Bank of India Credit Officer Recruitment 2026: Admit Card

The post-wise educational qualification is prescribed in Annexure-I of the notification. The main notice states that candidates must possess the requisite qualification for the respective post as on 01.06.2026. For reserved-category candidates applying against reserved vacancies, where 60% marks is prescribed, a 5% relaxation is applicable, making the requirement 55%. 

Age Limit:
Age is calculated as on 01.06.2026:

MMGS-II: 25–32 years
MMGS-III: 28–38 years
SMGS-IV: 32–45 years.

Age relaxation:
SC/ST: 5 years
OBC (Non-Creamy Layer): 3 years
PwBD: 10 years
Ex-Servicemen/eligible commissioned officers: 5 years
Persons affected by 1984 riots: 5 years.

Candidates can apply online only from 30.06.2026 to 20.07.2026. Visit the Bank of India website, go to Career, select “Recruitment of Credit Officers in GBO Stream Project No. 2026-27/01 Notice dated 01.06.2026”, and click Apply Online.

Candidates need to complete registration, enter personal/educational/experience details, upload photograph, signature, left thumb impression and handwritten declaration, preview the application, complete registration and pay the applicable fee online.

The Bank reserves the right to post/transfer selected officers anywhere in India according to its requirements.

Candidates called for interview must produce the original eligibility documents, educational certificates, identity proof and applicable caste/EWS/PwBD certificates. Government/PSU employees are required to produce a No Objection Certificate (NOC) at the time of interview.

Pay Scale / Salary:
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

Other applicable allowances and perquisites will be provided as per Bank rules.

Eligibility / Experience Requirement:
Candidates must fulfil the post-wise eligibility and experience requirements specified in Annexure-I. The Bank requires candidates to produce original documents relating to category, age, educational qualification and work experience at the interview/subsequent stages. Candidates can apply for only one post. Candidates who previously held a similar post in Bank of India are not eligible. Candidates should also be ready to work anywhere in India.

Selection Process:
Selection will be through Online Examination and/or Personal Interview, depending on the number of applicants/eligible candidates. Applications are initially scrutinized on the basis of the documents uploaded during registration.

If both Online Examination and Interview are conducted, the final weightage will be 70:30 between Online Examination and Interview.

Exam Pattern:
Online Examination:

English Language: 25 Questions / 25 Marks
Professional Knowledge relevant to the post: 100 Questions / 100 Marks
Total: 125 Questions / 125 Marks
Time: 120 Minutes.

The English Language test is qualifying in nature and its marks will not be added to the merit list. The minimum qualifying marks are 35% for General/EWS candidates, with a 5% relaxation for SC/ST/OBC/PwBD candidates applying against relevant reserved vacancies.

There is 1/4th negative marking for each wrong answer. No penalty is imposed for an unanswered question.

Syllabus:
English Language: The notification provides a qualifying English Language test.

Professional Knowledge: Questions will be related to the relevant professional knowledge required for the Credit Officer – GBO Stream post.

The detailed professional syllabus is not separately reproduced in the uploaded notice; candidates should refer to the examination Information Handout issued by the Bank for detailed test instructions and professional knowledge coverage.

Reservation / Horizontal Reservation:
The recruitment provides category-wise vacancies for SC, ST, OBC, EWS and GEN categories. Horizontal reservation is provided for eligible PwBD categories including HI, VI, OC and ID.

For EWS reservation, the family gross annual income must be below ₹8 lakh, subject to the prescribed asset criteria. The EWS Income & Asset Certificate should be based on FY 2025-26.