Bank of India has invited applications for 779 Credit Officer vacancies in the GBO stream through Notice 2026-27/01 dated 01.06.2026. While the official notification specifies the exam pattern, candidates preparing for the exam also need a clear, topic-wise syllabus to structure their study plan. This article covers both the official exam pattern and the commonly referenced subject-wise syllabus topics for Bank of India Credit Officer 2026.
Click Here: Bank of India Credit Officer Syllabus 2026
Bank of India Credit Officer Recruitment 2026: Quick Overview
Bank of India (Bank of India) has released Notice 2026-27/01 dated 01.06.2026 inviting online applications for the post of Credit Officer in the General Banking Officer (GBO) stream. Below is a summary of the key details candidates need to know before applying.
| Particulars | Details |
|---|---|
| Organisation | Bank of India (Head Office, Mumbai) |
| Post | Credit Officer (GBO Stream) |
| Total Vacancies | 779 (including 475 unfilled vacancies from the previous exercise, Project 2025-26/01) |
| Application Start Date | 30.06.2026 |
| Application End Date | 20.07.2026 |
| Relevant Date for Age & Qualification | 01.06.2026 |
| Mode of Exam | Online |
| Official Website | bankofindia. bankin |
Bank of India Credit Officer Vacancy Details (Scale-wise)
Vacancies are distributed across three officer scales - MMGS-II, MMGS-III, and SMGS-IV - with category-wise reservation as per government norms.
| Scale | SC | ST | OBC | EWS | GEN | Total |
|---|---|---|---|---|---|---|
| MMGS-II | 102 | 52 | 180 | 69 | 274 | 677 |
| MMGS-III | 10 | 5 | 16 | 8 | 22 | 61 |
| SMGS-IV | 6 | 2 | 9 | 3 | 21 | 41 |
| Total | 118 | 59 | 205 | 80 | 317 | 779 |
Bank of India Credit Officer Age Limit and Pay Scale
Age limits and pay scales vary depending on the officer grade being applied for, as reckoned on 01.06.2026.
| Scale | Min Age | Max Age | Pay Scale (Rs.) |
|---|---|---|---|
| MMGS-II | 25 | 32 | 64820 - 2340(1) - 67160 - 2680(10) - 93960 |
| MMGS-III | 28 | 38 | 85920 - 2680(5) - 99320 - 2980(2) - 105280 |
| SMGS-IV | 32 | 45 | 102300 - 2980(4) - 114220 - 3360(2) - 120940 |
Upper age relaxation is available for SC/ST (5 years), OBC non-creamy layer (3 years), Persons with Benchmark Disabilities (10 years), Ex-Servicemen with at least 5 years of military service (5 years), and persons affected by the 1984 riots (5 years).
Bank of India Credit Officer Application Fee 2026
Application fees differ by category and must be paid online between 30.06.2026 and 20.07.2026.
| Category | Fee (Inclusive of GST) |
|---|---|
| SC/ST/PWD | Rs. 175/- (Intimation charges only) |
| General & Others | Rs. 850/- (Application fee + Intimation charges) |
Bank of India Credit Officer Official Exam Pattern 2026
This section summarizes the verified exam structure as published in the official Bank of India notification.
| Test | Questions | Marks | Duration |
|---|---|---|---|
| English Language (Qualifying) | 25 | 25 | Composite 120 minutes |
| Professional Knowledge | 100 | 100 | |
| Total | 125 | 125 |
Important Note on Bank of India Credit Officer Syllabus 2026
This section explains what is officially confirmed by the Bank of India versus what is general guidance for exam preparation.
The official Bank of India notification (Notice 2026-27/01) confirms only the exam pattern: two tests, English Language (25 marks, qualifying only) and Professional Knowledge (100 marks), totaling 125 marks in a composite duration of 120 minutes. Bank of India has not released a separate topic-wise syllabus document. The detailed subject-wise topics listed below are based on the pattern typically followed in Bank of India and other Public Sector Bank Credit Officer exams, as compiled by banking exam preparation platforms. Candidates should treat these as general preparation guidance and always cross-check exam structure details against the official notification and information handout released closer to the exam date.
