Bank of India Credit Officer Recruitment 2025: Overview
The Bank of India (BOI), a leading Public Sector Bank, has released an official notification for the recruitment of 514 Credit Officers in the General Banking Officer (GBO) stream. This is a massive career upgrade for experienced banking professionals looking to join a nationalized bank in Middle and Senior Management grades (MMGS-II, MMGS-III, and SMGS-IV). The application window is open from 20 December 2025 to 05 January 2026. Selected candidates will not only receive a lucrative salary package ranging from ₹64,820 to ₹1,20,940 but also enjoy job security and excellent perks. If you have the required experience and passion for credit management, don’t miss this chance to apply online.
Key Highlights: Bank of India Credit Officer Notification 2025
- Recruitment Board: Bank of India (BOI)
- Post Name: Credit Officer (GBO Stream)
- Total Vacancies: 514
- Job Location: All India
- Salary (Pay Scale): ₹64,820 – ₹1,20,940 (varies by scale)
- Application Mode: Online
- Application Dates: 20 December 2025 to 05 January 2026
- Official Website: bankofindia.bank.in
About Bank of India: Bank of India is one of the premier public sector banks in India, established in 1906. With its headquarters in Mumbai, it has a vast network of branches across India and a significant international presence. This recruitment drive is specifically aimed at strengthening their credit department by hiring experienced officers who can handle MSME, Commercial, and Corporate credit portfolios efficiently.
Bank of India Credit Officer Vacancy Breakdown 2025
The bank has announced a total of 514 vacancies distributed across three different scales. Candidates can apply for only one post.
| Post Name | Scale | Total Vacancies |
|---|---|---|
| Credit Officer | SMGS-IV | 36 |
| Credit Officer | MMGS-III | 60 |
| Credit Officer | MMGS-II | 418 |
| Total | 514 |
Eligibility Criteria for BOI Credit Officer 2025
Candidates must strictly fulfill the eligibility criteria as on 01.11.2025.
Educational Qualification
- For All Scales (MMGS-II, MMGS-III, SMGS-IV):
- A Degree (Graduation) in any discipline from a recognized University with minimum 60% marks (55% for SC/ST/OBC/PWD).
Experience Requirements
- Credit Officer (MMGS-II): Minimum 3 Years of experience as an Officer in a Bank/Financial Institution, out of which 2 Years must be in processing MSME/Commercial/Corporate Credit.
- Credit Officer (MMGS-III): Minimum 5 Years of experience as an Officer, out of which 3 Years must be in processing MSME/Commercial/Corporate Credit.
- Credit Officer (SMGS-IV): Minimum 8 Years of experience as an Officer, out of which 5 Years must be in processing MSME/Commercial/Corporate Credit.
Age Limit (As on 01.11.2025)
- MMGS-II: 25 to 35 Years
- MMGS-III: 28 to 38 Years
- SMGS-IV: 30 to 40 Years
- Relaxation: 5 years for SC/ST, 3 years for OBC, and 10 years for PwBD candidates.
Salary Structure and Benefits
The selected candidates will receive a highly competitive salary package as per the industry standards for Public Sector Banks.
- MMGS-II Scale: ₹64,820 – ₹93,960
- MMGS-III Scale: ₹85,920 – ₹1,05,280
- SMGS-IV Scale: ₹1,02,300 – ₹1,20,940
Perks & Allowances: Apart from the Basic Pay mentioned above, officers are eligible for various allowances such as Dearness Allowance (DA), House Rent Allowance (HRA) or Leased Accommodation, City Compensatory Allowance (CCA), and Medical Aid. The package also includes retirement benefits like the New Pension Scheme (NPS), Gratuity, and Leave Encashment. This makes the total “Cost to Company” (CTC) significantly higher than the basic pay, providing financial stability and growth.
Selection Process Explained
The selection procedure for the BOI Credit Officer Recruitment 2025 involves two main stages.
Stage 1: Online Examination
If the number of applicants is high, the bank will conduct an online test.
- English Language: 25 Questions (Qualifying Nature)
- Reasoning: 25 Questions
- Quantitative Aptitude: 25 Questions
- Professional Knowledge: 75 Questions (High Weightage)
- Note: There is a penalty of 0.25 marks for every wrong answer. The exam duration is 120 minutes.
Stage 2: Personal Interview
Candidates who qualify in the online exam (or if the exam is waived due to fewer applications) will be called for a Personal Interview. The interview will assess the candidate’s professional knowledge, communication skills, and suitability for the banking sector. The final merit list is prepared based on the marks obtained in the Online Exam and Interview (Weightage 70:30) or Interview alone (if no exam is held).
How to Apply Online: Step-by-Step Guide
Follow these simple steps to submit your application successfully:
- Visit the Official Website of Bank of India (Link given below).
- Navigate to the ‘Career’ section and click on “Recruitment of Credit Officers in GBO Stream”.
- Click on “Apply Online” and choose “Click here for New Registration”.
- Enter your Name, Email ID, and Mobile Number to generate a Provisional Registration Number and Password.
- Log in and fill in your personal, educational, and experience details carefully.
- Upload scanned copies of your Photograph, Signature, Left Thumb Impression, and Handwritten Declaration.
- Pay the application fee online using Debit Card, Credit Card, or Net Banking.
- Click on ‘Submit’ and take a printout of the final application form for future reference.
Important Dates
| Event | Date |
|---|---|
| Notification Release Date | 17 December 2025 |
| Online Application Starts | 20 December 2025 |
| Last Date to Apply | 05 January 2026 |
| Cut-off Date for Eligibility | 01 November 2025 |
| Exam Date | To be notified later |
Application Fees
| Category | Fee (Inclusive of GST) |
|---|---|
| General / OBC / EWS | ₹850/- |
| SC / ST / PwBD | ₹175/- (Intimation Charges Only) |
| Payment Mode | Online Only |
Essential Links
| Useful Links | Link |
|---|---|
| Official Notification PDF | Download Notification |
| Apply Online | Click Here to Apply |
| Official Website | Visit Bank of India |
| WhatsApp Channel | Join Here |
| Telegram Channel | Join Here |
| Follow us on Arattai | Indian App Arattai |
Conclusion: The Bank of India Credit Officer Recruitment 2025 is a golden chance for experienced bankers to elevate their careers with a prestigious Public Sector Bank. With 514 vacancies and a rewarding salary structure, eligible candidates should not wait for the last date. Ensure you read the official notification carefully and apply before 5th January 2026. Prepare well for the selection process and secure your future in the banking sector!