindia.co.in.
- Go to Career > Current Openings.
- Click on “Recruitment of Credit Officers – Project 2025-26/01”.
- Register and fill the online application form.
- Upload photograph, signature, and required documents.
- Pay the application fee.
- Submit and take a printout.
Note: Candidates can apply for only one post/scale. Multiple applications will lead to disqualification.
Salary and BenefitsSelected Credit Officers will receive attractive pay scales as per Bank of India norms, along with DA, HRA, medical benefits, and other perks typical of public sector banks.Preparation Tips for BOI Credit Officer Exam
- Focus on Credit-related Professional Knowledge (MSME lending, project finance, risk assessment).
- Practice banking awareness and current affairs.
- Strengthen data interpretation and reasoning skills.
- Refer to previous banking SO exams for pattern.
FAQs – Bank of India Credit Officer Recruitment 2025Q1: How many vacancies are there in BOI Credit Officer Recruitment 2025?
A: Total 514 vacancies across MMGS-II, MMGS-III, and SMGS-IV scales.Q2: When can I apply online?
A: From December 20, 2025, to January 5, 2026.Q3: Is there an age relaxation?
A: Yes, as per government rules for reserved categories.Q4: What is the selection process?
A: Online exam followed by interview.Don’t miss this opportunity! Apply early and start your preparation for the Bank of India Credit Officer 2025 exam. For the latest updates, regularly check the official BOI website.
Download Official Notification
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