Bank of India Credit Officer (GBO) Recruitment 2025-26

Bank of India, one of the biggest public sector banks in India, has opened applications for the post of Credit Officer in its GBO (Group Business Officer) stream for the year 2025‑26. The recruitment is for three different pay scales – MMGS‑II, MMGS‑III and SMGS‑IV – which correspond to middle and senior management levels. A total of 514 vacancies are available across the country. The bank is looking for candidates who have a graduation degree and relevant banking or finance experience as mentioned in Annexure‑I of the official notification. Age limits vary by scale: 25‑35 years for MMGS‑II, 28‑38 years for MMGS‑III and 30‑40 years for SMGS‑IV, with relaxations for reserved categories, ex‑servicemen and other eligible groups.

The application process is completely online. It starts on 20 December 2025 and closes on 5 January 2026. Candidates must pay an application fee of Rs. 850 for General, OBC and EWS categories and Rs. 175 for SC, ST and PwBD candidates. The fee can be paid only through the online portal. After submitting the application, candidates will be shortlisted based on their uploaded documents. Shortlisted candidates will appear for an online objective test that includes English, Reasoning, Quantitative Aptitude and Professional Knowledge. The test has 150 questions to be answered in 120 minutes, with a negative marking of 0.25 for each wrong answer. The English section is only qualifying and does not count towards the final merit.

Those who clear the online test will be called for a personal interview. The interview carries 100 marks and also has qualifying criteria. The final merit is calculated on a 70:30 basis – 70% from the online test (Reasoning, Quantitative Aptitude and Professional Knowledge) and 30% from the interview. If the online test is not conducted, the selection will be based solely on interview scores.

Selected Credit Officers will be appointed in the bank’s middle or senior management grades with attractive pay scales. The basic pay starts at Rs. 64,820 for MMGS‑II, Rs. 85,920 for MMGS‑III and Rs. 1,02,300 for SMGS‑IV, along with various allowances, dearness allowance, medical facilities, leave benefits and a contributory pension scheme. A refundable security deposit of Rs. 2,00,000 (MMGS‑II) or Rs. 3,00,000 (MMGS‑III and above) is required, which is forfeited if the officer leaves the bank before completing three years of service.

The bank has provided a detailed notification PDF that candidates should read carefully for complete information on eligibility, document requirements, fee payment, exam schedule and other important instructions. This recruitment offers a great career opportunity for young professionals who want to grow in the banking sector and take on responsibilities such as credit appraisal, loan sanctioning, risk monitoring and customer relationship management. Candidates are advised to apply early, double‑check all entered details, and keep a copy of the submitted application for future reference.

Total available vacancies in Recruitment of Credit Officers (GBO Stream) 2025-26 exam is 514.

Exam Syllabus

The online test consists of four sections:
1. English Language (25 questions, 25 marks) – topics: reading comprehension, grammar, vocabulary, sentence correction, fill in the blanks.
2. Reasoning (25 questions, 25 marks) – topics: verbal reasoning, logical deduction, series, puzzles, data sufficiency, coding‑decoding.
3. Quantitative Aptitude (25 questions, 25 marks) – topics: arithmetic (percentage, profit & loss, time & work, speed, ratio), algebra, geometry, data interpretation, number series.
4. Professional Knowledge (75 questions, 75 marks) – topics: banking fundamentals, credit appraisal, financial statements, RBI policies, risk management, loan products, financial markets, accounting basics, corporate governance, and current affairs related to banking.
All sections are bilingual (English & Hindi) except the English Language section, which is only in English.

Exam Pattern

The exam is a computer‑based objective test held online. Total questions: 150 (English 25, Reasoning 25, Quantitative Aptitude 25, Professional Knowledge 75). Total marks: 150. Duration: 120 minutes. Negative marking: 0.25 marks deducted for each wrong answer. No penalty for unanswered questions. The English section is qualifying only; its marks are not counted towards the final merit. The remaining three sections (Reasoning, Quantitative Aptitude, Professional Knowledge) together contribute 70% of the final merit.

