Bank of India (BOI) has released the notification for 779 Credit Officer posts. Online application starts from 30 June 2026 and the last date to apply is 20 July 2026.
Bank of India (BOI)Bank of India Credit Officer Syllabus Details 2026ADVT NO – 2026-27/01 | Short Details of NotificationWWW.GOVFORMHUB.COM |
Exam Pattern
| Section | Questions | Marks |
|---|---|---|
| English Language | 25 | 25 |
| Professional Knowledge | 100 | 100 |
| Total | 125 | 125 |
- There is negative marking of 1/4 mark for each wrong answer.
- English Language is qualifying in nature.
- Professional Knowledge is the most important section.
Detailed Syllabus
A. English Language
| Topic | Key Areas |
|---|---|
| Reading Comprehension | Banking, finance, economy, and business-based passages |
| Cloze Test | Context-based vocabulary and grammar |
| Error Detection | Grammar rules and sentence correction |
| Sentence Improvement | Phrase replacement and sentence correction |
| Fill in the Blanks | Single and double blank questions |
| Para Jumbles | Sentence arrangement and logical flow |
| Vocabulary | Synonyms, antonyms, idioms, and word usage |
B. Professional Knowledge
| Topic | Key Areas |
|---|---|
| Credit Management | Principles of lending, borrower assessment, credit appraisal, sanction process |
| Credit Policy | Loan policy, prudential norms, RBI guidelines, post-sanction monitoring |
| Loan Evaluation | Feasibility study, balance sheet analysis, financial statement analysis |
| Loans and Advances | Secured and unsecured advances, short-term and long-term loans |
| Consumer Loans | Personal loans, housing loans, vehicle loans, customer profitability |
| Advances Against Security | Pledge, hypothecation, mortgage, lien, insurance policy, FDRs, securities |
| Agricultural Finance | Crop loans, Kisan Credit Card, NABARD, allied agricultural sectors |
| Retail Lending | Retail banking products and credit financing |
| NPA Management | NPA classification, provisioning, wilful defaulters, recovery process |
| Recovery Laws | SARFAESI Act, asset reconstruction, credit information systems |
| Credit Information | CIBIL, credit bureau reports, borrower credit profile |
Important Notes
| Point | Detail |
|---|---|
| Negative Marking | 0.25 mark deducted for each wrong answer |
| Highest Weightage | Professional Knowledge carries 100 out of 125 marks |
| Merit Formula | Final merit may be based on 70% online exam and 30% interview |
| Interview Stage | Candidates qualifying the exam are shortlisted for interview |
Preparation Strategy
- Focus mainly on Professional Knowledge because it carries the highest marks.
- Prepare credit management, loan appraisal, NPA management, and banking regulations properly.
- Practice English comprehension, grammar, and vocabulary regularly.
- Solve mock tests to improve speed and accuracy.
Important Links : Bank of India Credit Officer Recruitment 2026
| Apply Online | Click Here |
| Join GovFormhub Channel | Telegram | WhatsApp |
| Official Notification PDF | Download Here |
| Official Website | BOI |
Students Joined ! Free Updates For Recruitment / Syllabus / Admission / PYP – JOIN NOW
Short FAQ
| Item | Details |
|---|---|
| Exam Name | Bank of India Credit Officer Recruitment 2026 |
| Organisation | Bank of India |
| Post Name | Credit Officer |
| Exam Mode | Online Examination |
| Selection Process | Online Examination and Interview |
| Duration | 2 Hours |
| Total Questions | 125 |
| Total Marks | 125 |
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