Bank of India Credit Officer Syllabus 2026, Exam Pattern & Syllabus Topics

Bank of India Credit Officer Syllabus 2025 has been released for candidates preparing for the BOI Credit Officer Examination. A clear understanding of the syllabus and exam pattern helps candidates to plan their study timetable in an organized manner. Candidates can refer to the subject-wise topics and examination scheme explained in the article below.

Bank of India Credit Officer Syllabus & Exam Pattern 2026

Candidates must be well-versed in all the topics listed in the BOI Credit Officer Syllabus 2026 to prepare for the written exam. Candidates scroll down the article to know the marking scheme, exam pattern, total number of questions, and exam topics to plan their preparation in an organised way.

Bank Of India Credit Officer Recruitment 2025-26 Notification Out For 514 Vacancies-Click to Check

Bank of India Credit Officer Exam Pattern 2026

If both the online exam and interview are conducted, the online exam carries 70% weightage and the interview 30%. If only the interview is conducted, selection is based on interview marks. In the examination, there are four subjects: English Language, Reasoning, Quantitative Aptitude and Professional Knowledge (Post-related).

BOI Credit Officer Written Exam Pattern 2025

• There will be 150 questions asked in the exam
• 1/4 mark will be deducted for each incorrect answer.
• There is no negative marking
• Candidates qualifying the online examination will be shortlisted for the interview in a 1:3 ratio to vacancies.

Interview (100 marks)

The final merit for interview shortlisting will be based on marks in:

• Reasoning
• Quantitative Aptitude
• Professional Knowledge

Bank of India Credit Officer Syllabus 2026

BOI Credit Officer Syllabus consists of all the important topics that must be covered before the examination. To avoid wasting time on unimportant areas, referring to the Bank of India Credit Officer Syllabus is essential for the best preparation.

BOI Credit Officer Syllabus for English Language

• Error Detection
• Para Jumble
• Cloze Test
• Reading Comprehension
• Fillers
• Vocabulary-based Questions

General Awareness (with special reference to Banking)

• Priority Sector Lending (PSL)
• Regulatory Bodies: SEBI, NABARD, RBI
• Basel Norms
• Latest Bank Mergers & MOUs
• Important Committees
• Credit Rating Agencies
• National & International Current Affairs
• Important National & International Organizations and Their Headquarters
• Important Days and Their Themes
• Banking Reforms
• Latest Banking Acts and RBI Circulars
• SARFAESI Act
• Latest News on Non-Performing Assets (NPA)

Professional Knowledge

a. Credit Management in Banks

• Principles of Good Lending
• Borrower Study and Banker’s Opinion
• Prudential Norms & Credit Policies
• Screening Applications & Credit Appraisal
• Sanction Limits & Post-Sanction Compliance
• Monitoring & Supervision
• Government Policies & Regulations on Credit

b. Overview of Credit Policy and Loan Characteristics

• Feasibility Study & Fundamental Credit Issues
• Balance Sheet Analysis
• Secured & Unsecured Advances
• Credit Process & Loan Types
• Evaluating Commercial Loan Requests
• Financial Statement & Cash Flow Analysis
• Short-Term & Long-Term Loans

c. Evaluating Consumer Loans

• Credit Analysis & Risk-Return Analysis
• Customer Profitability Analysis & Loan Pricing
• Types of Consumer Loans
• Fixed vs Floating Interest Rates

d. Loans and Advances Against Pledge

• Advances Against Goods & Collateral
• Hypothecation, Mortgage, Lien
• Life Insurance Policies, FDRs, Stock Exchange Securities
• Real Estate Loans

e. Agricultural Finance & Retail Lending

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

f. NPA Management

• Advances Against Goods & Collateral
• Identification & Classification of NPAs
• Prudential Norms & Capital Adequacy
• Asset Classification & Provisioning
• Wilful Defaulters, SARFAESI Act, Asset Reconstruction Companies
• CIBIL & Credit Bureau Report