Bank of India has released a fresh recruitment notification inviting applications from qualified professionals for the post of Credit Officer under the General Banking Officer stream. This recruitment drive aims to strengthen the bank’s credit operations by hiring skilled officers across multiple management levels. The selected candidates will be appointed in middle and senior management grades and will play a key role in credit appraisal, risk management, and banking operations. This opportunity offers a rewarding career with attractive pay, job security, and long-term growth in one of India’s most trusted public sector banks.
Important Dates
- Online Application Start Date: 20 December 2025
- Last Date to Submit Application: 05 January 2026
- Eligibility Cut-off Date: 01 November 2025
- Online Examination Date: Will be announced later
Vacancy Details
A total of 514 Credit Officer posts are available under this recruitment drive across three different grades.
Post-wise Vacancy Breakdown
- Credit Officer (Senior Management Grade Scale IV): 36 Posts
- Credit Officer (Middle Management Grade Scale III): 60 Posts
- Credit Officer (Middle Management Grade Scale II): 418 Posts
Total Vacancies: 514 Posts
The number of posts is provisional and may be adjusted depending on the bank’s operational needs.
Application Fee
Details regarding the application fee will be communicated during the online application process. Fee relaxation, if applicable, will be provided as per government norms.
Eligibility Criteria
Nationality Requirements
Applicants must fall under one of the following categories:
- Indian citizen
- Subject of Nepal or Bhutan
- Tibetan refugee who entered India before 1 January 1962 with permanent settlement intent
- Person of Indian origin who migrated from specified countries and intends to settle permanently in India
Non-Indian citizens must possess a valid eligibility certificate issued by the Government of India.
Age Limit (as on 01 November 2025)
| Post Grade | Minimum Age | Maximum Age |
|---|---|---|
| SMGS-IV | 30 Years | 40 Years |
| MMGS-III | 28 Years | 38 Years |
| MMGS-II | 25 Years | 35 Years |
Age Relaxation
- Scheduled Caste / Scheduled Tribe: 5 Years
- Other Backward Classes (Non-Creamy Layer): 3 Years
- Persons with Benchmark Disabilities: 10 Years
- Ex-Servicemen: 5 Years
- Persons affected by the 1984 riots: 5 Years
Educational Qualification and Experience
Candidates must hold the prescribed educational qualifications and relevant professional experience suitable for the Credit Officer role in their respective grade. Only those who meet all eligibility conditions as of the cut-off date will be considered. Applicants should also be willing to accept posting anywhere in India as per the bank’s requirement.
Reservation Policy
Reservation benefits are applicable for SC, ST, OBC, EWS, and Persons with Benchmark Disabilities in accordance with Government of India guidelines. Candidates must submit valid supporting documents to claim reservation benefits. EWS candidates must satisfy income and asset criteria as prescribed.
Salary Scale and Benefits
Selected candidates will be placed on the official pay scale applicable to their grade, along with additional allowances and benefits.
Pay Structure
- MMGS-II: ₹64,820 to ₹93,960
- MMGS-III: ₹85,920 to ₹1,05,280
- SMGS-IV: ₹1,02,300 to ₹1,20,940
Apart from basic pay, officers will receive allowances such as Dearness Allowance, House Rent Allowance, medical benefits, leave travel concessions, and other perks as per bank rules.
Selection Process
The recruitment process may include the following stages:
- Online Written Examination (if required)
- Personal Interview
- Document Verification
The bank reserves the right to modify or skip any stage of the selection process based on the number of applicants.
Posting and Service Conditions
- Selected officers may be posted at any branch or office across India.
- Final appointment is subject to medical fitness and verification of credentials.
- The bank holds the right to alter the designation or role as per operational requirements.
Key Instructions for Applicants
- Candidates can apply for only one grade.
- Submitting multiple applications will lead to cancellation of earlier submissions.
- All information provided must be accurate and supported with documents.
- Any attempt to influence the recruitment process will result in disqualification.
