Bank of India Credit Officer Recruitment 2025: Apply Online for 514 Vacancies
Key Highlights
Job Overview
| Organization | Bank of India |
|---|---|
| Post Name | Credit Officer |
| Total Vacancies | 514 Posts |
| Qualification | Graduation in any discipline from recognized University with minimum 60% marks (55% for SC/ST/OBC/PWD) |
| Age Limit | MMGS-II: 25-35 years, MMGS-III: 28-38 years, SMGS-IV: 30-40 years (Relaxation: 5 years for SC/ST, 3 years for OBC, 10 years for PwBD) |
| Salary | MMGS-II: ₹64,820 - ₹93,960, MMGS-III: ₹85,920 - ₹1,05,280, SMGS-IV: ₹1,02,300 - ₹1,20,940 |
| Location | All India |
| Category | Bank Jobs |
Bank of India has announced recruitment for 514 Credit Officer positions in General Banking Officer (GBO) stream across three scales: MMGS-II (418 posts), MMGS-III (60 posts), and SMGS-IV (36 posts). This recruitment is for Middle and Senior Management grades targeting experienced banking professionals with 3-8 years experience in credit processing. Candidates must have graduation with 60% marks and relevant banking experience. The salary ranges from ₹64,820 to ₹1,20,940 depending on the scale. Applications are accepted online from 20 December 2025 to 05 January 2026. Selection involves online examination and personal interview with 70:30 weightage respectively.
Complete Job Details
Educational Qualification
Graduation in any discipline from recognized University with minimum 60% marks (55% for SC/ST/OBC/PWD)
Age Limit
MMGS-II: 25-35 years, MMGS-III: 28-38 years, SMGS-IV: 30-40 years (Relaxation: 5 years for SC/ST, 3 years for OBC, 10 years for PwBD)
Age relaxation applicable as per government rulesApplication Fee
Read Notification
First, download and read the official notification carefully to understand eligibility criteria and requirements.
Check Eligibility
Verify that you meet all the eligibility requirements including age, qualification, and other criteria.
Prepare Documents
Keep your documents ready: Photo, Signature, ID Proof, Educational Certificates, etc.
Apply Online/Offline
Visit the official website and complete the application process before the last date.
Bank of India Recruitment
Credit Officer
Bank of India has announced recruitment for 514 Credit Officer positions in General Banking Officer (GBO) stream across three scales: MMGS-II (418 posts), MMGS-III (60 posts), and SMGS-IV (36 posts). This recruitment is for Middle and Senior Management grades targeting experienced banking professionals with 3-8 years experience in credit processing. Candidates must have graduation with 60% marks and relevant banking experience. The salary ranges from ₹64,820 to ₹1,20,940 depending on the scale. Applications are accepted online from 20 December 2025 to 05 January 2026. Selection involves online examination and personal interview with 70:30 weightage respectively.
📌 Last Date to Submit Application: 05 Jan 2026
📋 Bank of India – Overview
| Organization | Bank of India |
| Post Name | Credit Officer |
| Total Vacancies | 514 Post(s) |
| Salary / Stipend | MMGS-II: ₹64,820 - ₹93,960, MMGS-III: ₹85,920 - ₹1,05,280, SMGS-IV: ₹1,02,300 - ₹1,20,940 |
| Qualification Required | Graduation in any discipline from recognized University with minimum 60% marks (55% for SC/ST/OBC/PWD) |
| Age Limit | MMGS-II: 25-35 years, MMGS-III: 28-38 years, SMGS-IV: 30-40 years (Relaxation: 5 years for SC/ST, 3 years for OBC, 10 years for PwBD) |
| Job Location | All India |
| Application Mode | Online |
| Start Date | 20 Dec 2025 |
| Last Date | 05 Jan 2026 |
| Official Website | Visit Official Website |
📊 Vacancy Details
| Post Name | No. of Posts | |
|---|---|---|
| Post Name | Scale | Total Vacancies |
|---|---|---|
| Credit Officer | SMGS-IV | 36 |
| Credit Officer | MMGS-III | 60 |
| Credit Officer | MMGS-II | 418 |
| Total | 514 | |
✅ Eligibility Criteria
📚 Educational Qualification
