BOIApplication Closed · Prep Phase

Bank of India Credit Officer Recruitment 2026 — 779 Specialist Officer Vacancies

Advt No: Project No. 2026-27/01•Bank of India (BOI)

Official Process Flow

Recruitment Stages & Upcoming Exam Milestones

Official selection stages and schedule updates as notified by Bank of India (BOI)

View Exam Pattern & Syllabus

Online Application Window

Application window closed on 20 Jul 2026

Closed

Stage 1: Online Computer Based Examination

(Professional Knowledge, English, Financial Awareness)

Date To Be Notified

Stage 2: Personal Interview & Group Discussion

(GD) for Shortlisted Candidates

Interview

Stage 3: Original Document Verification

(DV) & Work Experience Credential Verification

Document Scrutiny

Stage 4: Pre-Employment Comprehensive Medical Fitness Exami...

Pre-Employment Comprehensive Medical Fitness Examination

Date To Be Notified

All official examination schedules, hall tickets, and results are issued exclusively by Bank of India (BOI).

Official Authority Website

15-Second Executive Decision Summary

Verified key decision factors extracted directly from official notification

100% Official

Total Vacancies

BOI

779

Credit Officer (MMGS-II), Credit Officer (MMGS-III), Credit Officer (SMGS-IV)

Min Qualification

ANY GRADUATE

Verify My Eligibility

Age Limit & Cut-off

25 – 45 Yrs

as on 1 Jun 2026

Pay Scale / Salary

₹64,820–₹1,02,300

View In-Hand Simulator

Bank of India (BOI) (Advt No: Project No. 2026-27/01)

Am I Eligible?Syllabus Tracker Official Portal WhatsApp

About this Recruitment

Bank of India (BOI), a leading Public Sector Bank, has announced 779 specialist officer vacancies for Credit Officers across Middle Management Grade Scale-II (MMGS-II), Scale-III (MMGS-III), and Senior Management Grade Scale-IV (SMGS-IV). Candidates holding a Bachelor's Degree along with MBA (Finance), CA, CFA, ICWA, or PGDBM and relevant banking credit experience are invited to apply online via ibpsonline.ibps.in from June 30 to July 20, 2026.

✨ Copilot Highlights

Bank of India Credit Officer Recruitment under Project No. 2026-27/01.
Total 779 vacancies across Scale II (677), Scale III (61), and Scale IV (41).
Attractive PSU bank remuneration with starting basic pay from ₹64,820 to ₹1,02,300.
Graduates with MBA Finance / CA / CFA / ICWA and relevant credit appraisal experience eligible.
Online examination followed by Personal Interview and Group Discussion.

Age Limit & Eligibility Calculator

Minimum Age

25 Years

Maximum Age

45 Years

* Age calculated as on: 1 June 2026

Category-Wise Age Relaxations:

OBC (NCL): +3 Years

SC / ST: +5 Years

PwBD: +10 Years

Ex-Servicemen: +5 Years

⚡ Am I Eligible? (Instant Age & Cut-off Verifier)

Select your DOB and category (Calculated as on 1 June 2026)

Your Date of Birth (DOB)

Your Category / Reservation

Save to my candidate profile for 1-click verification across all jobs

Educational Eligibility: ANY GRADUATE, CA ICWA CS, MBA PGDM

Important Dates & Timeline

+ Google Calendar

Notification Released

29 June 2026

Application Start Date

30 June 2026

Last Date to Apply

20 July 2026

Vacancy Breakdown

Post Name	Vacancies	Eligibility
Credit Officer (MMGS-II)	677	ANY GRADUATE
Credit Officer (MMGS-III)	61	ANY GRADUATE
Credit Officer (SMGS-IV)	41	ANY GRADUATE

Compensation & 7th CPC Pay Matrix

Pay Scale & In-Hand Salary Simulator

Pay Level / Grade: MMGS-II Basic: ₹64,820 – ₹93,960 | MMGS-III Basic: ₹85,920 – ₹1,05,280 | SMGS-IV Basic: ₹1,02,300 – ₹1,20,940 plus DA, Special Allowance, HRA, City Compensatory Allowance, and Bank Medical / LFC Perks.

Official Pay Scale

₹64,820 - ₹1,02,300

Select Posting City Tier (Calculates HRA & In-Hand):

Ministry of Finance City Classification

Covered Locations: State Capitals & cities with 5–50 lakh population (e.g. Jaipur, Lucknow, Patna, Bhopal, Chandigarh)

Monthly Allowances & Earnings

Tier Y

Basic Pay₹64,820

Dearness Allowance (DA)50%

₹32,410

House Rent Allowance (HRA)18%

₹11,668

Transport Allowance (TA)₹5,400

Gross Monthly Salary₹1,14,298

Standard Deductions

Statutory

National Pension System (NPS)10% (Basic+DA)

-₹9,723

CGHS / Health Insurance-₹650

Group Insurance (CGEGIS)-₹60

Total Deductions-₹10,433

Estimated Monthly In-Hand in Class Y (Tier-2 Cities)

₹1,03,865

/ month (take-home)

Credited directly to the candidate's salary account after statutory NPS (10%) and medical deductions.

