Bank of India (BOI), one of India’s leading public sector banks, has officially released the Credit Officer Recruitment 2025 notification for 514 massive vacancies across multiple officer scales.
With a monthly salary up to ₹1,20,940, excellent allowances, and long-term career growth, this recruitment drive is set to attract thousands of aspirants from across the country. In this detailed article, we bring you complete information about eligibility, salary, selection process, exam pattern, application fee, and step-by-step online application process.
🏦 Bank of India Credit Officer Recruitment 2025 – Overview
The Bank of India (BOI) has invited online applications from eligible Indian citizens for the post of Credit Officer in MMGS-II, MMGS-III, and SMGS-IV scales.
🔍 Key Highlights
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Organization: Bank of India (BOI)
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Post Name: Credit Officer
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Total Vacancies: 514
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Job Type: Permanent Officer Post
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Application Mode: Online
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Job Location: Anywhere in India
📊 Vacancy Details (Scale-wise)
| Scale | Post Name | Vacancies |
|---|---|---|
| SMGS-IV | Credit Officer | 36 |
| MMGS-III | Credit Officer | 60 |
| MMGS-II | Credit Officer | 418 |
| Total | 514 |
⚠️ Note: Vacancies are provisional and may change as per Bank requirements.
💰 Salary Structure – Earn Up to ₹1.2 Lakh Per Month
One of the biggest attractions of this recruitment is the excellent pay scale offered by Bank of India.
💵 Pay Scale Details
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MMGS-II: ₹64,820 – ₹93,960 per month
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MMGS-III: ₹85,920 – ₹1,05,280 per month
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SMGS-IV: ₹1,02,300 – ₹1,20,940 per month
🎁 Additional Benefits
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DA, HRA/Lease Accommodation
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Medical benefits for self & family
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LTC, Pension & Gratuity
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Performance-based incentives
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Other perks as per BOI service rules
🎓 Educational Qualification
To apply for the BOI Credit Officer post, candidates must meet the following criteria:
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Graduate Degree from a recognized University
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Minimum 60% marks (55% for SC/ST/OBC/PWD candidates)
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CGPA/OGPA must be converted into percentage
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Fractional percentages will be ignored
✔️ Desirable Skills
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Experience in credit appraisal & credit operations
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Sound knowledge of banking rules and regulations
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Prior banking experience as per Annexure-I (mandatory for scale-wise eligibility)
🎂 Age Limit (As on 01-11-2025)
| Scale | Minimum Age | Maximum Age |
|---|---|---|
| MMGS-II | 25 Years | 35 Years |
| MMGS-III | 28 Years | 38 Years |
| SMGS-IV | 30 Years | 40 Years |
🧾 Age Relaxation
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SC/ST: 5 years
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OBC (NCL): 3 years
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PWD: 10 years
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Ex-Servicemen: 5 years
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1984 Riot Victims: 5 years
🧪 Selection Process – How You’ll Be Selected
The selection for BOI Credit Officer Recruitment 2025 will be based on:
🖥️ 1. Online Examination (If Conducted)
Exam Pattern:
| Section | Questions | Marks |
|---|---|---|
| English Language (Qualifying) | 25 | 25 |
| Reasoning | 25 | 25 |
| Quantitative Aptitude | 25 | 25 |
| Professional Knowledge | 75 | 75 |
| Total | 150 | 150 |
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Duration: 120 Minutes
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Negative Marking: ¼ mark for each wrong answer
Minimum Qualifying Marks
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General/EWS: 35%
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SC/ST/OBC/PWD: 30%
🧑💼 2. Personal Interview
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Called in 1:3 ratio to vacancies
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Maximum Marks: 100
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Qualifying Marks:
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General/EWS: 50%
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SC/ST/OBC/PWD: 45%
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🏆 Final Merit
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Online Exam: 70% weightage
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Interview: 30% weightage
💳 Application Fee
| Category | Fee |
|---|---|
| SC/ST/PWD | ₹175/- |
| General/Others | ₹850/- |
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Fee includes GST
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Payment Mode: Debit Card / Credit Card / UPI / Net Banking
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Fee is non-refundable
📅 Important Dates
| Event | Date |
|---|---|
| Online Application Start | 20 December 2025 |
| Last Date to Apply | 05 January 2026 |
| Fee Payment Last Date | 05 January 2026 |
| Exam Date | To be notified |
📝 How to Apply Online for BOI Credit Officer 2025
Follow these simple steps:
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Visit www.bankofindia.bank.in
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Go to CAREER → Recruitment of Credit Officers 2025
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Click on Apply Online
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Complete new registration
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Fill application form carefully
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Upload required documents (photo, signature, thumb impression, declaration)
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Pay application fee online
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Submit and take printout for future reference
📌 Apply early to avoid last-minute technical issues.
🔒 Security Deposit
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MMGS-II: ₹2,00,000
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MMGS-III & above: ₹3,00,000
(Refundable after 3 years of satisfactory service)
🚀 Why You Should Apply for BOI Credit Officer Recruitment 2025?
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Prestigious PSU bank job
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Attractive salary up to ₹1.2 lakh
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Long-term career stability
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Growth opportunities across India
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Perfect for experienced banking professionals
🔗 Important Links
- Apply Online: Click here
- Official Notification PDF: Click here
- Official Website: Click here
Join Telegram Channel – Click Here
Sarkari Result – Click Here
Age Calculator – Click Here
✅ Final Words
The Bank of India Credit Officer Recruitment 2025 is a golden opportunity for graduates and experienced banking professionals aiming for a secure, high-paying government bank job. With 514 vacancies, competitive pay, and nationwide exposure, this recruitment drive is expected to be highly competitive.
👉 Apply online before 05 January 2026 and take the next big step in your banking career!
