Bank of India Credit Officer Syllabus 2026 With Exam Pattern and Selection Process

Everyone wants to crack the Bank of India Credit Officer exam at first attempt with good marks. But this is not as easy as we think. To crack the Credit Officer exam for the first time, you need to know the most important strategies and have good study materials. Syllabus and exam pattern plays the vital role in cracking this exam in first attempt.

The Bank of India has released the official syllabus and exam pattern so that candidates can buy the best books and other study materials and make proper preparation schedules. As per the official notice, this exam will be conducted online at first time. After that, you need to attend the interview and other things.

Check: Bank of India Credit Officer Exam Centre 2026 List Out

Bank of India Credit Officer Syllabus 2026

Candidates must read this article properly because we have added each point of this exam subject-wise. Aspirants must read every point of the subject, like reasoning, mathematics, English and Current Affairs, etc. In this, one thing is that 75 multiple-choice questions based on the field. Candidates can scroll down to know the marking scheme, questions, difficulty, topics, and total questions.

Conducting Body	Bank of India (BOI)
Post Name	Credit Officer
Vacancy	514
Total Questions	150
Total Marks	150
Duration	2 hours
Marking Scheme	Correct Answer: 1 mark Incorrect Answer: 0 marks
Selection Process	Online Exam & Interview
Official website	https://bankofindia.co.in/

Bank of India Credit Officer Exam Pattern 2025

Exam pattern is a major thing for any kind of exam, such as this one. In the exam pattern, candidates can check the number of questions, Negative Marking, Total questions, Time Duration of the exam, Language of the exam, etc. A few points below must be known to everyone to crack this exam with good marks.

• Total question will be 150
• Total marks 150
• Negative Marking none
• Candidates will be shortlisted 1:3.
• Exam duration 2 hrs, No sectional timing
• 70% marks have to be scored from the written and 30% marks from the interview.

Sections	Questions	Marks	Duration
English Language	25	25	2 hours
Reasoning	25	25
Quantitative Aptitude	25	25
Professional Knowledge	75	75
Total	150	150

Bank of India Credit Officer Syllabus 2026 Subject-wise

We are going to provide the most important and relevant topics for everyone who is going to attend this exam. The one more thing is it hat n this exam, there is no minus marking. Aspirants can click on each question without any hesitation for the wrong question marking.

BOI Credit Officer English Language Syllabus

1. Fill in the Blanks (single & double)
2. Para Jumbles (logical sentence arrangement)
3. Sentence Improvement & Phrase Replacement
4. Vocabulary (synonyms, antonyms, idioms, word usage)
5. Tests reading, comprehension, grammar, and professional communication skills.
6. Reading Comprehension (banking, finance, economy, business passages)
7. Cloze Test (contextual understanding, vocabulary)
8. Error Spotting & Sentence Correction (grammar rules)

Bank of India Credit Officer Reasoning Ability Syllabus

1. Coding-Decoding (alphabet, numeric, symbolic)
2. Blood Relations (family-based problems)
3. Direction Sense & Distance
4. Order & Ranking
5. Input-Output (numbers & words)
6. Assesses logical thinking, analytical skills, and problem-solving ability.
7. Puzzles (floor, box, scheduling, comparison)
8. Seating Arrangements (linear, circular, square, rectangular)
9. Syllogism (traditional & coded)
10. Inequality (direct & coded)
11. Logical Reasoning (statement-assumption, cause-effect, inference)

Bank of India Credit Officer Quantitative Aptitude Syllabus

1. Number Series (missing, wrong, pattern-based)
2. Quadratic Equations
3. Data Interpretation (Tables, Line Graph, Bar Graph, Pie Chart, Caselet)
4. Arithmetic Word Problems:
5. Percentage
6. Ratio & Proportion
7. Profit & Loss
8. Simple & Compound Interest
9. Time & Work
10. Time, Speed & Distance
11. Mixtures & Allegations
12. Averages
13. Partnership
14. Tests numerical ability, calculation speed, and accuracy.
15. Simplification & Approximation
16. Number System basics (LCM, HCF, divisibility, etc.)

Professional Knowledge

a. Credit Management in Banks

1. Principles of Good Lending
2. Borrower Study and Banker’s Opinion
3. Prudential Norms & Credit Policies
4. Screening Applications & Credit Appraisal
5. Sanction Limits & Post-Sanction Compliance
6. Monitoring & Supervision
7. Government Policies & Regulations on Credit

b. Overview of Credit Policy and Loan Characteristics

1. Feasibility Study & Fundamental Credit Issues
2. Balance Sheet Analysis
3. Secured & Unsecured Advances
4. Credit Process & Loan Types
5. Evaluating Commercial Loan Requests
6. Financial Statement & Cash Flow Analysis
7. Short-Term & Long-Term Loans

c. Evaluating Consumer Loans

1. Credit Analysis & Risk-Return Analysis
2. Customer Profitability Analysis & Loan Pricing
3. Types of Consumer Loans
4. Fixed vs Floating Interest Rates

d. Loans and Advances Against Pledge

1. Advances Against Goods & Collateral
2. Hypothecation, Mortgage, Lien
3. Life Insurance Policies, FDRs, Stock Exchange Securities
4. Real Estate Loans

e. Agricultural Finance & Retail Lending

1. Crop Loans & Insurance Schemes
2. Dairy, Sericulture, Poultry, Animal Husbandry, Horticulture
3. Kisan Credit Cards, NABARD Initiatives, Lead Bank Schemes
4. Retail Banking Products & Consumer Credit Financing

f. NPA Management

1. Advances Against Goods & Collateral
2. Identification & Classification of NPAs
3. Prudential Norms & Capital Adequacy
4. Asset Classification & Provisioning
5. Wilful Defaulters, SARFAESI Act, Asset Reconstruction Companies
6. CIBIL & Credit Bureau Report