Bank of India Credit Officer Vacancy 2025- The Bank of India, a major public sector bank with its head office in Mumbai has announced recruitment for 514 Credit Officer posts in the General Banking Operations (GBO) stream under Project No. 2025-26/01. These are permanent officer-level jobs that offer good career growth in banking.
It is a strong opportunity for graduates with finance knowledge and some experience to work in credit appraisal roles. The recruitment includes details about eligibility, exam schedule, selection process, salary and how to apply online.
Bank of India Credit Officer Vacancy 2025: Overview
| Particulars | Details |
|---|---|
| Organization | Bank of India |
| Advertisement No. | Project No. 2025-26/01 |
| Post Name | Credit Officer (GBO Stream) |
| Total Vacancies | 514 |
| Job Location | Anywhere in India |
| Application Mode | Online |
| Official Website | www.bankofindia.co.in |
Bank of India Credit Officer Vacancy Details
The Bank of India Credit Officer Recruitment 2025 has been released for a total of 514 posts across three scales. The vacancies are distributed category-wise:
| Scale | SC | ST | OBC | EWS | GEN | Total |
|---|---|---|---|---|---|---|
| SMGS-IV | 5 | 2 | 9 | 3 | 17 | 36 |
| MMGS-III | 9 | 4 | 16 | 6 | 25 | 60 |
| MMGS-II | 62 | 31 | 112 | 41 | 172 | 418 |
| Total | 76 | 37 | 137 | 50 | 214 | 514 |
Eligibility Criteria
Educational Qualification (Common for All Scales)
- Graduation in any discipline with minimum 60% marks (55% for SC/ST/OBC/PwBD) from a recognized University/Institute.
- Preferred: CA/CFA/CMA-ICWA OR MBA/PGDBM OR 2-year full-time Master’s degree in Banking/Finance/Credit-related field.
Specific for SMGS-IV: Graduation (60%/55%) AND (MBA/PGDBM OR 2-year Master’s OR CA/CFA/CMA-ICWA). Preferred: IIBF Certificate in International Trade Finance/Credit Professional/MSME.
Age Limit (as on 01.11.2025)
| Scale | Minimum Age | Maximum Age |
|---|---|---|
| SMGS-IV | 30 years | 40 years |
| MMGS-III | 28 years | 38 years |
| MMGS-II | 25 years | 35 years |
Experience
| Scale | Required Experience |
|---|---|
| SMGS-IV | Minimum 8 years post-qualification as Officer + 5 years in MSME/Commercial/Project/Mid & Large Credit in Scheduled PSBs/Private Banks/Listed FIs. |
| MMGS-III | Minimum 5 years post-qualification as Officer + 3 years in MSME/Commercial/Project/Mid & Large Credit in Scheduled PSBs/Private Banks/Listed FIs. |
| MMGS-II | Minimum 3 years post-qualification as Officer + 2 years in MSME/Commercial/Project/Mid & Large Credit in Scheduled PSBs/Private Banks/Listed FIs. |
Salary and Benefits
Pay Scale:
- MMGS-II: ₹64,820 – 2,340 (1) – 67,160 – 2,680 (10) – 93,960
- MMGS-III: ₹85,920 – 2,680 (5) – 99,320 – 2,980 (2) – 1,05,280
- SMGS-IV: ₹1,02,300 – 2,980 (4) – 1,14,220 – 3,360 (2) – 1,20,940
Additional Benefits:
- Dearness Allowance (DA)
- House Rent Allowance (HRA)
- Transport Allowance,
- Medical facilities for self and family
- Provident Fund
- Pension
- Leave Travel Concession
- other perquisites
Estimated Gross Salary: ₹80,000 – ₹1,20,000 per month (including allowances).
Selection Process
The selection process consists of these stages:
- Online Examination (Objective type).
- Personal Interview (for shortlisted candidates).
- Document Verification.
Credit Officer Online Exam Pattern
| Subject | Questions | Marks | Time (Total: 120 minutes) |
|---|---|---|---|
| English Language | 25 | 25 | Bilingual (Qualifying) |
| Reasoning Ability | 25 | 25 | Bilingual |
| Quantitative Aptitude | 25 | 25 | Bilingual |
| Professional Knowledge | 75 | 75 | Bilingual |
| Total | 150 | 150 | 120 min |
- Negative Marking: 1/4 mark deducted for wrong answers.
- Qualifying Marks: 35% for General/EWS, 30% for SC/ST/OBC/PwBD (English is qualifying only).
Documents Required
Keep these ready in scanned format:
- Recent passport-size photograph (20-50 KB, JPEG).
- Signature (10-40 KB, JPEG).
- 10th certificate (date of birth proof).
- Graduation degree/mark sheets.
- PG/Professional qualification certificates (CA/MBA etc.).
- Experience certificates.
- Category certificate (SC/ST/OBC-NCL/EWS/PwBD) if applicable.
- Valid ID proof (Aadhaar/PAN).
Application Fees
| Category | Application Fees |
|---|---|
| General/OBC/EWS | ₹850 (₹600 application + ₹250 intimation) |
| SC/ST/PwBD | ₹175 (intimation only) |
- Payment Method: Credit/Debit Card, Net Banking, UPI.
How to Apply Online for Bank of India Credit Officer Vacancy 2025
Step 1: Visit the official website: www.bankofindia.co.in/careers
Step 2: Click on “Recruitment of Credit Officers in GBO Stream 2025-26”.
Step 3: For new users, click “New Registration”.
Step 4: Fill basic details (Name, Father’s Name, Date of Birth, Email, Mobile).
Step 5: System generates Registration Number and Password (save them).
Step 6: Login and complete the form: Personal info, educational qualifications, experience, category, post/scale preference.
Step 7: Upload photo, signature and documents.
Step 8: Pay application fee online.
Step 9: Submit and save confirmation page.
Step 10: Note application number for reference.
| Resource | Details |
|---|---|
| Bank of India Credit Officer Vacancy 2025 Apply Now | Apply Now |
| Bank of India Credit Officer Vacancy 2025 Official Notification | Download PDF Notification |
| Bank of India Official Website | Click here |
Important Dates
| Event | Date |
|---|---|
| Notification Release | 01 November 2025 |
| Online Application Opens | 20 December 2025 |
| Application Closes | 05 January 2026 |
| Online Exam Date | To be notified |
| Admit Card Release | To be notified |
Final Thoughts
The Bank of India Credit Officer Recruitment 2025 offers 514 officer posts across scales. It is a strong opportunity for finance graduates with banking experience to join a leading public sector bank. The starting pay is ₹64,820 per month, with good career growth.
Applications run from December 20, 2025 to January 5, 2026 candidates must check eligibility especially credit-related experience. Selection involves an exam and interview, so prepare in professional knowledge, reasoning and quantitative aptitude. Apply online at bankofindia.co.in to begin your banking career.
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