Bank of India Credit Officer Recruitment 2026: Bank of India, a leading Public Sector Bank with Head Office in Mumbai, has released Project No. 2026-27/01 (Notice dated 01.06.2026) for recruitment of 779 Credit Officers in General Banking Officer (GBO) Stream across three scales — MMGS-II, MMGS-III and SMGS-IV. This includes 475 unfilled vacancies carried forward from the previous recruitment exercise (Project 2025-26/01 dated 01.11.2025). Online applications close on 20 July 2026.
🏦 BANK OF INDIA CREDIT OFFICER 2026 — KEY HIGHLIGHTS
MMGS-II / III & SMGS-IV
GBO Stream
Last Date: 20 July 2026
Bank of India Credit Officer 2026 Overview
| Detail | Info |
|---|---|
| Organization | Bank of India |
| Project No. | 2026-27/01, Notice dated 01.06.2026 |
| Post Name | Credit Officers (GBO Stream) |
| Total Vacancies | 779 Posts (includes 475 carry-forward from 2025-26) |
| Scales | MMGS-II, MMGS-III, SMGS-IV |
| Application Opens | 30 June 2026 |
| Last Date to Apply | 20 July 2026 |
| Application Fee | ₹175/- (SC/ST/PwBD) | ₹850/- (Others) |
| Official Website | bankofindia.bank.in |
Important Dates
| Event | Date |
|---|---|
| Notification Date | 01 June 2026 |
| Application & Fee Payment Opens | 30 June 2026 |
| Last Date to Apply | 20 July 2026 |
| Relevant Date for Age & Qualification | 01 June 2026 |
| Online Exam Date | To be announced separately |
Vacancy Details — Scale & Category wise
| Post / Scale | SC | ST | OBC | EWS | GEN | Total | Age (as on 01.06.2026) |
|---|---|---|---|---|---|---|---|
| Credit Officer — MMGS-II | 102 | 52 | 180 | 69 | 274 | 677 | 25 – 32 years |
| Credit Officer — MMGS-III | 10 | 5 | 16 | 8 | 22 | 61 | 28 – 38 years |
| Credit Officer — SMGS-IV | 6 | 2 | 9 | 3 | 21 | 41 | 32 – 45 years |
| TOTAL | 118 | 59 | 205 | 80 | 317 | 779 |
⚠️ Includes PwBD horizontal reservation: 8 HI, 8 VI, 8 OC, 7 ID posts across all scales.
Pay Scale
| Scale | Pay Scale (Basic Pay) |
|---|---|
| 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 |
Eligibility Criteria
| Post | Expected Qualification | Experience (Expected) |
|---|---|---|
| Credit Officer — MMGS-II | Graduation (min 60% marks) in any discipline from recognised University | 1–2 years in banking/credit/lending |
| Credit Officer — MMGS-III | Graduation (min 60%) — MBA/CA/CFA preferred | 4–5 years in banking/credit |
| Credit Officer — SMGS-IV | Graduation (min 60%) — MBA/CA/CFA preferred | 6–8 years in banking/credit/lending |
⚠️ Note: Exact eligibility criteria for each post are in Annexure-I of the official notification PDF. SC/ST/OBC/PwBD candidates are entitled to 5% marks relaxation (55% instead of 60%). Age & qualification relevant date is 01 June 2026.
Age Relaxation
| Category | Relaxation |
|---|---|
| SC / ST | 5 Years |
| OBC (NCL) | 3 Years |
| PwBD | 10 Years |
| Ex-Servicemen (min 5 yrs service) | 5 Years |
| Persons affected by 1984 riots | 5 Years |
Application Fee
| Category | Fee |
|---|---|
| SC / ST / PwBD | ₹175/- (intimation charges only, inclusive of GST) |
| General / OBC / EWS | ₹850/- (application fee + intimation charges, inclusive of GST) |
| Payment Mode | Online — Debit/Credit Card (Visa/Master/RuPay), Net Banking, UPI, Mobile Wallets |
Security Deposit (on Selection)
| Scale | Security Deposit |
|---|---|
| MMGS-II | ₹2,00,000/- (refundable after 3 years of satisfactory service) |
| MMGS-III | ₹3,00,000/- (refundable after 3 years of satisfactory service) |
| SMGS-IV | ₹3,00,000/- (refundable after 3 years of satisfactory service) |
Exam Pattern
| Test | Questions | Marks | Duration | Nature |
|---|---|---|---|---|
| English Language | 25 | 25 | 120 Minutes (Composite) | Qualifying only (min 35%) |
| Professional Knowledge (relevant to post) | 100 | 100 | Merit-based (min 35%) | |
| Total | 125 | 125 |
⚠️ Negative Marking: 0.25 marks deducted per wrong answer. Final selection: Online Exam (70%) + Interview (30%).
