Bank of India Credit Officer 2026: Check the official exam pattern, 779 vacancies, eligibility, age limit, selection process, application fee & important dates for GBO stream recruitment.

Overview :

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.

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

Download Syllabus PDF :

 Click Here: Bank of India Credit Officer Syllabus 2026

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Bank of India Credit Officer Exam Pattern :

Test	Questions	Marks	Duration
English Language (Qualifying)	25	25	Composite 120 minutes
Professional Knowledge	100	100
Total	125	125

Bank of India Credit Officer Age Limit and Pay Scale :

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

Subject Wise Syllabus :

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

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