Bank of India Credit Officer Recruitment 2025-26 Notification Out for 514 Posts

Bank of India has officially released the Credit Officer Recruitment 2025-26 notification, announcing a total of 514 vacancies under the GBO (General Banking Officer) stream. This recruitment drive targets experienced professionals for SMGS IV, MMGS III, and MMGS II scales, offering a strong career path in credit operations and risk management. The online application process begins on 20 December 2025 and will remain open until 05 January 2026, giving eligible candidates a limited window to apply.

Bank of India Credit Officer Recruitment 2025-26 Notification Out

The Bank of India Credit Officer Recruitment 2025–26 notification provides a detailed roadmap of the hiring process for mid and senior management roles in the credit domain. It outlines important information such as vacancy distribution across scales, eligibility conditions, selection stages, and the online examination structure. Candidates are advised to carefully review all instructions mentioned in the notification before applying to ensure compliance with age, qualification, and application requirements.

Bank of India Credit Officer Recruitment 2025-26: Notification PDF

Bank of India Credit Officer 2025: Overview

With structured pay scales, growth opportunities, and a defined selection process, the Bank of India Credit Officer Recruitment 2025-26 presents a significant chance for banking professionals seeking mid-to-senior management roles.

Bank of India Credit Officer Vacancy 2025–26

The recruitment covers three different scales under the GBO stream with category-wise reservations.

Bank of India Credit Officer Eligibility Criteria

Candidates must meet the prescribed age limits for the respective scale as on 01 November 2025, with the minimum and maximum age varying for MMGS II, MMGS III, and SMGS IV posts. Applicants should possess the required educational qualifications and relevant work experience as specified in the official notification for Credit Officer posts under the GBO stream. Only those fulfilling both age and qualification criteria on the cut-off date will be considered eligible for the selection process.

Educational Qualification

The educational qualifications, preferred certifications, and work experience requirements for Credit Officer positions across three different pay scales (MMGS-II, MMGS-III, and SMG-IV) in the GBO (General Banking Operations) stream are mentioned in the table below.

Age Limit (As on 01.11.2025)

Candidates must fall within the prescribed age limits for the respective scales.

• SMGS-IV: Minimum 30 years | Maximum 40 years
• MMGS-III: Minimum 28 years | Maximum 38 years
• MMGS-II: Minimum 25 years | Maximum 35 years

Age relaxation will be applicable as per the Government of India norms for reserved categories.

Bank of India Credit Officer Selection Procedure

The selection process is designed to assess both professional knowledge and suitability for managerial roles.

• Selection will be conducted through an online test and/or a personal interview.
• The final mode of selection will depend on the number of eligible applicants.
• Bank of India reserves the right to shortlist candidates at any stage of the process.
• Final merit will be prepared based on performance in the applicable selection stages.

Bank of India Credit Officer Online Exam Pattern

The online examination evaluates aptitude as well as domain expertise relevant to credit roles.

Bank of India Credit Officer Application Fees 2026

Candidates must pay the application fee online within the given dates.

• SC / ST / PWD: ₹175 (Intimation Charges only)
• General / OBC / EWS & Others: ₹850 (Application Fee + Intimation Charges)

Fees once paid are non-refundable under any circumstances.

Bank of India Credit Officers’ Salary

Selected candidates will receive an attractive salary along with allowances and perquisites. In addition to basic pay, officers are entitled to DA, HRA, CCA, medical benefits, pension, and other admissible perks as per Bank of India rules.

• 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