Selection Process

1. Scrutiny & Shortlisting – Applications are verified for eligibility based on uploaded documents.
2. Online Examination – Objective test as per the pattern described above. Candidates must secure minimum qualifying marks (35% in each section for General/EWS; 5% relaxation for reserved categories).
3. Interview – Personal interview of 100 marks. Minimum qualifying marks: 50% for General/EWS and 45% for reserved categories.
4. Final Merit – If both exam and interview are conducted, the final score is calculated on a 70:30 ratio (exam : interview). If the exam is not held, selection is based solely on interview scores.
5. Document Verification – After final selection, candidates must submit original documents for verification before appointment.

Job Profile

Credit Officers in Bank of India are responsible for:
- Assessing loan applications and conducting credit appraisal.
- Analyzing financial statements, cash flow, and repayment capacity of borrowers.
- Preparing credit proposals and recommending loan sanctions.
- Monitoring and managing the loan portfolio to minimize defaults.
- Ensuring compliance with RBI guidelines, bank policies, and regulatory norms.
- Interacting with corporate and retail clients to understand their financing needs.
- Preparing periodic reports on credit risk and portfolio performance.
- Participating in recovery actions and restructuring of stressed assets when required.
- Contributing to business development by identifying new lending opportunities.

Important Instructions

1. Read the entire notification PDF carefully before starting the application.
2. Ensure that all details entered in the online form match the documents you upload.
3. Upload clear, scanned copies of all required certificates in PDF format (maximum size 200 KB each).
4. Pay the application fee within the stipulated dates; fee payment is non‑refundable.
5. Keep a copy of the confirmation page and the payment receipt for future reference.
6. Do not use any third‑party agencies for the application; the bank will not charge any extra fees.
7. Candidates must appear for the online test at the scheduled time; any technical issues should be reported immediately to the helpdesk.
8. In case of any discrepancy in the merit list, candidates can raise a grievance within 15 days of the announcement.

Documents Required

1. Recent passport‑size photograph (JPEG, 3.5 × 4.5 cm).
2. Scanned signature (JPEG).
3. Age proof (Birth certificate, School/College mark sheet, or Passport).
4. Graduation degree certificate and mark sheet.
5. Experience certificates (if applying under experience criteria).
6. Category certificate (SC/ST/OBC/EWS) – original and self‑declaration.
7. PwBD certificate (if applicable).
8. Ex‑servicemen certificate (if applicable).
9. Any other document mentioned in Annexure‑I of the notification.

How to Apply

Step 1: Visit the official recruitment portal – https://www.bankofindia.bank.in.
Step 2: Click on ‘Credit Officer Recruitment 2025‑26’ and read the notification.
Step 3: Register by providing your email ID and mobile number to receive a login ID and password.
Step 4: Log in using the credentials and fill in personal, educational and experience details.
Step 5: Upload scanned copies of photograph, signature and all required documents in the prescribed format.
Step 6: Review the entered information carefully; any mistake may lead to disqualification.
Step 7: Pay the application fee (Rs. 850 for General/OBC/EWS, Rs. 175 for SC/ST/PwBD) through the online payment gateway (credit/debit card, net banking, UPI).
Step 8: After successful payment, submit the application and download the confirmation page for your records.
Step 9: Keep checking the official website for updates on admit card, exam schedule and result.

Eligibility Summary

• Indian nationality. • Age: 25‑35 years (MMGS‑II), 28‑38 years (MMGS‑III), 30‑40 years (SMGS‑IV) with relaxations for reserved categories. • Graduation in any discipline with minimum 55% marks (60% for General, 5% relaxation for reserved). • Relevant banking/finance experience as per Annexure‑I for each scale.

Fee Refund Policy

The application fee is non‑refundable under any circumstances, including withdrawal of candidature or disqualification.