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ABOUT EXAM
Bank of India (BOI) is a leading public sector bank in India that is going to conduct recruitment exams for Credit Officer in General Banking stream & IT Officer in Specialist stream. This is a prestigious entry-level job in the banking sector and a golden job opportunity for many individuals aspiring for a career in the banking sector. The BOI PO post offers a challenging yet rewarding career, with great career growth opportunities and attractive compensation packages.
Moreover, the above-mentioned posts at the Bank of India provide great career growth opportunities, with the potential to rise up the ranks and become a Senior Manager or even a General Manager in the future. Additionally, officers at BOI are eligible for various perks and benefits, including health insurance, retirement benefits, and other allowances.
Moreover, the above-mentioned posts at the Bank of India provide great career growth opportunities, with the potential to rise up the ranks and become a Senior Manager or even a General Manager in the future. Additionally, officers at BOI are eligible for various perks and benefits, including health insurance, retirement benefits, and other allowances.
Overview
Having an overview of a competitive exam is essential before applying for any post because it helps the candidates to understand the exam's format, vacancies, eligibility criteria, and selection process. By having an overview of the exam, the candidate can develop a study plan accordingly. Here’s a broad overview of this exam:
| Name of Recruitment | Probationary Officers in JMGS-I |
| Exam conducting Authority | Bank of India |
| Name of the post |
Credit Officer in General Banking stream IT Officer in Specialist stream |
| Total Vacancies | 514 vacancies |
| Mode of Application | Online |
| Mode of exam | CBT |
| Selection procedure | Online Test, GD, and Interview |
| Official website | https://bankofindia.co.in |
Important dates
It is crucial to know the important dates for any competitive exam, such as the last date to apply, registration dates, exam dates, and result dates, because it helps the candidate to plan and prepare for the exam effectively. Knowing the important dates enables the candidate to apply for the exam before the last date and avoid any last-minute rush or inconvenience. It also ensures that the candidate has sufficient time to prepare for the exam and complete the registration process. Furthermore, missing any important date can result in the candidate's disqualification, leading to a loss of time, effort, and money. Therefore, it is essential to keep track of the important dates for any competitive exam and plan and prepare accordingly.
You can go through the following table to understand the important dates for this exam:
| Activity | Dates |
| Submission of online application commencing from | 20 December 2025 |
| Last date for submission of online application | 5 January 2026 |
| Last date for the payment of the Application fee | 5 January 2026 |
| Relevant date for Age and Qualification | 1 November 2025 |
| Tentative Date of Online Examination | To be announced |
Eligibility Criteria
It is essential to check the eligibility criteria before applying for any post in competitive exams because it helps the candidates to determine their eligibility and avoid wastage of time and effort. Eligibility criteria are the set of rules and regulations that a candidate must fulfill to be eligible for a particular post in a competitive exam. It includes educational qualifications, age limit, nationality, work experience, and other specific requirements. By checking the eligibility criteria, the candidate can ensure that they fulfill all the necessary requirements before applying for the post. This helps in avoiding disappointment later in the selection process, as the candidate may get disqualified for not meeting the eligibility criteria. Furthermore, applying for a post for which the candidate is not eligible is a waste of time, effort, and money.
Therefore, to save time and increase the chances of success in the selection process, it is essential to carefully read the eligibility criteria before applying for any post. Here, we have discussed the eligibility criteria for the post of credit officer and IT officer in detail.
Education Qualifications
Candidates, intending to apply for the above post should ensure that they fulfill the minimum eligibility criteria specified by Bank for the respective post. All the educational qualifications mentioned should be from a University/ Institution/ Board recognized by Govt. Of India/ approved by Govt. Regulatory Bodies and the final result should have been declared on or before 2025.
1. Credit Officers As GBO – JMGS-I
A Degree (Graduation) in any discipline from a University recognized by the Govt. Of India or any equivalent qualification recognized as such by the Central Government.