- Graduation in any discipline from recognized University
- Minimum 60% marks (55% for SC/ST/OBC/PWD)
- MMGS-II: Minimum 3 years as Officer in Bank/Financial Institution, with 2 years in credit processing
- MMGS-III: Minimum 5 years as Officer, with 3 years in credit processing
- SMGS-IV: Minimum 8 years as Officer, with 5 years in credit processing
- MMGS-II: 25-35 years
- MMGS-III: 28-38 years
- SMGS-IV: 30-40 years
- Relaxation: 5 years for SC/ST, 3 years for OBC, 10 years for PwBD
Educational Qualification:
Experience Requirements:
Age Limit (as on 01.11.2025):
👤 Age Limit
- MMGS-II: 25-35 years, MMGS-III: 28-38 years, SMGS-IV: 30-40 years (Relaxation: 5 years for SC/ST, 3 years for OBC, 10 years for PwBD)
- Age relaxation applicable for SC/ST/OBC/PwD/Ex-Servicemen as per government rules
💰 Salary Structure
Pay Scale: MMGS-II: ₹64,820 - ₹93,960, MMGS-III: ₹85,920 - ₹1,05,280, SMGS-IV: ₹1,02,300 - ₹1,20,940
Additional allowances as per government norms (DA, HRA, TA, etc.)
💳 Application Fee
Payment Mode: Online through Debit Card/Credit Card/Net Banking/UPI
📝 Selection Process
- Online Examination: If number of applicants is high, online test will be conducted with English Language (25 questions), Reasoning (25 questions), Quantitative Aptitude (25 questions), and Professional Knowledge (75 questions). Duration: 120 minutes with negative marking of 0.25 for wrong answers.
- Personal Interview: Candidates qualifying online exam will be called for interview to assess professional knowledge, communication skills and suitability for banking sector.
- Final Merit: Based on Online Exam and Interview marks with 70:30 weightage (or Interview alone if exam is waived).
Note: Selection process may vary. Please refer to official notification for exact details.
📋 Exam Pattern
| Subject | Questions | Nature | Duration |
|---|---|---|---|
| English Language | 25 | Qualifying | 120 minutes |
| Reasoning | 25 | Merit Based | |
| Quantitative Aptitude | 25 | Merit Based | |
| Professional Knowledge | 75 | High Weightage |
Note: Negative marking of 0.25 marks for each wrong answer.
Note: Exam pattern is indicative. Please refer to official notification for exact details.
📅 Important Dates
| Event | Date |
|---|---|
| Notification Release Date | 24 Dec 2025 |
| Application Start Date | 20 Dec 2025 |
| Last Date to Apply | 05 Jan 2026 |
| Exam Date | To be announced |
| Admit Card Release | Before exam date |
📝 How to Apply
- Visit the official website of Bank of India
- Navigate to 'Career' section and click on 'Recruitment of Credit Officers in GBO Stream'
- Click on 'Apply Online' and choose 'Click here for New Registration'
- Enter Name, Email ID, and Mobile Number to generate Provisional Registration Number and Password
- Log in and fill personal, educational, and experience details carefully
- Upload scanned copies of Photograph, Signature, Left Thumb Impression, and Handwritten Declaration
- Pay application fee online using Debit Card, Credit Card, or Net Banking
- Click 'Submit' and take printout of final application form for future reference
⭐ Important Highlights
- ✨ Total Vacancies: 514 Post(s)
- ✨ Attractive Salary: MMGS-II: ₹64,820 - ₹93,960, MMGS-III: ₹85,920 - ₹1,05,280, SMGS-IV: ₹1,02,300 - ₹1,20,940
- ✨ Location: All India
- ✨ Application Mode: Online
- ⚠️ Don't miss the last date: 05 Jan 2026
⚠️ Disclaimer: All information provided above is collected from official sources. Candidates are advised to verify all details from the official notification before applying. We are not responsible for any changes or discrepancies.
Selection process may vary. Please refer to official notification for exact details.
Important Disclaimer
All information on this page is collected from official sources. Please verify all details from the official notification before applying. We are not responsible for any changes or errors in the information provided.