Bank of India Recruitment 2025 – Apply Online for 514 Posts
Post Name : Credit Officer
No of Posts : 514
Eligibility Criteria :
Educational Qualifications :
Graduate degree from a recognized University with minimum 60% marks
Candidates belonging to reserved category (SC/ST/OBC/PWD) are entitled for relaxation of 5% marks (minimum 55% required)
Where CGPA/OGPA is awarded, it should be converted into percentage
The fraction of percentage will be ignored (59.99% treated as less than 60%)
Essential Qualifications (Scale-wise details as per Annexure-I):
Specific qualifications and experience requirements vary by scale (MMGS-II, MMGS-III, SMGS-IV)
Candidates must refer to Annexure-I of the official notification for detailed scale-wise eligibility
Relevant banking experience in credit operations required
Desirable:
Experience in credit assessment and credit operations in banking sector
Knowledge of banking operations and regulations
Experience :
Candidates must possess requisite experience as mentioned in Annexure-I for respective scales
Experience certificates must be submitted at the time of interview
Salary/Stipend :
MMGS-II Scale: Rs. 64,820 – 2,340 (1) – 67,160 – 2,680 (10) – 93,960 per month
MMGS-III Scale: Rs. 85,920 – 2,680 (5) – 99,320 – 2,980 (2) – 105,280 per month
SMGS-IV Scale: Rs. 102,300 – 2,980 (4) – 114,220 – 3,360 (2) – 120,940 per month
Other allowances and perquisites as applicable to Bank officers
All benefits as per Bank’s service rules and regulations
Age Limit (as on 01-11-2025)
Credit Officer MMGS-II: Minimum 25 years, Maximum 35 years
Credit Officer MMGS-III: Minimum 28 years, Maximum 38 years
Credit Officer SMGS-IV: Minimum 30 years, Maximum 40 years
Vacancy Details :
| Scale | Post Name | Total |
| SMGS-IV | Credit Officer | 36 |
| MMGS-III | Credit Officer | 60 |
| MMGS-II | Credit Officer | 418 |
| Total Vacancies | 514 | |
Note: The number of vacancies and reserved vacancies is provisional and may vary according to the actual requirement of the Bank.
PWD Categories:
- OC – Orthopedically Challenged
- VI – Visual Impairment
- HI – Hearing Impaired
- ID – Intellectual Disability
Age Relaxation :
SC/ST Candidates: 5 years relaxation
OBC Candidates (Non-creamy layer): 3 years relaxation
Persons with Benchmark Disabilities: 10 years relaxation
Ex-Servicemen: 5 years relaxation (subject to conditions)
1984 Riots Affected Persons: 5 years relaxation
Age relaxation to SC/ST/OBC candidates is allowed on cumulative basis with only one of the remaining categories
Application Fee :
| Category | Fee Amount |
| SC/ST/PWD Candidates | Rs. 175/- (Intimation charges only) |
| General & Other Categories | Rs. 850/- (Application fee + Intimation charges) |
Application fee is inclusive of GST
Bank transaction charges for online payment will be borne by the candidate
Fee payment period: 20.12.2025 to 05.01.2026
Payment modes: Credit cards, Debit cards, Internet Banking, Cash Cards/Mobile Wallets, QR or UPI
Fee once paid is non-refundable and non-transferable
Important Dates :
| Event | Date |
| Notification Date | 01/11/2025 |
| Relevant Date for Age and Qualification | 01/11/2025 |
| Online Application Start Date | 20/12/2025 |
| Last Date for Online Application | 05/01/2026 |
| Payment of Application Fee | 20/12/2025 to 05/01/2026 |
| Tentative Date of Online Examination | Will be advised separately |
Selection Process :
Selection will be through online test and/or personal interview, depending on the number of applicants/eligible candidates
Scrutiny of Eligibility Criteria: Applications will be shortlisted based on documents uploaded at registration
Online Examination Structure:
English Language: 25 questions, 25 marks (Qualifying nature only)
Reasoning: 25 questions, 25 marks
Quantitative Aptitude: 25 questions, 25 marks
Professional Knowledge: 75 questions, 75 marks
Total: 150 questions, 150 marks
Composite time: 120 minutes
Minimum Qualifying Marks (Online Test): 35% for General/EWS; 30% for SC/ST/OBC/PWD
Penalty for Wrong Answers: 1/4th marks deduction for each wrong answer
Personal Interview:
Candidates will be called at 1:3 ratio to number of vacancies
Maximum marks: 100
Minimum qualifying marks: 50% for General/EWS; 45% for SC/ST/OBC/PWD
Final Selection (if both Online Test and Interview conducted):
Weightage ratio: Online Examination 70%, Interview 30%
Merit list based on combined marks in descending order
If Online Examination not conducted: Final selection through personal interview only with 100 marks
In case of equal marks, preference given based on online exam marks, then Date of Birth (senior in age)
General Information/Instructions :
Candidates ready to work anywhere in India should apply
Candidates can apply for only one post; multiple applications will result in retention of latest valid application only
Candidates must possess valid email ID and mobile number throughout the recruitment process
Bank reserves the right to post/transfer officers anywhere in India
Candidates who held similar posts in Bank of India previously are not eligible
No change of category or any other details permitted after registration
Candidates serving in Government/Public Sector must submit No Objection Certificate at interview
Call letters will be available for download from official website; no hard copy sent by post
Security Deposit Required:
Officers in MMGS-II: Rs. 2,00,000/-
Officers in MMGS-III & above: Rs. 3,00,000/-
Refundable after 3 years of satisfactory service
Medical fitness required for appointment as per Bank’s requirements
Bank reserves right to cancel/modify recruitment process at any stage
All disputes subject to jurisdiction of Courts at Mumbai
How to Apply :
Step 1: Visit Bank of India official website www.bankofindia.bank.in
Step 2: Click on ‘CAREER’ section, then click on “Recruitment of Credit Officers in GBO Stream Project No. 2025-26/01 Notice dated 01.11.2025”
Step 3: Click on ‘APPLY ONLINE’ button
Step 4: Choose “Click here for New Registration” and enter Name, Contact details, and Email-id
Step 5: Note down the Provisional Registration Number and Password generated by system
Step 6: Complete the application form with all required details
Step 7: Upload scanned documents as per specifications:
Photograph (4.5cm × 3.5cm, 200×230 pixels, 20-50 KB, JPG format)
Signature (140×60 pixels, 10-20 KB, JPG format)
Left thumb impression (240×240 pixels, 20-50 KB, JPG format)
Handwritten declaration in English (800×400 pixels, 50-100 KB, JPG format)
Step 8: Upload relevant experience certificates and other required documents
Step 9: Preview the complete application form before final submission
Step 10: Click on ‘COMPLETE REGISTRATION’ after verification
Step 11: Proceed to payment of application fee through online mode
Step 12: Take printout of e-Receipt and online application form for future reference
Candidates are advised to apply well before the closing date to avoid last-minute technical issues
Only online applications through official website will be accepted
Important Links :
Apply Online: Click here
Official Notification : Click here
Official Website: Click here
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