The candidate must possess a valid Mark-sheet / Degree Certificate that he/ she is a graduate on the day he/she registers and indicate the percentage of marks obtained in Graduation while registering online.
The candidate must possess a valid Mark-sheet / Degree Certificate that he/ she is a graduate on the day he/she registers and indicate the percentage of marks obtained in Graduation while registering online.
2. IT Officer As Specialist in JMGS-I
- 4-year Engineering/ Technology Degree in Computer Science/ Computer Applications/ Information Technology/ Electronics/ Electronics & Telecommunications/ Electronics & Communication/ Electronics & Instrumentation OR
- A graduate degree in any discipline AND Post Graduate Degree in Electronics/ Electronics & Tele Communication/ Electronics & Communication/ Electronics & Instrumentation/ Computer Science/ Information Technology/ Computer Applications OR
- A Graduate degree in any discipline AND having passed DOEACC ‘B’ level.
- Candidates who were holding a similar post in Bank of India in the past are not eligible, hence need not apply.
- The candidates can apply only for one post.
- Candidates ready to work anywhere in India should apply.
Age Limit (As on 2025)
The Age-limit to apply for the:
An unreserved category student applying for the post of Credit Officers As GBO – JMGS-I should not be below 20 years or above 29 years.
Similarly for the post of IT Officer As Specialist in JMGS-I, an unreserved category student should not be below 20 years or above 29 years.
According to the official notification, relaxations in the upper age limit for different categories other than UR shall be as under:
An unreserved category student applying for the post of Credit Officers As GBO – JMGS-I should not be below 20 years or above 29 years.
Similarly for the post of IT Officer As Specialist in JMGS-I, an unreserved category student should not be below 20 years or above 29 years.
According to the official notification, relaxations in the upper age limit for different categories other than UR shall be as under:
| Category | Relaxation |
| Scheduled Caste/Scheduled Tribe | 5 Years |
| Other Backward Classes (Non-creamy layer) | 3 Years |
| Persons With Benchmark Disabilities | 10 Years |
| Ex-Servicemen & Commissioned Officers | 5 Years |
| Persons affected by the 1984 riots | 5 Years |
Nationality / Citizenship:
A candidate must be either –
i. A Citizen of India or
ii. A subject of Nepal or
iii. A subject of Bhutan or
iv. A Tibetan Refugee who came over to India before 1st January 1962 with the intention of permanently settling in India or
v. A person of Indian origin who has migrated from Pakistan, Burma, Sri Lanka, East African countries of Kenya, Uganda, the United Republic of Tanzania (formerly Tanganyika and Zanzibar), Zambia, Malawi, Zaire, Ethiopia, and Vietnam intending to permanently settle in India, provided that a candidate belonging to categories (ii), (iii), (iv) & (v) above shall be a person in whose favour a certificate of eligibility has been issued by the Government of India.
Application Fee
Candidates will have to make the payment of Application Fees/Intimation Charges through the On-Line Mode. As per the official notification released by BOI, Bank Transaction charges for Online Payment of application fees/intimation charges will have to be borne by the candidate.
| Category | Fees (Non-refundable) |
| GENERAL/ EWS/ OBC candidate | 850/- |
| SC/ST/PWD candidates | 175/- |
Vacancies
| Name of the Post | Stream | Scale | Category-wise distribution of vacancies to be declared | |||||
| SC | ST | OBC | EWS | GEN | Total | |||
| Credit Officer in General Banking stream | GBO | JMGS-I | 53 | 30 | 97 | 35 | 135 | 350 |
| IT Officer in Specialist stream | SPL | JMGS-I | 23 | 10 | 41 | 13 | 63 | 150 |
| Total | 76 | 40 | 138 | 48 | 198 | 500 | ||
Pay Scale
As per the official notification, the selected candidates shall be eligible to receive the following pay:
| Scale | Scale of Pay |
| Junior Management Grade Scale – I (JMGS I) | 36000-1490/7-46430-1740/2-49910-1990/7-63840 |
EXAM PATTERN
Examination Pattern
Selection of the Credit Officer in the General Banking stream & IT Officer in the Specialist stream will be done through an Online test, GD, and Personal Interview.
