In a significant recruitment drive for the banking sector, the Bank of India (BOI) has officially commenced its online application process for the position of Credit Officer for the 2025-26 cycle. The public sector bank has announced a total of 514 vacancies under its General Banking Officer (GBO) stream, targeting experienced professionals seeking to advance their careers in credit and banking.
Vacancy Breakdown and Important Dates
The recruitment notification outlines a structured opportunity across three management scales. The vacancies are distributed 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). The online registration window is now active on the bank's official portal and will remain open until January 5, 2026. The age of candidates will be calculated as of November 1, 2025.
Reservation benefits for candidates belonging to Scheduled Caste (SC), Scheduled Tribe (ST), Other Backward Classes (OBC), Economically Weaker Section (EWS), and Persons with Benchmark Disabilities (PwBD) will be applicable as per the prevailing Government of India guidelines.
Eligibility Criteria: Education, Age, and Experience
To be eligible for these coveted positions, candidates must possess a graduation degree from a recognised university. While this is the basic requirement, the bank has expressed a strong preference for candidates holding professional qualifications. These include Chartered Accountant (CA), Chartered Financial Analyst (CFA), ICWA, or an MBA/PGDBM with a specialization in Banking or Finance, depending on the specific post and scale applied for.
The age limit varies with the scale of the position. For MMGS-II, candidates must be between 25 to 35 years. For MMGS-III, the age bracket is 28 to 38 years, and for the senior SMGS-IV posts, it is 30 to 40 years. Standard age relaxation will be provided to candidates from reserved categories and ex-servicemen as per government norms.
Experience is a critical component of this recruitment. For MMGS-II, applicants need a minimum of 3 years of officer-level experience post-qualification, with at least 2 years dedicated to MSME, corporate, or commercial credit. The requirements are more stringent for higher scales. Candidates applying for MMGS-III and SMGS-IV must have between 5 to 8 years of relevant experience in banking and credit-related roles, with specifics detailed in the official notification.
Application Process and Selection Stages
Interested and eligible candidates must apply exclusively through the Bank of India's official website: bankofindia.bank.in. The process involves navigating to the 'Careers' section, finding the notification for 'Recruitment of Credit Officers in GBO Stream 2025-26', and clicking the 'Apply Online' link. After completing registration and securing the registration credentials, applicants must pay the prescribed application fee online as per their category and finally submit the form. It is crucial to save a copy of the confirmation page for future reference.
The selection of candidates will be a multi-stage process. Initially, the bank will shortlist applications based on eligibility. Depending on the volume of applicants, the subsequent stage may involve an online examination, an interview, or both. The examination is expected to assess candidates on professional knowledge, reasoning ability, quantitative aptitude, and key concepts in credit and risk management. Aspirants are advised to monitor the Bank of India's official website regularly for updates on the examination date, admit card release, and other important announcements related to this recruitment drive.
