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Bank of India (BOI) Credit Officer Syllabus & Exam Pattern 2025

Bank of India (BOI) Credit Officer Syllabus & Exam Pattern 2025

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ONLINE EXAMINATION STRUCTURE

Composite Duration

120 Minutes (2 Hours)

Marks & Questions

150 Questions for a total of 150 Marks.

Penalty for Wrong Answers

0.25 marks deduction for each incorrect objective response.

Subject-wise Marks Distribution

Subject-wise Marks Distribution
SectionQuestionsMaximum MarksQualifying Status
English Language2525Qualifying Only
Reasoning Ability2525Added to Merit
Quantitative Aptitude2525Added to Merit
Professional Knowledge7575Major Merit Weightage

Scroll horizontally to view all columns. The first column stays fixed for easy reference.

DETAILED SYLLABUS: PROFESSIONAL KNOWLEDGE

Professional Knowledge5 Topics

PROFESSIONAL KNOWLEDGE

Master all topics for exam success

Safety
Liquidity
Profitability
Purpose of Loan
Diversification of Risk

Topics: Safety, Liquidity, Profitability, Purpose of Loan, Diversification of Risk.

Prudential Norms
Screening of Applications
Credit Appraisal techniques
Sanction Limits
Post-Sanction Compliance

Topics: Prudential Norms, Screening of Applications, Credit Appraisal techniques, Sanction Limits, and Post-Sanction Compliance.

Financial Statement & Cash Flow Analysis
Ratio Analysis (Current
Debt-Equity
DSCR)
Feasibility Studies

Topics: Financial Statement & Cash Flow Analysis, Ratio Analysis (Current, Debt-Equity, DSCR), and Feasibility Studies.

Identification and Classification of NPAs
Wilful Defaulters
SARFAESI Act
Asset Reconstruction Companies (ARCs)
CIBIL/Credit Bureau Reports

Topics: Identification and Classification of NPAs, Wilful Defaulters, SARFAESI Act, Asset Reconstruction Companies (ARCs), and CIBIL/Credit Bureau Reports.

Types of Consumer Loans
Fixed vs Floating Rates
Crop Insurance
Kisan Credit Cards
Lead Bank Schemes

Topics: Types of Consumer Loans, Fixed vs Floating Rates, Crop Insurance, Kisan Credit Cards, and Lead Bank Schemes.

Study Strategy

Focus on high-weightage topics first. Practice with previous year questions and take regular mock tests to track your progress.

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Topics
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Subtopics
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Coverage

DETAILED SYLLABUS: GENERAL APTITUDE

Aptitude Test3 Topics

GENERAL APTITUDE

Master all topics for exam success

Puzzles
Seating Arrangement (Circular/Linear)
Syllogism
Blood Relations
Coding-Decoding
Inequalities
Input-Output
Critical Reasoning

Topics: Puzzles, Seating Arrangement (Circular/Linear), Syllogism, Blood Relations, Coding-Decoding, Inequalities, Input-Output, and Critical Reasoning.

Data Interpretation (Bar/Line/Pie)
Number Series
Quadratic Equations
Simplification
Time & Work
Profit & Loss
Averages

Topics: Data Interpretation (Bar/Line/Pie), Number Series, Quadratic Equations, Simplification, Time & Work, Profit & Loss, and Averages.

Reading Comprehension
Error Spotting
Cloze Test
Para Jumbles
Vocabulary
Fill in the Blanks

Topics: Reading Comprehension, Error Spotting, Cloze Test, Para Jumbles, Vocabulary, and Fill in the Blanks.

Study Strategy

Focus on high-weightage topics first. Practice with previous year questions and take regular mock tests to track your progress.

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Topics
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Subtopics
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100%
Coverage

SELECTION PHASES

Step-by-Step3 Stages

Selection Process & Exam Pattern

Follow each step to complete your selection journey

1
Stage 1

Phase 1: Online Written Test

Objective test focusing on aptitude and core credit/banking knowledge.

Objective test focusing on aptitude and core credit/banking knowledge.

Next: Phase 2: Personal Interview
2
Stage 2

Phase 2: Personal Interview

Candidates are shortlisted in a 1:3 ratio. Minimum qualifying marks for General/EWS: 50%, Reserved: 45%.

  • Candidates are shortlisted in a 1:3 ratio. Minimum qualifying marks for General/EWS: 50%
  • Reserved: 45%.
Next: Final Merit List
3
Stage 3

Final Merit List

Prepared by combining Online Test and Interview marks (typically 70:30 weightage if both are conducted).

Prepared by combining Online Test and Interview marks (typically 70:30 weightage if both are conducted).

3
Stages
1
Exams
1
Interviews
Final
Selection

Preparation Tip

Focus on clearing each stage one at a time. Prepare specifically for each round by understanding its format and requirements.

OFFICIAL SYLLABUS LINKS

2 quick links available

BOI Official Recruitment Page

View Detailed Syllabus (Source)

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