The final selection of the candidates will be based on the marks obtained by the candidates in Online Examination, Personal Interview, and Group discussion. The final list will be prepared in descending order for the respective categories i.e. SC/ST/OBC/EWS/GEN.
Stage I: Online Test
An online test will be conducted at the first stage of the selection process.
The final selection of the candidates will be based on the marks obtained by the candidates in Online Examination, Personal Interview, and Group discussion. The final list will be prepared in descending order for the respective categories i.e. SC/ST/OBC/EWS/GEN.
Stage I: Online Test
An online test will be conducted at the first stage of the selection process.
- Each section except the Test of English Language and English Descriptive paper will be available bilingually, i.e. English and Hindi.
- The test of English Language and English Descriptive Paper will be of qualifying nature i.e. Marks obtained in English Language and English Descriptive Paper will not be added while preparing the merit List.
- Minimum qualifying marks will be 40% for the General/EWS category & 35% for the candidates belonging to the Category SC/ST/OBC/PWD.
- There will be a penalty of one-fourth of the marks assigned to that question for wrong answers marked in the Objective Tests.
- You can attempt pattern-based tests at Smartkeeda to familiarise yourself well with the exam pattern.
| S. No | Name of the Test | No of Questions | Maximum Marks | Duration |
| 1. | English Language | 35 | 40 | 40 minutes |
| 2. | Reasoning & Computer Aptitude | 45 | 60 | 60 minutes |
| 3. | General/ Economy/ Banking Awareness | 40 | 40 | 35 minutes |
| 4. | Data Analysis & Interpretation | 35 | 60 | 45 minutes |
| English Descriptive paper (Letter Writing & Essay) | 2 | 25 | 30 minutes |
Stage II: Personal Interview
The personal interview will be conducted at the second stage of the selection process, and the candidate's performance in the interview will play a crucial role in determining their selection for the job.
The personal interview will be conducted at the second stage of the selection process, and the candidate's performance in the interview will play a crucial role in determining their selection for the job.
- Bank will conduct personal interviews of all the candidates who qualify the online test.
- Total marks allotted for the Interview will be 60.
- Minimum qualifying marks will be 40% for General/EWS category candidates and 35% for SC/ST/OBC/PWD category candidates.
Stage III: Group Discussion
At this stage, a group of candidates will be given a topic to discuss, and their communication and interpersonal skills will be evaluated. The main objective of a group discussion is to assess the candidate's ability to communicate effectively, express their thoughts and opinions, and work collaboratively with others.
At this stage, a group of candidates will be given a topic to discuss, and their communication and interpersonal skills will be evaluated. The main objective of a group discussion is to assess the candidate's ability to communicate effectively, express their thoughts and opinions, and work collaboratively with others.
- Group Discussion will be conducted for the candidates selected through an online test at some selected centers.
- Total marks allotted for Group Discussion will be 40.
- Minimum qualifying marks will be 40% for General/EWS category candidates and 35% for SC/ST/OBC/PWD category candidates.
Admission for Post Graduate Diploma in Banking & Finance (PGDBF)
After the final selection of the candidates as above, they are to mandatorily pass the Diploma course (PGDBM) before getting inducted/ absorbed in the Bank.
Course Fee
The Fee for the above said PGDBF course of one year is Rs. 3,50,000/- + GST. The fee includes the in-person classroom and computer lab facilities, advanced library facilities, residential accommodation on sharing basis, all boarding facilities (breakfast, lunch, dinner), and shuttle transport for candidates between the hostel to the classroom training facility during the Classroom Training.
