The Bank of India (BOI) is set to conclude its online application process for a major recruitment drive today, January 5, 2026. This initiative aims to fill a substantial 514 vacancies for the position of Credit Officer under its General Banking Officer (GBO) stream. Eligible candidates who have not yet submitted their forms have a final opportunity to apply through the bank's official portal before the deadline passes.
Vacancy Distribution and Reservation Details
The 514 available posts are distributed across three distinct management scales, catering to experienced banking professionals. The breakdown is as follows: 36 posts in Senior Management Grade Scale-IV (SMGS-IV), 60 posts in Middle Management Grade Scale-III (MMGS-III), and the bulk, 418 posts in Middle Management Grade Scale-II (MMGS-II).
In adherence to the Government of India's regulations, the recruitment will provide reservation for candidates belonging to Scheduled Caste (SC), Scheduled Tribe (ST), Other Backward Classes (OBC), Economically Weaker Section (EWS), and Persons with Benchmark Disabilities (PwBD).
Eligibility Criteria: Qualifications, Age, and Experience
Prospective applicants must hold a graduation degree from a recognised university. While this is the basic requirement, the bank has shown a preference for candidates possessing professional credentials such as Chartered Accountant (CA), Chartered Financial Analyst (CFA), ICWA, or an MBA/PGDBM in Banking or Finance, depending on the specific post and scale applied for.
The age limit for applicants is calculated as of November 1, 2025. For MMGS-II, the age bracket is 25 to 35 years. For MMGS-III, it is 28 to 38 years, and for SMGS-IV, it is 30 to 40 years. The bank will grant age relaxation to SC, ST, OBC, PwBD, and Ex-Servicemen candidates as per prevailing government norms.
A critical component of the eligibility is relevant work experience. Candidates for MMGS-II must have a minimum of three years of officer-level experience post-qualification, with at least two of those years dedicated to MSME, corporate, or commercial credit. Those aiming for MMGS-III and SMGS-IV scales need between five to eight years of relevant experience in banking and credit-related roles, with the exact requirement varying by scale.
Application Process and Selection Stages
Interested and qualified individuals must submit their applications exclusively online via the official Bank of India website: bankofindia.bank.in. The process involves navigating to the 'Careers' section, locating the advertisement for 'Recruitment of Credit Officers in GBO Stream 2025-26', and completing the online registration and fee payment. Applicants are strongly advised to save their registration credentials and a screenshot of the final confirmation page.
The selection of candidates will be a multi-stage process. Initially, the bank will shortlist applications based on the submitted details. This will be followed by an online examination and/or interview, the format of which will depend on the volume of applicants. The examination is designed to assess professional knowledge, reasoning ability, quantitative aptitude, and understanding of credit and risk management concepts.
With the application window closing imminently, candidates are urged to complete their submissions promptly. The Bank of India advises all applicants to monitor its official website regularly for any further updates or notifications regarding this recruitment drive.
