Bank of India (BOI) has invited applications from experienced banking professionals for its Credit Officer recruitment drive under the General Banking Officer (GBO) stream. The Bank of India Credit Officer Online Form 2026, notified under Project No. 2026-27/01, covers a total of 779 vacancies across the MMGS-II, MMGS-III, and SMGS-IV management scales.
The online application process began on 30 June 2026, and today, 20 July 2026, is the last date to submit the form and pay the applicable fee. Candidates who have not yet applied should complete their registration on the official Bank of India website without further delay, since the portal will close at the end of the day. Notably, out of the total 779 vacancies, 475 posts are unfilled positions carried forward from the bank’s previous Credit Officer recruitment cycle (Project No. 2025-26/01).
This recruitment is specifically aimed at graduates and professionals with relevant credit, lending, or banking experience, rather than fresh entry-level candidates. Selected applicants will be placed at attractive pay scales ranging from Rs. 64,820 for MMGS-II up to over Rs. 1,20,000 for SMGS-IV, along with standard bank allowances. Below is a complete overview of important dates, application fee, age limit, vacancy and eligibility details, selection process, and the step-by-step application procedure, along with official links.
Bank of India Credit Officer 2026: Short Details
BOI conducts this lateral recruitment to bring in experienced credit and banking professionals directly into officer-level management scales. Since this is an experience-based recruitment, candidates are evaluated not only on their educational qualification but also on their relevant post-qualification work experience in credit appraisal, lending, or related banking functions. Selection may be conducted through an online examination followed by an interview, or through an interview alone, depending on the volume of applications received for each scale.
Important Dates
| Event | Date |
|---|---|
| Notification Released | 01 June 2026 |
| Online Application Start Date | 30 June 2026 |
| Online Application Last Date | 20 July 2026 (Today) |
| Last Date for Fee Payment | 20 July 2026 (Today) |
| Online Exam Date (If Conducted) | To be announced separately |
| Admit Card | Before the exam |
| Result Date | To be announced on the official website |
Important: Today is the final day to apply. Candidates should complete their application and fee payment before the portal closes.
Application Fee
| Category | Fee Amount |
|---|---|
| General / OBC / EWS | Rs. 850/- |
| SC / ST / PwBD | Rs. 175/- |
Payment can be made online through debit card, credit card, net banking, IMPS, or mobile wallet.
Age Limit
| Scale | Minimum Age | Maximum Age |
|---|---|---|
| MMGS-II | 25 Years | 32 Years |
| MMGS-III | 28 Years | 38 Years |
| SMGS-IV | 32 Years | 45 Years |
Age is calculated as on 1 June 2026. Additional age relaxation is applicable for reserved categories as per Bank of India recruitment rules.
Vacancy Details (Total 779 Posts)
| Post / Scale | Number of Posts |
|---|---|
| Credit Officer (GBO Stream) – MMGS-II | 677 |
| Credit Officer (GBO Stream) – MMGS-III | 61 |
| Credit Officer (GBO Stream) – SMGS-IV | 41 |
Category-wise, the vacancies are broadly distributed as approximately 317 posts for General, 205 for OBC, 118 for SC, 80 for EWS, and 59 for ST candidates. The exact post-wise and category-wise breakup is available in Annexure-I of the official notification, and the number of vacancies is provisional and may vary as per the bank’s actual requirement.
Eligibility Criteria
- MMGS-II: Bachelor’s degree in any discipline with 60% marks (55% for SC/ST/OBC/PwBD candidates) from a recognized university, along with a minimum of 3 years of relevant work experience.
- MMGS-III: Bachelor’s degree in any discipline with 60% marks (55% for SC/ST/OBC/PwBD candidates) from a recognized university, along with a minimum of 5 years of relevant work experience.
- SMGS-IV: Bachelor’s degree in any discipline with 60% marks (55% for SC/ST/OBC/PwBD candidates) from a recognized university, along with a minimum of 3 years of relevant work experience at an appropriate seniority level.
- Candidates holding a CA, CFA, CMA-ICWA, MBA/PGDBM, or a 2-year full-time postgraduate degree in Banking, Finance, or a related field may also be considered eligible, as detailed in the official notification.
