Bank of India Credit Officer Recruitment 2025 – Apply Online for 514 Posts
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The Bank of India (BOI) has officially released the Credit Officer Recruitment 2025 notification for a total of 514 vacancies across MMGS-II, MMGS-III, and SMGS-IV scales. This recruitment drive offers an excellent opportunity for experienced and aspiring banking professionals to secure a prestigious officer-level position in one of India’s leading public sector banks.
In this detailed CarefreeJobs guide, you will find complete and verified information about eligibility criteria, age limit, qualification, salary structure, application fee, important dates, vacancy distribution, selection process, exam pattern, and step-by-step instructions to apply online. This article is written in a human-friendly, SEO-optimized format to help candidates clearly understand every aspect of the recruitment process.
► BOI Credit Officer Recruitment 2025 – Overview
| Particulars | Details |
|---|---|
| Organization | Bank of India (BOI) |
| Post Name | Credit Officer |
| Total Vacancies | 514 |
| Job Location | Across India |
| Salary | Rs. 64,820 – Rs. 120,940 per month |
| Qualification | Graduate (Minimum 60% Marks) |
| Age Limit | 25 to 40 Years (Post-wise) |
| Application Mode | Online |
| Apply Dates | 20 December 2025 to 05 January 2026 |
| Official Website | www.bankofindia.bank.in |
► BOI Credit Officer Vacancy Details 2025
The Bank of India has announced vacancies across three officer scales. The distribution is as follows:
| Scale | Post Name | Vacancies |
|---|---|---|
| SMGS-IV | Credit Officer | 36 |
| MMGS-III | Credit Officer | 60 |
| MMGS-II | Credit Officer | 418 |
| Total | 514 |
Important Note:
• Vacancies are provisional and may change based on organizational requirements.
• Reservation for SC, ST, OBC, EWS, and PwBD categories will be applicable as per Government norms.
PwBD Categories Covered
• OC – Orthopedically Challenged
• VI – Visual Impairment
• HI – Hearing Impaired
• ID – Intellectual Disability
► BOI Credit Officer Eligibility Criteria 2025
Candidates must satisfy educational qualification, experience, and age criteria as on 01 November 2025.
✔ Educational Qualification
• Candidates must possess a Graduate Degree from a recognized university.
• Minimum 60% marks required for General/EWS candidates.
• SC/ST/OBC/PwBD candidates are eligible for 5% relaxation (minimum 55%).
• CGPA/OGPA must be converted into percentage.
• Fractional percentages will be ignored (59.99% is treated as below 60%).
✔ Essential Qualifications (Scale-wise)
• Eligibility criteria vary for MMGS-II, MMGS-III, and SMGS-IV scales.
• Relevant banking experience in credit operations is mandatory.
• Candidates must refer to Annexure-I of the official notification for exact scale-wise requirements.
✔ Desirable Qualifications
• Experience in credit appraisal and loan processing
• Strong understanding of banking regulations and credit risk assessment
✔ Experience Requirement
• Candidates must have relevant post-qualification banking experience.
• Experience certificates must be produced at the time of interview.
► BOI Credit Officer Age Limit 2025 (As on 01-11-2025)
| Scale | Minimum Age | Maximum Age |
|---|---|---|
| MMGS-II | 25 Years | 35 Years |
| MMGS-III | 28 Years | 38 Years |
| SMGS-IV | 30 Years | 40 Years |
Age Relaxation
• SC/ST: 5 Years
• OBC (Non-Creamy Layer): 3 Years
• PwBD: 10 Years
• Ex-Servicemen: 5 Years
• 1984 Riot Victims: 5 Years
Age relaxation for SC/ST/OBC is allowed cumulatively with only one additional category.
► BOI Credit Officer Salary Structure 2025
Bank of India offers an attractive pay scale with multiple allowances as per Officer Service Regulations.
MMGS-II Pay Scale
Rs. 64,820 – 2,340 (1) – 67,160 – 2,680 (10) – 93,960 per month
MMGS-III Pay Scale
Rs. 85,920 – 2,680 (5) – 99,320 – 2,980 (2) – 105,280 per month
SMGS-IV Pay Scale
Rs. 102,300 – 2,980 (4) – 114,220 – 3,360 (2) – 120,940 per month
Additional Benefits:
• DA, HRA, CCA
• Medical benefits
• Leave Travel Concessions
• Pension and retirement benefits
► BOI Credit Officer Application Fee 2025
| Category | Fee |
|---|---|
| SC/ST/PwBD | Rs. 175/- |
| General/OBC/EWS | Rs. 850/- |
• Fee includes GST
• Bank transaction charges extra
• Fee is non-refundable
• Payment mode: Debit Card, Credit Card, Net Banking, UPI
► BOI Credit Officer Important Dates 2025
| Event | Date |
|---|---|
| Notification Release | 01 November 2025 |
| Online Application Start | 20 December 2025 |
| Last Date to Apply | 05 January 2026 |
| Fee Payment Last Date | 05 January 2026 |
| Online Exam | To be announced |
► BOI Credit Officer Selection Process 2025
The selection process may include:
Stage 1: Online Examination
| Section | Questions | Marks |
|---|---|---|
| English Language | 25 | 25 |
| Reasoning | 25 | 25 |
| Quantitative Aptitude | 25 | 25 |
| Professional Knowledge | 75 | 75 |
| Total | 150 | 150 |
• Duration: 120 Minutes
• English section is qualifying in nature
• Negative marking: 1/4th mark deducted
Minimum Qualifying Marks:
• General/EWS: 35%
• SC/ST/OBC/PwBD: 30%
Stage 2: Personal Interview
• Candidates shortlisted in 1:3 ratio
• Maximum Marks: 100
• Minimum Qualifying: 50% (Gen/EWS), 45% (Reserved)
Final Merit
• Online Exam: 70% weightage
• Interview: 30% weightage
► How to Apply for BOI Credit Officer Recruitment 2025
✔ Step 1: Visit www.bankofindia.bank.in
✔ Step 2: Go to Career → Recruitment of Credit Officers (Project 2025-26/01)
✔ Step 3: Click on Apply Online
✔ Step 4: Complete New Registration
✔ Step 5: Fill application form carefully
✔ Step 6: Upload photo, signature, thumb impression, handwritten declaration
✔ Step 7: Upload experience certificates
✔ Step 8: Pay application fee
✔ Step 9: Submit and print application form
► Important Instructions for Candidates
• Only one application allowed
• Candidates must be willing to work anywhere in India
• NOC required for PSU/Govt employees
• Security deposit applicable after selection
• Medical fitness mandatory
► BOI Credit Officer Recruitment 2025 – FAQs
Q1. How many vacancies are released for BOI Credit Officer 2025?
A total of 514 Credit Officer vacancies are announced.
Q2. What is the last date to apply online?
The last date is 05 January 2026.
Q3. Is experience mandatory for Credit Officer posts?
Yes, relevant banking experience in credit operations is required.
Q4. What is the salary of BOI Credit Officer?
Salary ranges from Rs. 64,820 to Rs. 120,940 per month depending on scale.
Q5. Is there negative marking in the exam?
Yes, 1/4th mark will be deducted for each wrong answer.
Bank of India Credit Officer Recruitment 2025 Apply Online 514 Posts
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Disclaimer: This article is for informational purposes only. Candidates must refer to the official Bank of India notification for final details.