The Bank of India (BOI), a leading Public Sector Bank with its Head Office in Mumbai, has released the Credit Officer Recruitment Notification 2025 for appointment in the General Banking Officer (GBO) stream. Registrations will be conducted from 20th December, 2025 to 05th January, 2026. Eligible candidates can apply online for Credit Officer posts across different management grades. Check Exam dates, eligibility and other details.
The Bank of India Credit Officer Recruitment 2025 is out on 17th December, 2025. The notification is out for 514 vacancies across MMGS-II, MMGS-III, and SMGS-IV scales. Candidates should carefully check eligibility criteria, exam structure, salary, and other details before applying. BOI Credit Officer application form is accepted from 20th Dec, 2025 to 05 Jan, 2026.
Bank of India Credit Officer Notification 2025 :-
The BOI Credit Officer recruitment notification 2025 came on 17th December, 2025. The notification is released for 514 Vacancies for which registration can be done between 20th December, 2025 to 05 January, 2026. Check other important details in the table below. 👇
| Bank of India Credit Officer Recruitment Notification 2025 | |
| Organization | Bank of India (BOI) |
| Post Name | Credit Officer |
| Stream | General Banking Officer (GBO) |
| Notification No. | Project No. 2025-26/01 |
| Notification Date | 01 November 2025 |
| Total Vacancies | 514 |
| Job Location | Anywhere in India |
| Application Mode | Online |
| Start Date of Online Application | 20 December 2025 |
| Last Date to Apply Online | 05 January 2026 |
| Cut-off Date for Age & Eligibility | 01 November 2025 |
| Tentative Exam Date | To be advised separately |
| Selection Process | Online Examination and/or Personal Interview |
| Exam Duration | 120 Minutes (Composite) |
| Total Questions | 150 |
| Total Marks | 150 |
| Exam Sections | English Language, Reasoning, Quantitative Aptitude, Professional Knowledge |
| Nationality | Indian citizens or eligible categories as per GOI norms (India/Nepal/Bhutan/Tibetan refugee/PIO with eligibility certificate) |
| Educational Qualification | As prescribed in Annexure–I of the notification |
| Experience Requirement | As specified post-wise in Annexure–I |
| Age Limit | MMGS-II: 25–35 yearsMMGS-III: 28–38 yearsSMGS-IV: 30–40 years |
| Age Relaxation | SC/ST – 5 yearsOBC (NCL) – 3 yearsPwBD – 10 yearsEx-Servicemen/ECOs/SSCOs – 5 years1984 riot-affected persons – 5 years |
| Reservation Categories | SC, ST, OBC (NCL), EWS, PwBD as per Government of India norms |
| PwBD Reservation (Out of Total) | HI – 6, VI – 4, OC – 6, ID – 4 |
| EWS Reservation | Provisional and subject to Government of India directions |
| Pay Scale | MMGS-II: ₹64,820 – ₹93,960MMGS-III: ₹85,920 – ₹1,05,280SMGS-IV: ₹1,02,300 – ₹1,20,940 |
| Percentage Calculation | Graduation marks to be entered up to two decimal places |
| Number of Applications Allowed | Only one; last valid application will be considered |
| Eligibility of Existing BOI Officers | Not eligible if previously held similar post |
| Transfer Policy | Officers are liable to be posted/transferred anywhere in India |
Important Dates :-
The Bank of India Credit Officer 2025 recruitment has released the dates for online application. Candidates must apply as per the schedule to avoid any last minute issue. The online exam date will be announced later on the official website.
| Event | Date |
| Commencement of Online Application | 20 December 2025 |
| Last Date to Apply Online | 05 January 2026 |
| Cut-off Date for Age & Qualification | 01 November 2025 |
| Tentative Online Examination Date | To be advised separately |
Vacancy :-
The BOI recruitment is being conducted for Credit Officer posts in the GBO stream across Middle Management and Senior Management grades. The number of vacancies indicated is provisional and may change depending on the Bank’s actual requirements.
| Post-wise and Category-wise Vacancy Distribution | ||||||||
| Post | Scale | Stream | SC | ST | OBC | EWS | GEN | Total |
| Credit Officer | SMGS-IV | GBO | 5 | 2 | 9 | 3 | 17 | 36 |
| Credit Officer | MMGS-III | GBO | 9 | 4 | 16 | 6 | 25 | 60 |
| Credit Officer | MMGS-II | GBO | 62 | 31 | 112 | 41 | 172 | 418 |
| Total | — | — | 76 | 37 | 137 | 50 | 214 | 514 |
| Vacancies for PwBD Categories (Out of Total) | ||||
| Category | HI | VI | OC | ID |
| Vacancies | 6 | 4 | 6 | 4 |
Age Limit :-
According to the Bank of India recruitment notice 2025, the candidates with a defined age can apply. The age is considered as on 01st November, 2025. The minimum and maximum age limits vary according to the scale of the post. Check the details in the table below :👇
| 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 for Reserved Category:-
Age relaxation is provided to candidates belonging to reserved categories as per government rules. SC, ST, OBC, PwBD, Ex-Servicemen, and other eligible candidates can avail relaxation in the upper age limit as applicable.
