Bank of India (BOI) has released the Credit Officer Recruitment 2026 notification (Project No. 2026-27/01) for 779 Credit Officer (GBO Stream) vacancies across MMGS-II, MMGS-III, and SMGS-IV grades. Graduates and professionals with relevant banking or credit experience can apply online from 30 June 2026 to 20 July 2026.
Apply online: 30 June 2026 to 20 July 2026 · Fee: ₹175 (SC/ST/PWD) / ₹850 (General & Others) · Selection: Online exam + interview (70:30)
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BOI Credit Officer 2026 — Quick Overview
| Detail | Information |
|---|---|
| Organization | Bank of India |
| Post Name | Credit Officer (GBO Stream) |
| Project No. | 2026-27/01 |
| Total Vacancies | 779 |
| Notice Date | 01 June 2026 |
| Application Mode | Online only |
| Official Website | Click here to visit official website |
Official Notification & Apply Links
| Document | Official Link |
|---|---|
| Download Notification PDF | BOI Credit Officer Notification 2026 (PDF) |
| Apply Online | Click here to apply online |
| BOI Careers Page | Click here to open careers page |
| Official Website | Click here to visit official website |
Always download and read the official notification PDF and Annexure-I before applying.
Important Dates
| Event | Date |
|---|---|
| Notice released | 01 June 2026 |
| Online application opens | 30 June 2026 |
| Last date to apply | 20 July 2026 |
| Relevant date (age & qualification) | 01 June 2026 |
| Online examination | Will be advised separately |
Vacancy Breakdown — 779 Posts
Out of 779 total vacancies, 475 are unfilled vacancies carried forward from the previous recruitment (Project 2025-26/01).
| Post / Scale | SC | ST | OBC | EWS | GEN | Total |
|---|---|---|---|---|---|---|
| MMGS-II | 10 | 25 | 218 | 69 | 355 | 677 |
| MMGS-III | 10 | 5 | 16 | 8 | 22 | 61 |
| SMGS-IV | 6 | 2 | 9 | 3 | 21 | 41 |
| Total | 26 | 32 | 243 | 80 | 398 | 779 |
Eligibility Criteria
Age Limit (as on 01 June 2026)
| Post | Minimum Age | Maximum Age |
|---|---|---|
| MMGS-II | 25 years | 32 years |
| MMGS-III | 28 years | 38 years |
| SMGS-IV | 32 years | 45 years |
Age relaxation: 5 years for SC/ST · 3 years for OBC (Non-creamy layer) · 10 years for Persons with Benchmark Disabilities · 5 years for Ex-Servicemen and persons affected by the 1984 riots.
Qualification & Experience
A Degree (Graduation) in any discipline from a recognized university with 60% marks (or equivalent grade) — 55% for SC/ST/OBC/PWBD — or professional qualifications such as CA / CMA-ICWA / CS / CFA.
| Post | Minimum Experience |
|---|---|
| MMGS-II | 3 years post-qualification as an officer, including 2 years in MSME / Commercial Credit / Project Finance |
| MMGS-III | 5 years post-qualification as an officer, including 3 years in MSME / Commercial Credit / Project Finance |
| SMGS-IV | 7 years post-qualification as an officer, including 4 years in MSME / Commercial Credit / Project Finance |
Application Fee
| Category | Fee |
|---|---|
| SC / ST / PWD | ₹175 (intimation charges only) |
| General & Others | ₹850 (application fee + intimation charges) |
Payment via Debit/Credit card, Internet Banking, UPI, or mobile wallets. Bank transaction charges, if any, are borne by the candidate.
Salary — Pay Scale
| Grade | Pay Scale (₹) |
|---|---|
| MMGS-II | 64,820 – 2340(1) – 67,160 – 2680(10) – 93,960 |
| MMGS-III | 85,920 – 2680(5) – 99,320 – 2980(2) – 1,05,280 |
| SMGS-IV | 1,02,300 – 2980(4) – 1,14,220 – 3360(2) – 1,20,940 |
Selected candidates also receive applicable allowances as per Bank of India rules.
Selection Process
- Scrutiny of eligibility — shortlisting based on uploaded documents
- Online examination — 125 marks total; English Language (25 marks, qualifying) + Professional Knowledge (100 marks); composite duration 120 minutes
- Personal interview — 100 marks for shortlisted candidates
- Final merit list — combined score (70% exam + 30% interview if both stages are held)
Qualifying marks: 35% for General/EWS (5% relaxation for SC/ST/OBC/PWD). Negative marking: ¼ mark deducted per wrong answer in the objective test.
How to Apply Online
- Visit Click here to visit official website → Career section
- Open Recruitment of Credit Officers in GBO Stream — Project No. 2026-27/01
- Click Apply Online and complete New Registration (name, contact, email)
- Note your Provisional Registration Number and password
- Fill personal, educational, and experience details
- Upload photograph, signature, left thumb impression, and handwritten declaration per specifications
- Preview and click Complete Registration
- Pay the application fee online
- Print the system-generated application form and e-receipt
Direct apply link: Click here to apply online
Document Requirements (Interview Stage)
Selected candidates must produce originals and self-attested copies of:
- Proof of date of birth
- Educational mark sheets and certificates
- Category certificate (if applicable)
- Experience certificates
- NOC from current employer (Government/PSU candidates)
Security Deposit
| Grade | Deposit (refundable after 3 years of satisfactory service) |
|---|---|
| MMGS-II | ₹2,00,000 |
| MMGS-III / SMGS-IV | ₹3,00,000 |
Common Mistakes to Avoid
- Uploading photograph or signature outside prescribed dimensions or file size
- Writing the handwritten declaration in capital letters or a language other than English
- Selecting the wrong post or category without checking Annexure-I
- Submitting multiple applications (forfeits fees from earlier registrations)
- Keeping registered email or mobile number inactive during the process
Frequently Asked Questions
Has Bank of India officially released the Credit Officer Recruitment 2026 notification?
Yes. The notification was released on 01 June 2026 under Project No. 2026-27/01 for 779 Credit Officer (GBO Stream) posts.
What is the last date to apply?
20 July 2026. Online applications open 30 June 2026.
How many vacancies are available?
779 total — MMGS-II (677), MMGS-III (61), SMGS-IV (41).
What is the application fee?
₹175 for SC/ST/PWD and ₹850 for General and other categories.
What is the age limit?
25–32 (MMGS-II), 28–38 (MMGS-III), 32–45 (SMGS-IV) years as on 01 June 2026.
What is the selection process?
Online examination and/or personal interview. If both are held, weightage is 70:30 (exam : interview).
What is the salary?
Pay scales from ₹64,820 (MMGS-II) to ₹1,20,940 (SMGS-IV), plus allowances.
What qualification is required?
Graduation with 60% marks (55% for reserved categories) or CA/CMA-ICWA/CS/CFA, plus grade-wise credit/banking experience.
How do I apply?
Online at Click here to apply online or via the Career section on Click here to visit official website between 30 June and 20 July 2026.
What security deposit is required?
₹2,00,000 (MMGS-II) or ₹3,00,000 (MMGS-III/SMGS-IV), refundable after 3 years of satisfactory service.
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Based on Bank of India Credit Officer Recruitment 2026 notification (01 June 2026). Verify all details in the official PDF before applying.