Bank of India Credit Officer Syllabus 2026: Subject-Wise Topics
This section lists the commonly referenced topics for each subject area based on standard Credit Officer exam preparation resources, since these are not part of the official Bank of India notification.
English Language Syllabus
The English Language section tests reading comprehension, grammar, and professional communication skills relevant to the banking sector.
- Reading Comprehension (often based on banking, finance, and economy-related passages)
- Cloze Test
- Error Spotting and Sentence Correction
- Fill in the Blanks (single and double)
- Para Jumbles
- Sentence Improvement / Phrase Replacement
- Vocabulary: Synonyms, Antonyms, Idioms
According to banking exam preparation resources, this section presents passages followed by questions on theme, inference, and vocabulary, along with grammar topics like error detection and sentence correction or improvement.
Professional Knowledge Syllabus (Credit-Related)
Professional Knowledge is the core, merit-deciding section for the Credit Officer post and focuses on credit appraisal, lending, and banking regulation concepts.
- Banking and Financial System: RBI functions, types of bank accounts, core banking concepts
- Credit Appraisal and Lending: loan types, appraisal process, security and collateral
- Financial Statement Analysis: balance sheet analysis, ratio analysis
- Working Capital and Project Finance: assessment methods, DSCR, project appraisal and viability analysis, break-even analysis
- Risk Management in Banking: credit risk, market risk, operational risk, Basel norms and capital adequacy, risk mitigation techniques
- Asset Quality and Recovery: NPA classification and provisioning norms, SMA categories and restructuring, SARFAESI Act and recovery mechanisms
- Priority Sector and MSME Lending: RBI priority sector guidelines, MSME classification, government credit-linked schemes
- Regulatory and Compliance: KYC, AML, RBI lending and exposure norms
- Credit Management Principles: borrower study, principles of good lending, credit policy
- Agricultural Finance and Retail Lending
Banking exam resources commonly describe this section as covering credit management, financial statement analysis, ratio analysis, working capital assessment, NPA management, risk management in banking, and banking laws such as the RBI Act, Banking Regulation Act, and SARFAESI Act. Other sources outline a similar structure, noting topics such as identification of NPAs, asset classification, prudential norms, capital adequacy, Basel norms, and recovery tools including the SARFAESI Act and Debt Recovery Tribunals.
Reasoning Ability (If Applicable)
Some Bank of India Credit Officer exam cycles have included a separate Reasoning Ability section; candidates should verify against the latest official notification whether this section applies to their exam cycle.
- Puzzles (floor-based, box-based, scheduling)
- Seating Arrangement (linear, circular)
- Syllogism
- Inequality
- Coding-Decoding
- Blood Relations
- Direction Sense
- Input-Output
- Logical Reasoning
Quantitative Aptitude (If Applicable)
Where included, the Quantitative Aptitude section measures numerical and data-handling skills relevant to financial and credit evaluation.
- Data Interpretation
- Arithmetic Problems (percentages, ratios, profit-loss, simple/compound interest)
- Number Series
- Simplification and Approximation
Preparation resources note that this section measures numerical skills and accuracy, which are considered useful for evaluating credit and financial data.
How to Use This Syllabus for Bank of India Credit Officer Preparation
This section offers practical guidance on prioritizing topics based on exam weightage.
- Prioritize Professional Knowledge, since it is the only section (apart from being part of merit calculation) whose marks count directly toward the merit list.
- Build strong fundamentals in credit appraisal, NPA management, and banking regulations such as the SARFAESI Act and RBI guidelines.
- Revise English Language regularly since a minimum qualifying score (35% for General/EWS, with 5% relaxation for SC/ST/OBC/PWD) is mandatory even though it doesn't count toward merit.
- Practice previous year question papers and mock tests to understand question patterns and difficulty level.
- Stay updated with recent RBI circulars and banking sector developments, since Professional Knowledge questions often reflect current regulatory changes.
