Overview
Bank of India is recruiting talented professionals to work as Credit Officers in its General Banking Operations stream. These positions offer competitive salaries, comprehensive benefits, and the chance to build a long-term banking career with India’s leading financial institution.
🏢 Organization Details
| Detail | Information |
|---|---|
| Organization | Bank of India (BOI) |
| Official Website | www.bankofindia.bank.in |
| Application Portal | www.bankofindia.bank.in (Career section) |
| Job Type | Permanent Officer Position |
Total Vacancies
514 Posts distributed across three management scales:
| Scale | Posts |
|---|---|
| MMGS-II | 418 |
| MMGS-III | 60 |
| SMGS-IV | 36 |
Post Type & Job Details
| Aspect | Details |
|---|---|
| Job Type | Permanent Officer/Regular Position |
| Application Mode | Online Only |
| Pay Structure | ₹64,820 – ₹1,20,940 (Scale-wise) |
| Qualification | Any Graduate with 60% marks |
📅 Important Dates
| Event | Date |
|---|---|
| Start of Online Application | 20-12-2025 |
| Last Date to Apply Online | 05-01-2026 |
| Eligibility Reckoning Date | 01-11-2025 |
| Tentative Online Exam Date | To be announced |
📍 Vacancy Details
Scale-wise Vacancy Breakdown:
| Post Name | Scale | No. of Posts | Age Limit |
|---|---|---|---|
| Credit Officer | MMGS-II | 418 | 25-35 years |
| Credit Officer | MMGS-III | 60 | 28-38 years |
| Credit Officer | SMGS-IV | 36 | 30-40 years |
| Total | — | 514 | — |
Note: Number of vacancies is provisional and subject to Bank’s actual requirements.
🎓 Educational Qualifications
Essential Qualifications:
- Bachelor’s degree from recognized university
- Minimum 60% marks required (Reserved categories: 55% minimum)
- CGPA/OGPA should be converted to percentage
- Any fraction below 0.5% will be dropped (59.99% = 59%)
Scale-wise Additional Requirements:
- Specific post-qualification experience varies by scale (refer official notification Annexure-I)
- MMGS-II: Relevant banking experience in credit operations
- MMGS-III: More experience than MMGS-II scale
- SMGS-IV: Highest experience requirement among the three scales
Desirable Qualifications:
- Experience in credit assessment and credit operations
- Knowledge of banking operations and regulations
- Experience in the banking sector
💰 Salary / Salary Details (Per Month)
MMGS-II Scale:
- Basic Pay: ₹64,820
- Grade Increase: ₹2,340 (1) – ₹67,160 – ₹2,680 (10) – ₹93,960
- Range: ₹64,820 – ₹93,960
MMGS-III Scale:
- Basic Pay: ₹85,920
- Grade Increase: ₹2,680 (5) – ₹99,320 – ₹2,980 (2) – ₹105,280
- Range: ₹85,920 – ₹1,05,280
SMGS-IV Scale:
- Basic Pay: ₹1,02,300
- Grade Increase: ₹2,980 (4) – ₹1,14,220 – ₹3,360 (2) – ₹1,20,940
- Range: ₹1,02,300 – ₹1,20,940
Additional Benefits:
- Dearness Allowance (DA)
- House Rent Allowance (HRA)
- City Compensatory Allowance (CCA) as applicable
- Medical facilities for self and dependents
- Gratuity and pension benefits
- Various types of leaves and encashment of earned leaves
- Other allowances as per Bank service rules
⏳ Age Limit (as on 01-11-2025)
Maximum Age by Scale:
| Scale | Minimum Age | Maximum Age |
|---|---|---|
| MMGS-II | 25 years | 35 years |
| MMGS-III | 28 years | 38 years |
| SMGS-IV | 30 years | 40 years |
Age Relaxation (Relaxation Available):
- SC/ST Candidates: 5 years
- OBC Candidates (Non-creamy layer): 3 years
- Persons with Benchmark Disabilities (PwD): 10 years
- Ex-Servicemen: 5 years (subject to conditions)
- 1984 Riots Affected Persons: 5 years
- Age relaxation applies cumulatively with only one other eligible category
💰 Application Fee
| Category | Fee Amount |
|---|---|
| SC/ST/PWD Candidates | ₹175/- (Intimation charges) |
| General & Other Categories | ₹850/- (Application fee + Intimation charges) |
Payment Details:
- Fee inclusive of GST
- Online payment modes: Credit/Debit cards, Internet Banking, Cash Cards, Mobile Wallets, QR, UPI
- Bank transaction charges borne by candidate
- Fee payment period: 20-12-2025 to 05-01-2026
- Once paid, fee is non-refundable and non-transferable
🎯 Selection Process
The recruitment involves a two-tier selection process:
Stage 1: Online Examination (120 minutes, 150 marks)
- English Language: 25 questions, 25 marks (Qualifying only)
- Reasoning: 25 questions, 25 marks
- Quantitative Aptitude: 25 questions, 25 marks
- Professional Knowledge: 75 questions, 75 marks
Minimum Qualifying Marks (Online Test):
- General/EWS: 35%
- SC/ST/OBC/PwD: 30%
Negative Marking:
- 1/4th marks deducted for each wrong answer
Stage 2: Personal Interview (100 marks)
- Candidates called at 1:3 ratio to vacancies
- Minimum qualifying marks: 50% (General/EWS), 45% (SC/ST/OBC/PwD)
- Assessment of communication skills and domain expertise
Final Selection:
- If both exam and interview conducted: Weightage = Online Exam 70% + Interview 30%
- If interview only (if exam not conducted): 100% on interview marks
- Merit list prepared in descending order of combined marks
- Tie-breaker: Online exam marks, then Date of Birth (senior preferred)