The selected candidates will have the option to pay the course fee from their own sources which can be made by the selected candidate as per the following schedule:
The selected candidates will have the option to pay the course fee from their own sources which can be made by the selected candidate as per the following schedule:
| 1. | On or before the commencement of the Training Program for the respective Batch Tentatively training programme will start in 1st week of April 2025 | Rs.1,20,000/- + GST |
| 2. | On or before the commencement of 2 nd trimester for a particular Batch of the Training Program | Rs.1,20,000/- + GST |
| 3. | On or before the commencement of 3rd trimester for a particular Batch of the Training Program | Rs.1,10,000/- + GST |
Reimbursement of Course Fee
After the successful completion of 5 years of service in the Bank as a regular employee, Bank will reimburse the total course fee to the candidates.
Agreement /Security Bond
The selected candidates at the time of joining the course have to execute an Agreement to serve the Bank for a minimum period of three (3) years of service.
Course Curriculum
The course period of the above said PGDBF course would be one year and will be divided into four trimesters with assessment at the end of each trimester. Out of total four trimester, the first three trimesters will be of on-campus and the last trimester will be on-the-job training at Bank’s own Branches/Offices.
Emoluments/Stipend during the course period
During the first three trimesters i.e. Training period at the institute, a stipend of Rs.2500/- per month, and during the last trimester, a stipend of Rs.15,000/-per month will be paid to the candidate.
After the successful completion of 5 years of service in the Bank as a regular employee, Bank will reimburse the total course fee to the candidates.
Agreement /Security Bond
The selected candidates at the time of joining the course have to execute an Agreement to serve the Bank for a minimum period of three (3) years of service.
Course Curriculum
The course period of the above said PGDBF course would be one year and will be divided into four trimesters with assessment at the end of each trimester. Out of total four trimester, the first three trimesters will be of on-campus and the last trimester will be on-the-job training at Bank’s own Branches/Offices.
Emoluments/Stipend during the course period
During the first three trimesters i.e. Training period at the institute, a stipend of Rs.2500/- per month, and during the last trimester, a stipend of Rs.15,000/-per month will be paid to the candidate.
EXAMINATION CENTERS
As per the official notification released by BOI, the candidates will have to appear for the examination at an Examination Centre at their own risk and expense and Bank will not be responsible for any injury or losses, etc. of any nature. The examination will be conducted online at the following centers.
| State | City |
| Gujarat | Ahmedabad-Gandhinagar, Rajkot, Surat, Vadodara |
| Karnataka | Bengaluru, Hubli-Dharwad, Mysuru (Mysore), Belagavi(Belgaum) |
| Madhya-Pradesh | Bhopal, Indore, Ujjain, Jabalpur |
| Odisha | Bhubaneswar, Cuttack, Rourkela |
| Chandigarh | Chandigarh-Mohali |
| Tamil Nadu | Chennai, Coimbatore, Erode, Madurai, Nagercoil, Salem |
| Uttrakhand | Dehradun, Haldwani, Roorkee |
| Delhi | Delhi/New Delhi/ Delhi NCR |
| Telangana | Hyderabad, Karimnagar, Khammam, Waranga |
| Rajasthan | Jaipur, Udaipur, Jodhpur |
| Jammu & Kashmir | Jammu, Samba |
| West Bengal | Kolkata, Siliguri, Durgapur, Kalyani |
| Uttar Pradesh | Lucknow, Kanpur, Varanasi, Gorakhpur |
| Maharashtra | Mumbai/Navi Mumbai/Thane/MMR, Pune, Aurangabad, Nagpur |
| Goa | Panaji, Madgaon, Mapusa |
| Bihar | Patna, Bhagalpur, Muzaffarpur, Purnea |
| Chhattisgarh | Raipur, Bhilai Nagar |
| Jharkhand | Ranchi, Jamshedpur, |
| Himachal Pradesh | Bilaspur, Solan |
| Kerela | Thiruvananthapuram, Ernakulam, Thrissur, Kozhikode |
FAQs
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Here are answers to the most commonly asked ones
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