Bank of India Credit Officer Recruitment 2025 - Apply Online for 514 Posts

Age Limit (as on 01-11-2025)

• MMGS-II: 25 to 35 years
• MMGS-III: 28 to 38 years
• SMGS-IV: 30 to 40 years

Age Relaxation

• SC/ST: 5 years
• OBC (Non-creamy layer): 3 years
• Persons with Benchmark Disabilities: 10 years
• Ex-Servicemen: 5 years (subject to conditions)
• 1984 Riots Affected Persons: 5 years
• Cumulative relaxation provisions for SC/ST/OBC in combination with other categories (as applicable)

Educational Qualifications

• Graduate degree from a recognized university with a minimum of 60% marks.
• Relaxation: Candidates from reserved categories (SC/ST/OBC/PWD) are entitled to a 5% relaxation to a minimum of 55% marks.
• If CGPA/OGPA is awarded, it must be converted to percentage. Fractions like 59.99% are treated as below 60%.
• Scale-wise requirements vary by MMGS-II, MMGS-III, and SMGS-IV; refer to Annexure-I of the official notification for detailed eligibility.
• Relevant banking experience in credit operations is required.

Desirable

• Experience in credit assessment and credit operations in the banking sector.
• Knowledge of banking operations and regulations.

Experience

• Candidates must possess the requisite experience as specified for the respective scales. Experience certificates must be submitted at the time of the interview.

Important Dates

• Notification Date: 01-11-2025
• Online Application Start Date: 20-12-2025
• Last Date for Online Application: 05-01-2026
• Payment of Application Fee: 20-12-2025 to 05-01-2026
• Tentative Date of Online Examination: Will be advised separately

Application Fees

• SC/ST/PWD Candidates: Rs. 175 (Intimation charges only)

• General & Other Categories: Rs. 850 (Application fee + Intimation charges)

• Fees are inclusive of GST. Bank transaction charges are borne by the candidate. The fee payment window is 20-12-2025 to 05-01-2026. Payment modes include Credit/Debit Cards, Internet Banking, Cash Cards/Mobile Wallets, QR/UPI. Fee once paid is non-refundable and non-transferable.

General Instructions

• Candidates should be ready to work anywhere in India.
• Apply for only one post; multiple applications will retain only the latest valid one.
• A valid email ID and mobile number must be maintained throughout the recruitment process.
• The Bank reserves the right to post/transfer officers anywhere in India.
• Previous Bank of India employees for similar posts are not eligible.
• No change of category or other details after registration.
• Government/Public Sector employees must submit an No Objection Certificate at interview.
• Call letters will be available for download from the official website; no hard copies will be sent.
• Security deposit: MMGS-II Rs. 2,00,000; MMGS-III and above Rs. 3,00,000 (refundable after 3 years of satisfactory service).
• Medical fitness is required as per Bank requirements.
• The Bank reserves the right to cancel or modify the recruitment process at any stage.
• Jurisdiction for disputes: Mumbai Courts.