- For complete post-wise eligibility, experience, and qualification details, candidates should refer to Annexure-I of the official notification.
Salary Details
| Scale | Approximate Pay Scale |
|---|---|
| MMGS-II | Rs. 64,820 – Rs. 93,960 |
| MMGS-III | Rs. 85,920 – Rs. 1,05,280 |
| SMGS-IV | Up to approximately Rs. 1,20,940 |
Selection Process
- Online Examination (Professional Knowledge Test, bilingual in English and Hindi, with English Language as qualifying only)
- Personal Interview
Depending on the number of eligible applications received for each scale, the bank may conduct both an online examination and an interview, with a weightage of 70:30 respectively, or may proceed directly to a personal interview without a written exam.
Documents Required for Application
- Bachelor’s degree certificate and mark sheets
- Relevant professional qualification certificates (CA/CFA/CMA/MBA, where applicable)
- Work experience certificates from previous employers
- Recent photograph, live photograph, and scanned signature in the prescribed format
- Left thumb impression and handwritten declaration, as specified in the application instructions
- Valid ID proof, such as Aadhaar card
- Category certificate, where applicable
How to Apply for Bank of India Credit Officer Online Form 2026
- Visit the official Bank of India website at bankofindia.bank.in.
- Go to the “Career” section and open the notice for “Recruitment of Credit Officers in GBO Stream, Project No. 2026-27/01.”
- Click on “Apply Online” and select “New Registration.”
- Enter your name, contact details, and email ID to generate your Provisional Registration Number and Password; note these down carefully.
- Log in and fill in your personal, educational, and professional details using the “Save and Next” option.
- Upload your recent photograph, live photograph, signature, left thumb impression, handwritten declaration, and relevant certificates in the prescribed format and size.
- Preview the application form carefully and click “Complete Registration.”
- Proceed to fee payment and complete the transaction through the available online payment methods.
- Download and print the final application form and fee receipt for your records.
Important Links
| Purpose | Link |
|---|---|
| Apply Online | Click Here |
| Check Official Notification | Click Here |
| Bank of India Official Website | Click Here |
Frequently Asked Questions (FAQs)
1. What is the last date to apply for Bank of India Credit Officer Recruitment 2026?
The last date to submit the online application and pay the fee is 20 July 2026 (today).
2. How many vacancies are there under this recruitment?
A total of 779 vacancies have been announced across MMGS-II (677), MMGS-III (61), and SMGS-IV (41) scales.
3. What is the eligibility criteria for Bank of India Credit Officer 2026?
Candidates need a Bachelor’s degree with 60% marks (55% for SC/ST/OBC/PwBD) along with relevant work experience of 3 to 5 years, depending on the scale applied for.
4. What is the age limit for this recruitment?
The age limit varies by scale: 25-32 years for MMGS-II, 28-38 years for MMGS-III, and 32-45 years for SMGS-IV, as on 1 June 2026.
5. What is the application fee for Bank of India Credit Officer Recruitment 2026?
The fee is Rs. 850/- for General, OBC, and EWS candidates, and Rs. 175/- for SC, ST, and PwBD candidates.
6. What is the selection process for this recruitment?
Selection is based on an online examination and a personal interview, or a personal interview alone, depending on the number of eligible applications received.
7. What salary can selected candidates expect?
Selected candidates can expect a pay scale ranging from approximately Rs. 64,820 for MMGS-II up to around Rs. 1,20,940 for SMGS-IV, along with standard bank allowances.
8. Are these vacancies newly created or carried forward?
Out of the total 779 vacancies, 475 posts are unfilled positions carried forward from the bank’s previous Credit Officer recruitment cycle (Project No. 2025-26/01).
9. Is work experience mandatory for this recruitment?
Yes, relevant post-qualification work experience of 3 to 5 years, depending on the scale, is mandatory for this recruitment.
10. What is the official website to apply for Bank of India Credit Officer Recruitment 2026?
Candidates can apply through the official Bank of India website at bankofindia.bank.in.