Job Description

Looking for a government banking job in 2026? Bank of India (BOI) has announced a major recruitment drive for 779 Credit Officer (General Banking Officer – GBO Stream) posts. This is an excellent opportunity for graduates who wish to build a career in one of India’s leading public sector banks.

Candidates from across India, both male and female, can apply online. The recruitment offers an attractive salary, career growth opportunities, and various government employee benefits.

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Job Overview

Particular	Details
Company Name	Bank of India (BOI)
Job Role	Credit Officer (General Banking Officer – GBO Stream)
Total Vacancies	779 Posts
Job Location	Across India
Salary	₹64,820 – ₹1,20,940 per month (Depending on Scale)
Qualification	Graduate with minimum 60% marks (Relaxation for reserved categories)
Experience	As per official notification
Job Type	Full-Time, Permanent Government Bank Job
Application Mode	Online

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Job Description

Bank of India has invited online applications for the recruitment of Credit Officers under the General Banking Officer (GBO) Stream. Selected candidates will be responsible for handling credit operations, loan processing, customer relationship management, risk assessment, and other banking-related activities.

This recruitment provides an excellent opportunity for graduates who want to work in India’s banking sector with competitive salaries, job security, promotion opportunities, and government benefits.

The vacancies are available under different management grades, allowing experienced candidates to apply according to their eligibility.

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About the Company

Bank of India (BOI) is one of India’s leading Public Sector Banks, established in 1906. The bank has a strong nationwide presence with thousands of branches and serves millions of customers across India and abroad.

Known for its reliable banking services, BOI offers excellent career opportunities, structured promotions, employee benefits, and professional development for its workforce.

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Vacancy Details

Scale	Vacancies
MMGS-II	677 Posts
MMGS-III	61 Posts
SMGS-IV	41 Posts
Total	779 Posts

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Eligibility Criteria

Educational Qualification

Applicants must possess:

• Graduation in any discipline.
• Minimum 60% marks for General/EWS candidates.
• Reserved category candidates (SC/ST/OBC/PwBD) receive 5% relaxation in minimum qualifying marks.
• Candidates should satisfy all eligibility conditions mentioned in the official notification.

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Age Limit (As on 01 June 2026)

Scale	Age Limit
MMGS-II	25 to 32 Years
MMGS-III	28 to 38 Years
SMGS-IV	32 to 45 Years

Age Relaxation

• SC/ST: 5 Years
• OBC (Non-Creamy Layer): 3 Years
• PwBD: 10 Years
• Other relaxations as per Government of India rules.

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Gender

• Male and Female candidates are eligible.

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Experience Required

Relevant professional experience may be required depending on the scale applied for. Candidates should refer to the official notification for detailed post-wise experience requirements.

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Job Responsibilities

Selected Credit Officers may be responsible for:

• Evaluating loan applications.
• Conducting credit risk analysis.
• Managing retail and corporate credit portfolios.
• Preparing financial reports.
• Ensuring compliance with banking regulations.
• Maintaining customer relationships.
• Processing loan documentation.
• Monitoring repayment performance.
• Coordinating with internal departments.
• Supporting branch business growth.

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Required Skills

Technical Skills

• Banking and finance knowledge
• Credit appraisal
• Loan documentation
• Financial analysis
• MS Office proficiency
• Report preparation
• Banking regulations awareness

Soft Skills

• Communication skills
• Analytical thinking
• Problem-solving ability
• Customer service orientation
• Teamwork
• Time management
• Decision-making
• Attention to detail

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Salary Details

Selected candidates will receive attractive salaries according to their grade.

Scale	Monthly Salary
MMGS-II	₹64,820 – ₹93,960
MMGS-III	₹85,920 – ₹1,05,280
SMGS-IV	₹1,02,300 – ₹1,20,940

Additional Benefits

Employees may also receive:

• Dearness Allowance (DA)
• House Rent Allowance (HRA)
• Medical Benefits
• Leave Benefits
• Provident Fund
• Pension Benefits
• Performance-based incentives (where applicable)
• Career promotion opportunities

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How to Apply

Follow these simple steps to apply online:

1. Visit the official Bank of India website.
2. Open the Careers section.
3. Click on Recruitment of Credit Officers in GBO Stream Project No. 2026-27/01.
4. Select Apply Online.
5. Register using your mobile number and email ID.
6. Log in with your registration credentials.
7. Fill in the online application form carefully.
8. Upload all required documents.
9. Verify all details before submission.
10. Pay the application fee online.
11. Submit the application.
12. Download and print the confirmation page for future reference.

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Required Documents

Candidates should keep the following documents ready before applying:

• Passport-size photograph
• Signature
• Left thumb impression
• Handwritten declaration
• Graduation mark sheets and certificates
• Identity proof (Aadhaar/PAN/Voter ID)
• Category certificate (if applicable)
• Experience certificate (if applicable)
• PwBD certificate (if applicable)

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Application Fee

Category	Fee
SC/ST/PwBD	₹175
General/OBC/EWS	₹850

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Selection Process

The recruitment process may include:

1. Online Examination

Subject	Questions	Marks
English Language	25	25
Professional Knowledge	100	100

• Total Duration: 120 Minutes
• Negative Marking: 0.25 mark for each incorrect answer.

2. Personal Interview

Candidates shortlisted in the online examination will be called for a personal interview.

Final Merit

The final merit list will generally be prepared based on:

• Online Examination: 70% Weightage
• Interview: 30% Weightage

If the number of applications is low, Bank of India may conduct direct interviews instead of an online examination.

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Important Dates

Event	Date
Online Application Starts	30 June 2026
Last Date to Apply	20 July 2026
Last Date for Fee Payment	20 July 2026

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Other Important Details

• Organization: Bank of India
• Recruitment Type: Government Bank Recruitment
• Employment Type: Permanent
• Work Location: Across India
• Working Hours: As per Bank of India norms
• Promotion Opportunities: Available
• Training: As per bank policy
• Job Security: High
• Posting: Anywhere in India based on organizational requirements

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Why You Should Apply

• Government banking job
• Attractive salary package
• Nationwide posting opportunities
• Excellent career growth
• Job security
• Employee benefits
• Professional work environment
• Promotion opportunities