Bank of India Credit Officer Notification Recruitment 2025 - 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.

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Bank of India Credit Officer Recruitment 2025-26 Apply Online for 514 Posts

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 2025: Overview

Bank of India Credit Officer 2025
Organisation	Bank of India
Post	Credit Officer (GBO)
Scale	SMGS-IV, MMGS-III & MMGS-II
Vacancy	514
Registration Dates	20 December 2025 to 05 January 2026
Eligibility Criteria	Graduation + Preferred Qualification
Age Limit	As per the post
Experience Required	Yes (as per the post)
Selection Process	Online Exam & Interview
Salary	₹64,820 | ₹85920 | ₹1,02,300
Official Website	www.bankofindia.bank.in

Bank of India Credit Officer 2025: Vacancy Details

Bank of India Credit Officer Vacancy 2025–26
Post	Scale	Stream	SC	ST	OBC	EWS	UR	Total
Credit Officer	SMGS-IV	GBO	5	2	9	3	17	36
	MMGS-III		9	4	16	6	25	60
	MMGS-II		62	31	112	41	172	418
Total			76	37	137	50	214	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

Bank of India Credit Officer 2025: Application Fee

• 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

Bank of India Credit Officer 2025: Important Dates

• 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

Bank of India Credit Officer 2025: 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

Bank of India Credit Officer 2025: 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

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

Bank of India Credit Officer 2025: 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

How to Apply For Bank of India Credit Officer 2025

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, 200x230 pixels, 20-50 KB, JPG format)
• Signature (140x60 pixels, 10-20 KB, JPG format)
• Left thumb impression (240x240 pixels, 20-50 KB, JPG format)
• Handwritten declaration in English (800x400 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

Bank of India Credit Officer 2025 - Important Links

Download Notification
Apply Online
Go To Official website