Approx Annual Gross (CTC)

₹13.72 LPA

Verified Statutory Pay Rules & Legal Disclaimer

Statutory Rules Disclaimer: The in-hand salary figures displayed above are illustrative estimates computed under 7th Central Pay Commission (7th CPC) / State Government Pay Matrix norms (Basic Pay + Dearness Allowance + City-Tier HRA + Transport Allowance minus statutory 10% NPS and health insurance contributions). Actual net monthly take-home on the candidate's official pay slip will vary based on exact posting location, city classification, entitlement/opting of government quarters (which waives HRA), and department-specific allowances. For binding statutory terms, please refer to the official recruitment notification.

Scheme of Examination & Syllabus

Exam Pattern & Detailed Syllabus

Official exam stages, subject marks distribution & interactive preparation tracker

Download Official Syllabus PDF

Stage 1: Online Preliminary Examination (CBT Prelims)

Exam Mode: Online Computer Based Objective Test

60 Minutes

Total Marks: 100

Negative Marking: 0.25 marks deducted per incorrect answer

Subject / Section	No. of Questions	Max Marks	Duration
English Language	30	30	20 min
Quantitative Aptitude	35	35	20 min
Reasoning Ability	35	35	20 min

Interactive Syllabus & Topic Study Tracker

Check off topics as you study — progress automatically saves to your browser.

Your Preparation Progress: 0 of 14 Topics Mastered0%

Quantitative Aptitude

0 / 4 done

Reasoning Ability

0 / 6 done

Banking & Financial Awareness

0 / 4 done

Official Application Protocol

How to Apply Online: Step-by-Step Guide

Keep all required educational certificates, scanned photograph, and signature ready before opening the application form.

Visit the official recruitment portal: https://www.bankofindia.co.in

Carefully read the official notification PDF (Advt No: Project No. 2026-27/01) to confirm eligibility criteria.

Complete One-Time Registration (OTR) or new user registration on the official portal.

Fill in personal details, educational qualifications, and category reservation details accurately.

Upload scanned passport-sized photograph (20-50 KB) and signature (10-20 KB) in the prescribed format.

Pay the applicable application fee online and download/print the final confirmation page for future reference.

Document Upload Specifications

Verified Official Format

Recent Passport Size Color Photograph

20 KB to 50 KB, JPG/JPEG format, white/light background, taken within 3 months

Scanned Candidate Signature

10 KB to 20 KB, JPG/JPEG format, black/blue ink on white paper

Educational Qualification Certificates & Marksheets

100 KB to 300 KB, clearly readable PDF/JPG format

Category / EWS / Domicile Certificate (if applicable)

100 KB to 300 KB, valid PDF format issued by competent authority

Need official 20KB–50KB Photo & Signature for this form?

Over 15% forms are rejected due to invalid dimensions. Crop, compress & stamp Name/DOP in 100% private 1-click studio.

Open 1-Click Photo Resizer

Application Fee Details

General / EWS / OBC Candidates₹850

SC / ST / PwBD Candidates₹175

Payment Modes: Online Payment via Debit Cards, Credit Cards, Internet Banking, or UPI

Selection Process

Stage 1: Online Computer Based Examination (Professional Knowledge, English, Financial Awareness)

Stage 2: Personal Interview & Group Discussion (GD) for Shortlisted Candidates

Stage 3: Original Document Verification (DV) & Work Experience Credential Verification

Stage 4: Pre-Employment Comprehensive Medical Fitness Examination

Frequently Asked Questions

What is the total number of Credit Officer vacancies in Bank of India?

A total of 779 Credit Officer vacancies have been announced: 677 posts in MMGS-II, 61 posts in MMGS-III, and 41 posts in SMGS-IV.

What are the educational qualifications required for BOI Credit Officer?

Candidates must hold a Bachelor's Degree in any discipline from a recognized university along with MBA / PGDBM (Finance/Banking) or CA / ICWA / CFA / CS professional certification.

What is the post-qualification work experience requirement?

Candidates need a minimum of 3 years of post-qualification officer experience for MMGS-II, 5 years for MMGS-III, and 7 years for SMGS-IV in credit appraisal/processing in a Commercial Bank or NBFC.

What is the age limit and cut-off date for BOI Credit Officer 2026?

As of June 1, 2026, the age limit is 25 to 35 years for MMGS-II, 25 to 38 years for MMGS-III, and 28 to 45 years for SMGS-IV. Standard category relaxations apply.

What is the application fee structure?

The application fee is ₹850 for General, OBC, and EWS candidates. SC, ST, and PwBD candidates pay an intimation charge of ₹175.

What is the selection process for BOI Credit Officer?

The selection consists of an Online Written Examination (Professional Knowledge, English, Financial Awareness), followed by Personal Interview / GD, Document Verification, and Medical Examination.

What is the salary structure and basic pay across scales?

Starting basic pay is ₹64,820 for Scale II, ₹85,920 for Scale III, and ₹1,02,300 for Scale IV plus Dearness Allowance, HRA, City Compensatory Allowance, and banking perks.