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Bank of India Credit Officer Syllabus 2026, Exam Pattern

The Bank of India Credit Officer Syllabus 2026 outlines an online test for 514 vacancies. It covers English, Reasoning, Quantitative Aptitude, and Professional Knowledge. The exam has 150 objective questions worth 150 marks, with a total duration of 120 minutes.
authorImageGoldi Tomar21 Dec, 2025
Bank of India Credit Officer Syllabus 2026

 

The Bank of India Credit Officer recruitment offers 514 vacancies, presenting a significant career opportunity in credit and lending. Understanding the latest Bank of India Credit Officer Syllabus 2026 and exam pattern is crucial for candidates. A structured approach to subjects, weightage, and marking schemes aids focused preparation. This article, provided by Physics Wallah, details the BOI Credit Officer syllabus 2026 and exam pattern, ensuring aspirants prepare with clarity. The selection process evaluates both aptitude and professional credit expertise.

Bank of India Credit Officer 2026 Overview

Bank of India has released the Credit Officer recruitment with a structured selection process. Candidates must understand the exam pattern and syllabus clearly to plan effective preparation and qualify the online examination.

Bank of India Credit Officer 2026 Overview

Particulars

Details

Organization

Bank of India (BOI)

Post Name

Credit Officer

Year

2026

Exam Mode

Online (CBT)

Selection Process

Online Exam + Interview

Exam Level

National

Job Location

Across India

Bank of India Credit Officer Exam Pattern 2026

The Bank of India Credit Officer examination assesses candidates through an online test comprising four main sections. It features a composite time structure designed to evaluate various skills relevant to the role. Understanding this pattern is key for strategic preparation.

Bank of India Credit Officer Exam Pattern 2026

Section

Number of Questions

Maximum Marks

Duration

 

English Language

25

25

  

Reasoning

25

25

  

Quantitative Aptitude

25

25

  

Professional Knowledge (Relevant to Post)

75

75

  

Total

150

150

2 hours

Bank of India Credit Officer Syllabus 2026

The Bank of India Credit Officer Syllabus 2026 is meticulously designed to assess both general aptitude and in-depth professional knowledge essential for credit functions. Candidates should review each section thoroughly to ensure comprehensive preparation.

English Language Syllabus

This section checks the candidate’s reading ability, grammar usage, and comprehension skills required for professional banking communication.

  • Reading Comprehension based on banking, finance, economy, and business-related passages.

  • Cloze Test focusing on contextual understanding and vocabulary usage.

  • Error Spotting and Sentence Correction based on grammar rules.

  • Fill in the Blanks (single and double) testing grammar and vocabulary.

  • Para Jumbles to assess sentence arrangement and logical flow.

  • Sentence Improvement and Phrase Replacement questions.

  • Vocabulary-based questions including synonyms, antonyms, word usage, and idioms.

Quantitative Aptitude Syllabus

This section assesses numerical ability, accuracy, and calculation speed essential for credit-related roles.

  • Simplification and Approximation.

  • Number Series (missing, wrong, pattern-based).

  • Quadratic Equations.

  • Data Interpretation:

  • Table-based

  • Line Graph

  • Bar Graph

  • Pie Chart

  • Caselet DI

  • Arithmetic Word Problems:

  • Percentage

  • Ratio & Proportion

  • Profit & Loss

  • Simple & Compound Interest

  • Time & Work

  • Time, Speed & Distance

  • Mixtures & Allegations

  • Averages

  • Partnership

  • Number System basics (LCM, HCF, divisibility)

Reasoning Ability Syllabus

This section checks logical thinking, analytical skills, and problem-solving ability.

  • Puzzles (floor-based, box-based, scheduling, comparison-based).

  • Seating Arrangement (linear, circular, square, rectangular).

  • Syllogism (traditional and coded).

  • Inequality (direct and coded).

  • Coding–Decoding (alphabet, numeric, symbolic).

  • Blood Relations (family-based problems).

  • Direction Sense and Distance problems.

  • Order & Ranking questions.

  • Input–Output based on number and word patterns.

  • Logical Reasoning (statement–assumption, cause–effect, inference).

Professional Knowledge of Credit Officer Syllabus

This is the most important section, carrying maximum weightage and deciding shortlisting.

Banking & Financial System

  • Structure of Indian banking system.

  • Functions of RBI, commercial banks, NBFCs.

  • Types of bank accounts and deposit products.

Credit Appraisal & Lending

  • Credit appraisal process and loan lifecycle.

  • Types of loans: retail, MSME, corporate, agriculture.

  • Fund-based and non-fund-based limits.

  • Security, collateral, and guarantees.

Financial Statement Analysis

  • Balance Sheet analysis.

  • Profit & Loss account interpretation.

  • Cash Flow and Fund Flow statements.

  • Ratio analysis (liquidity, profitability, leverage).

Working Capital & Project Finance

  • Working capital assessment methods (Turnover method, MPBF).

  • Project appraisal and viability analysis.

  • Break-even analysis and DSCR.

Risk Management

  • Credit risk, market risk, operational risk.

  • Basel norms and capital adequacy.

  • Risk mitigation techniques.

Asset Quality & Recovery

  • NPA classification and provisioning norms.

  • SMA categories and restructuring.

  • SARFAESI Act and recovery mechanisms.

Priority Sector & MSME Lending

  • Priority sector guidelines by the RBI.

  • MSME classification and financing schemes.

  • Government credit-linked schemes.

Regulatory & Compliance

  • RBI guidelines on lending and exposure norms.

  • KYC, AML, and compliance basics.

Bank of India Credit Officer Syllabus 2026 FAQs

How many questions are asked in the Bank of India Credit Officer exam?

The exam consists of 150 objective questions, each carrying one mark, making a total of 150 marks.

What is the total duration of the BOI Credit Officer exam?

Candidates are allotted a total of 120 minutes (2 hours) to complete the entire online test.

What are the main subjects covered in the BOI Credit Officer syllabus 2026?

The syllabus covers English Language, Reasoning, Quantitative Aptitude, and Professional Knowledge relevant to the Credit Officer post.

Which section carries the highest weightage in the Bank of India Credit Officer exam?

The Professional Knowledge section carries the highest weightage, with 75 questions and 75 marks.

Is there sectional timing in the Bank of India Credit Officer exam pattern?

No, the Bank of India Credit Officer exam follows a composite time structure, meaning there are no specific sectional time limits.
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