| Category | Age Relaxation |
| SC / ST | 5 years |
| OBC (Non-Creamy Layer) | 3 years |
| Persons with Benchmark Disabilities (PwBD) | 10 years |
| Ex-Servicemen / ECOs / SSCOs | 5 years |
| Persons affected by 1984 riots | 5 years |
Salary :-
The salary of a Bank of India Credit Officer depends on the scale of the post. Selected candidates receive basic pay along with applicable allowances and benefits as per Bank of India rules.
| Post | Scale / Grade | Pay Scale (₹) |
| Credit Officer | MMGS-II | 64820 – 2340 (1) – 67160 – 2680 (10) – 93960 |
| Credit Officer | MMGS-III | 85920 – 2680 (5) – 99320 – 2980 (2) – 105280 |
| Credit Officer | SMGS-IV | 102300 – 2980 (4) – 114220 – 3360 (2) – 120940 |
Eligibility Criteria:-
Candidates must fulfil the eligibility conditions related to age, education, and nationality as prescribed by the Bank of India. Eligibility is calculated as on 01 November 2025.
| Parameter | Details |
| Post Name | Credit Officer |
| Cut-off Date | 01 November 2025 |
| Age Limit | MMGS-II: 25–35 yearsMMGS-III: 28–38 yearsSMGS-IV: 30–40 years |
| Age Relaxation | Applicable for SC, ST, OBC (NCL), PwBD, Ex-Servicemen as per rules |
| Educational Qualification | As prescribed in the official notification (Annexure–I) |
| Nationality | Indian citizens or other eligible categories as per Government of India norms |
| Number of Applications | Only one application per candidate |
How to Apply Online (General Tips) :-
- Check for Active Recruitment: Go to the Bank of India Recruitment Notice section or ibpsreg.ibps.in/boioct25/ (for BOI) to find the latest notice for Credit Officers (GBO).
- Read the Notice:Â Carefully read the official notification for eligibility criteria, important dates, and application instructions.
- Registration:Â Click the “Apply Online” link (usually active during the application window) and register with your email and mobile number.
- Fill Application Form:Â Complete the online form with personal, educational, and professional details, ensuring accuracy.
- Upload Documents:Â Upload scanned copies of your photograph, signature, thumb impression, and handwritten declaration as specified.
- Pay Fees: Pay the application fee online through the provided options.
- Submit & Print: Submit the form and download/print the final application for your records.
Key Steps in the Selection Process :-
- Application:Â Candidates apply online for specific scales and streams as per the official notification.
- Online Examination (If Applicable):Â An online test is conducted for shortlisted candidates, assessing relevant skills for the GBO stream.
- Interview:Â Candidates who clear the exam (or are directly shortlisted, if no exam is held) proceed to a personal interview, typically with a maximum of 100 marks.
- Merit List:Â A final merit list is prepared based on interview marks (or combined scores if an exam was held), in descending order, considering categories (SC/ST/OBC/EWS/GEN).
- Document Verification:Â Final selection involves verifying documents.Â
Depending on the number of applications received and eligible candidates shortlisted by the Bank.
Bank of India Credit Officer Exam Pattern :-
Bank of India Credit Officer exam is conducted online and includes sections on English, Reasoning, Quantitative Aptitude, and Professional Knowledge. The test consists of 150 questions for 150 marks and lasts 120 minutes.
| Test Name | No. of Questions | Maximum Marks | Duration |
| English Language | 25 | 25 | – |
| Reasoning | 25 | 25 | – |
| Quantitative Aptitude | 25 | 25 | – |
| Professional Knowledge (relevant to post) | 75 | 75 | – |
| Total | 150 | 150 | 120 Minutes (Composite) |
Bank of India Credit Officer Preparation Tips :-
Preparing for the BOI Credit Officer exam requires a clear understanding of the syllabus and focused practice. A planned study approach helps candidates improve accuracy and confidence before the examination.
- Understand the exam pattern and syllabus
- Focus more on the section related to credit and banking
- Revise Quantitative Aptitude and Reasoning regularly
- Improve English skills
- Solve previous years’ questions and take mock tests
- Manage time effectively
| Apply Online | Click Here |
| Notification PDF | Click Here |
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