Important Notes:
- Only online test and interview marks considered
- No marks for interview attendance
- Bank’s decision is final in all matters
📑 How to Apply
Step-by-Step Application Process:
- Visit Bank Website: Go to www.bankofindia.bank.in
- Navigate to Careers: Click on “CAREER” section, then find “Recruitment of Credit Officers in GBO Stream Project No. 2025-26/01”
- Click Apply Online: Select the “APPLY ONLINE” button
- Register New Account: Click “Click here for New Registration”
- Provide Basic Details: Enter Name, Contact Number, and Email ID
- Note Registration Details: Bank will generate Provisional Registration Number and Password
- Complete Application Form: Fill all required information accurately
- Upload Documents (in JPG format only):
- Photograph: 4.5cm × 3.5cm, 200×230 pixels, 20-50 KB
- Signature: 140×60 pixels, 10-20 KB
- Left Thumb Impression: 240×240 pixels, 20-50 KB
- Handwritten Declaration (English): 800×400 pixels, 50-100 KB
- Attach Certificates: Upload educational and experience certificates
- Preview Application: Review complete form before submission
- Submit Application: Click “COMPLETE REGISTRATION” after verification
- Pay Application Fee: Proceed with online payment
- Save Documents: Take printout of e-receipt and application form
Important Tips:
- Apply well before deadline to avoid technical issues
- Only online applications accepted
- Double-check all details before submission
- Keep login credentials safe for future reference
- One application per candidate only
⚙️ Key Documents Required
Educational Documents:
- Bachelor’s degree certificate and mark-sheet
- 10th and 12th mark-sheets
- CGPA/OGPA score if applicable (converted to percentage)
- Score card or mark-sheet for percentage conversion
Professional Documents:
- Experience certificates from all previous employers
- Appointment letters and relieving letters (if applicable)
- Salary slips or bank statements showing employment
- Job responsibility letters
- No Objection Certificate (NOC) if currently employed in government/public sector
Personal Documents:
- Valid identity proof (Aadhaar, PAN, Passport, Voter ID)
- Age proof (10th certificate or birth certificate)
- Caste certificate (for SC/ST/OBC candidates) from competent authority
- PwD certificate (for Persons with Disability) with UDID
- 1984 Riot affected certificate (if applicable)
Document Guidelines:
- All documents should be self-attested
- Keep clear and legible copies
- Upload during online application as per specifications
- Original documents required at interview stage
- Documents must be issued from recognized/authorized bodies
📘 Important Links
| Resource | Link |
|---|---|
| Apply Online | www.bankofindia.bank.in |
| Official Notification | Available on Bank’s career page |
| Official Website | www.bankofindia.bank.in |
Important General Information
- Candidates must be ready to work anywhere in India; Bank reserves right to post/transfer
- Only one application per candidate allowed; multiple applications result in latest application retained
- Valid email and mobile number must be maintained throughout recruitment
- Previous Credit Officer employees not eligible
- No changes to category or personal details after registration
- Government/Public sector employees must submit NOC at interview
- Call letters available for download only; no physical copies sent
- Medical fitness test required for appointment
- Security deposit required and refundable after 3 years satisfactory service
- Selection subject to verification and Bank’s final discretion
- All legal disputes under jurisdiction of Mumbai courts
Frequently Asked Questions
Q: What is the starting date for online application?
A: December 20, 2025.
Q: What is the last date to apply online?
A: January 5, 2026.
Q: How many vacancies are available?
A: 514 posts across three scales (MMGS-II: 418, MMGS-III: 60, SMGS-IV: 36).
Q: What is the minimum educational qualification?
A: Bachelor’s degree with 60% marks (55% for reserved categories).
Q: What is the age limit?
A: 25-35 years for MMGS-II, 28-38 years for MMGS-III, 30-40 years for SMGS-IV as on 01-11-2025.
Q: What is the application fee?
A: ₹850 for General/Other categories and ₹175 for SC/ST/PWD candidates.
Q: Will there be a written examination?
A: Yes, an online examination of 120 minutes for 150 marks followed by personal interview.
Q: What is the salary range?
A: ₹64,820 – ₹93,960 (MMGS-II), ₹85,920 – ₹1,05,280 (MMGS-III), ₹1,02,300 – ₹1,20,940 (SMGS-IV).
Q: Can SC/ST/OBC candidates apply?
A: Yes, with age relaxation and reduced qualification marks as per policy.
Q: Is medical examination required?
A: Yes, medical fitness test is mandatory for appointment.
Q: Where will I work after selection?
A: Bank can post/transfer officers anywhere in India as per requirement.
Don’t miss this excellent opportunity to join India’s leading bank! Apply now and advance your banking career!