Selection Process
| Stage | Details |
|---|---|
| 1. Eligibility Screening | Based on uploaded documents at registration |
| 2. Online Examination | English (qualifying) + Professional Knowledge (merit) |
| 3. Personal Interview | 100 marks — min 50% (General/EWS), 45% (SC/ST/OBC/PwBD) |
| 4. Final Merit | Exam 70% + Interview 30% |
Exam Centres
Ahmedabad, Bengaluru, Bhopal, Bhubaneswar, Chennai, Coimbatore, Dehradun, Delhi/NCR, Guwahati, Hyderabad, Jaipur, Jammu, Kolkata, Lucknow, Mumbai/Thane/Navi Mumbai, Panaji, Patna, Raipur, Ranchi, Shimla, Thiruvananthapuram, Ernakulum, Vijayawada/Guntur, Visakhapatnam and more.
How to Apply
- Visit bankofindia.bank.in → Careers → Project No. 2026-27/01
- Click “Apply Online” → “Click here for New Registration”
- Enter Name, Contact details, Email ID — note Registration Number and Password
- Fill all details, upload photograph, signature, left thumb impression and handwritten declaration
- Upload experience/eligibility documents
- Pay application fee online
- Submit before 20 July 2026 and take printout
⚠️ One post only — candidates already holding similar posts at Bank of India are NOT eligible. Candidates must be willing to work anywhere in India.
Important Links
| Link | URL |
|---|---|
| 🖊️ Apply Online | ibpsreg.ibps.in/boicojun26/ |
| 📄 Official Notification PDF | Download Notification PDF |
| 🌐 Bank of India Official Website | bankofindia.bank.in |
| 🏦 More Bank Jobs 2026 | All Bank Jobs 2026 |
FAQs
What is Bank of India Credit Officer Recruitment 2026?
It is Project No. 2026-27/01 by Bank of India for 779 Credit Officer vacancies in GBO Stream across MMGS-II (677 posts), MMGS-III (61 posts) and SMGS-IV (41 posts), including 475 carry-forward vacancies from 2025-26.
What is the last date for Bank of India Credit Officer 2026?
20 July 2026. Application and fee payment both close on the same date.
What is the salary for Bank of India Credit Officer?
MMGS-II: ₹64,820 – ₹93,960/month | MMGS-III: ₹85,920 – ₹1,05,280/month | SMGS-IV: ₹1,02,300 – ₹1,20,940/month, plus DA, HRA and allowances.
What is the age limit for MMGS-II Credit Officer post?
Minimum 25 years and maximum 32 years as on 01.06.2026 for MMGS-II posts.
Is there negative marking in Bank of India Credit Officer exam?
Yes — 0.25 marks deducted per wrong answer. English Language test is qualifying in nature and marks are not added to merit.
What is the security deposit for Bank of India Credit Officer?
₹2,00,000/- for MMGS-II and ₹3,00,000/- for MMGS-III and SMGS-IV. Refundable after 3 years of satisfactory service. Forfeited if candidate leaves before 3 years.
Can existing Bank of India officers apply?
No. Candidates who were holding similar posts in Bank of India in the past are NOT eligible to apply.
What is the application fee for Bank of India Credit Officer 2026?
₹175/- for SC/ST/PwBD. ₹850/- for General/OBC/EWS candidates. Online payment only.