BOI Credit / IT Officer

Section Weightage & Trending

2023 Mock Tests


BOI Credit and IT Officer

Full Length
2023 Mock Tests

BOI Credit and IT Officer

Full Length
2023 Mock Tests

BOI Credit and IT Officer

Full Length
2023 Mock Tests

BOI Credit and IT Officer

Full Length
2023 Mock Tests

BOI Credit and IT Officer

Full Length
2023 Mock Tests


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.


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 500
Mode of Application Online
Mode of exam CBT
Selection procedure Online Test, GD, and Interview
Official website

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 11.02.2023
Last date for submission of online application 25.02.2023
Last date for the payment of the Application fee 25.02.2023
Relevant date for Age and Qualification 01.02.2023
Tentative Date of Online Examination 19.03.2023

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 01.02.2023.

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.

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 01.02.2023)

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:

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/-


Name of the Post Stream Scale Category-wise distribution of vacancies to be declared
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


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.
  • 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.
  • 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.
  • 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:

1. On or before the commencement of the Training Program for the respective Batch Tentatively training programme will start in 1st week of April 2023 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.


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

BOI Credit and IT Officer FAQs

BOI Credit/ IT Officer mock tests by Smartkeeda simulate the actual exam and provide candidates with an idea of the exam pattern, difficulty level, and types of questions asked in this exam.
Anyone who is preparing for the BOI Credit/ IT Officer or any other banking exam can take the BOI Credit/ IT Officer mock test series. It is especially useful for those who want to assess their preparation level and crack their exam on the first attempt.
5 mocks are included in the BOI Credit/ IT Officer prelims mock test series by Smartkeeda.
Yes! The BOI Credit/ IT Officer mock test series is bilingual (Hindi + English) and you can change the language any time by clicking on the language change option available at the upper right corner of the test window.
Yes, each mock test has a sectional as well as an overall time limit which is exactly similar to the actual BOI Credit/ IT Officer exam.
Yes, You can! However, we strongly recommend that you attempt the complete mock test in one go so that you can get familiar with the actual examination scenario. Nonetheless, if there is an emergency and you need to take a break, the option to pause and resume the mock test is available.
Yes! You can attempt the Smartkeeda BOI Credit/ IT Officer mock tests any number of times.
The mock test questions are designed to simulate the actual BOI Credit/ IT Officer exam questions. While the questions may not be the same, the mock tests cover the same topics and are of a similar difficulty level.
The BOI Credit/ IT Officer mock tests are available on the Smartkeeda website as well as the Smartkeeda mobile app. You can attempt the tests after registering with your email id and purchasing the plan.
Yes, Smartkeeda offers a free mock test for the BOI Credit/ IT Officer exam. You can attempt the free mock after registering on our website or app.
Performance tracking tool, "Smart Analysis" is available in the solution window where you can track your progress, identify your strengths and weaknesses, and focus on areas that require more attention.
Smartkeeda provides mock tests for BOI Credit/ IT Officer of varied difficulty levels including Exam pattern-based mocks, Memory Based mocks, Easy-level mocks, and Difficult-level mocks. You can choose to attempt the mock test that suits your level of preparation.
Yes, detailed solutions to all the questions in the BOI Credit/ IT Officer mock test series provided by Smartkeeda are provided after each mock test.
No, you cannot attempt the BOI Credit/ IT Officer mock tests offline. You will need an active internet connection to attempt the mock tests on the Smartkeeda platform.
Yes! You can raise your query by clicking on the "Ask a doubt" tab and we will get back to you within 24 hours with a proper solution to your query.
The price of the BOI Credit/ IT Officer mock test series provided by Smartkeeda may vary based on any ongoing discounts or offers. Kindly visit the Smartkeeda website for the latest pricing information.
Login to your account to generate results for this selection. Login

Live Mock Tests