Bank of India (BOI) Credit Officer Eligibility Criteria

December 17, 2025 by Naquiya Nadeem

Bank of India Credit Officer Eligibility Criteria

To be eligible for the Bank of India Credit Officer recruitment, you need to fulfil certain BOI Credit Officer eligibility criteria. The Bank Of India Credit Officer eligibility includes Nationality, Educational Criteria, and Age limit criteria. The eligibility criteria will be taken into account from November 01, 2025. Let's check in detail the Bank of India Credit Officer qualifications as mentioned below.

Educational Criteria

To be eligible for the Bank of India Credit Officer recruitment, you need to have a bachelor’s degree (Graduate) in any discipline. Further details on BOI Credit Officer eligibility criteria --cy-- is given below.

Post	Educational Criteria
Credit Officer - GBO Stream (MMGS-II)	A Degree (Graduation) in any discipline from recognized a University/ Institute with 60% marks or equivalent grade (55% for SC/ ST/ OBC/ PWBD) recognized by the Govt. of India or any equivalent qualification recognized as such by the Central Government.
Credit Officer - GBO Stream (MMGS-III )	A Degree (Graduation) in any discipline from a University/ Institute with 60% marks or equivalent grade (55% for SC/ ST/ OBC/ PWBD) recognized by the Govt. of India or any equivalent qualification recognized as such by the Central Government.
Credit Officer - GBO Stream (SMG-IV )	A Degree (Graduation) in any discipline from a University/ Institute with 60% marks or equivalent grade (55% for SC/ ST/ OBC/ PWBD) recognized by the Govt. Of India or any equivalent qualification recognized as such by the Central Government AND MBA/ PGDBM from recognized University / Institution / Board OR Two Years full time Master’s degree in any field from recognized University / Institution / Board OR Chartered Accountant/ Chartered Financial Analyst /CMA - ICWA from recognized institute.

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Bank of India Credit Officer Eligibility Criteria

Note: You must note that 59.99% will not be considered as 60%, and 54.99% will not be considered as 55%.

Age Criteria

There are certain BOI Credit Officer 2026 eligibility criteria that need to be fulfilled by you. If you fail to fulfil these criteria, your candidature will be cancelled.

Bank Of India Credit Officer age limit is one such criterion where you need to make sure that you come under the prescribed age criteria. Details for the BOI Credit Officer age limit are given in the table below.

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

Upper age relaxation is given to you if you belong to the reserved category. This age relaxation further varies within the reserved category. If you are claiming age relaxation, you need to produce the valid documents as and when asked by the bank.

There is no reservation for ex-servicemen in the Officers Cadre. Also, candidates coming under the creamy layer are not entitled to any such concession in the BOI Credit Officer exam. To know about the Bank of India Credit Officer age relaxation in detail, refer to the table below.

Category	Age relaxation
SC/ ST	5 Years
OBC (Non-Creamy Layer)	3 Years
Persons With Benchmark Disabilities as defined under “The Rights of Persons with Disabilities Act, 2016”	10 years
Ex-Servicemen, Commissioned Officers including EmergencyCommissioned Officers (ECOs)/ Short Service CommissionedOfficers (SSCOs) who have rendered at least 5 years military service and have been released on completion of assignment (including those whose assignment is due to be completed within one year from the last date of receipt of application) otherwise than by way of dismissal or discharge on account of misconduct or inefficiency or physical disability attributable to military service or invalidment	5 years
Persons affected by 1984 riots	5 years