Bank of India Credit Officer Recruitment 2025 – Apply Online for 514 Officer Vacancies

 Bank of India (BOI) has officially announced the Credit Officer Recruitment 2025, inviting online applications for 514 Credit Officer posts across multiple officer scales. This recruitment drive offers an excellent opportunity for experienced graduates seeking a stable and prestigious banking career in a leading public sector bank.

Eligible candidates can submit their applications online from 20 December 2025 to 05 January 2026 through the official BOI website bankofindia.bank.in. The recruitment will be conducted for MMGS-II, MMGS-III, and SMGS-IV scales with attractive salary packages and career growth opportunities.

This article provides complete details including vacancy distribution, eligibility criteria, age limit, salary structure, application fees, selection process, exam pattern, and step-by-step application procedure.

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 ₹64,820 – ₹1,20,940 per month

Qualification Graduate (Minimum 60% marks)

Age Limit 25 to 40 Years

Application Mode Online

Apply Start Date 20 December 2025

Last Date to Apply 05 January 2026

Official Website bankofindia.bank.in

BOI Credit Officer Vacancy Details 2025

Scale Post Vacancies

SMGS-IV Credit Officer 36

MMGS-III Credit Officer 60

MMGS-II Credit Officer 418

Total 514

 Note: Vacancies are provisional and may change as per the Bank’s requirements.

PWD Categories

OC – Orthopedically Challenged

VI – Visual Impairment

HI – Hearing Impaired

ID – Intellectual Disability

Eligibility Criteria for BOI Credit Officer 2025

Educational Qualification

Graduate degree from a recognized university

Minimum 60% marks (55% for SC/ST/OBC/PWD candidates)

CGPA/OGPA must be converted into percentage

Fractional percentages will be ignored (e.g., 59.99% < 60%)

Scale-wise Essential Qualification & Experience

Eligibility and experience requirements vary by scale

Candidates must refer to Annexure-I of the official notification

Relevant experience in credit operations and banking sector is mandatory

Desirable Experience

Credit appraisal and assessment experience

Knowledge of banking rules, lending norms, and regulations

Experience certificates must be produced at the interview stage.

BOI Credit Officer Salary Structure 2025

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

✔ Additional allowances & perks as per BOI officer rules

✔ Benefits as per Bank of India service regulations

Age Limit (As on 01 November 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 (NCL) – 3 Years

PwBD – 10 Years

Ex-Servicemen – 5 Years

1984 Riot Victims – 5 Years

Relaxation for SC/ST/OBC allowed cumulatively with only one additional category.

BOI Credit Officer Application Fee

Category Fee

SC / ST / PwBD ₹175

General / Others ₹850

Fee includes GST

Online payment only

Charges are non-refundable

Important Dates – BOI Recruitment 2025

Event Date

Notification Release 01 November 2025

Eligibility Cut-off Date 01 November 2025

Online Apply Start 20 December 2025

Last Date to Apply 05 January 2026

Fee Payment 20 Dec – 05 Jan 2026

Online Exam Date To be notified

Selection Process for BOI Credit Officer

Stage 1: Online Examination

English Language – 25 Marks (Qualifying only)

Reasoning – 25 Marks

Quantitative Aptitude – 25 Marks

Professional Knowledge – 75 Marks

Total: 150 Marks | Duration: 120 Minutes

Negative Marking: 0.25 marks per wrong answer

Qualifying Marks:

General/EWS – 35%

SC/ST/OBC/PwBD – 30%

Stage 2: Personal Interview

Candidates called in 1:3 ratio

Maximum Marks: 100

Qualifying Marks: General/EWS – 50%

Reserved Categories – 45%

Final Merit

Online Test: 70%

Interview: 30%

If no online test is conducted, selection will be based on interview only.

Security Deposit Requirement

MMGS-II: ₹2,00,000

MMGS-III & SMGS-IV: ₹3,00,000

✔ Refundable after 3 years of satisfactory service

How to Apply for BOI Credit Officer Recruitment 2025

1. Visit bankofindia.bank.in

2. Open Career → Recruitment

3. Click Credit Officer Recruitment 2025

4. Select New Registration

5. Fill basic details and generate registration ID

6. Complete application form carefully

7. Upload required documents:

Photograph

Signature

Thumb Impression

Handwritten Declaration

Experience Certificates

8. Preview application

9. Pay application fee online

10. Download application & e-receipt

Apply early to avoid technical issues. Only online applications are accepted.

BOI Credit Officer Recruitment 2025 – Important Links

Apply Online: Click Here

Official Notification PDF: Click Here

Annexure PDF: Click Here

Official Website: bankofindia.bank.in

Disclaimer

This article is published for informational purposes only on mhdailyupdated.in. Candidates are strongly advised to visit the official Bank of India website for accurate, complete, and updated information. mhdailyupdated.in or the author will not be responsible for any errors, omissions, or changes made by the recruiting authority.