Bank of India Credit Officer Syllabus 2025, Check Exam Pattern

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Published on 17 December 2025 by
Bank of India Credit Officer Syllabus

The Bank of India Credit Officer recruitment evaluates candidates on general aptitude and professional knowledge required for credit-focused banking roles. The BOI Credit Officer Syllabus is divided into four sections: English Language, Reasoning Ability, Quantitative Aptitude, and Professional Knowledge. Among these, professional knowledge carries the maximum marks and is critical for shortlisting. A clear understanding of the syllabus and exam pattern helps candidates prioritize preparation and focus on high-weightage areas.

What is the Bank of India Credit Officer Exam Pattern?

The Bank of India Credit Officer Exam is conducted in online mode with objective-type questions. The exam follows a composite time pattern, meaning there is no sectional time limit.

  • The paper consists of 150 questions carrying 150 marks
  • A total duration of 120 minutes.
  • There will be a penalty for wrong answers marked in the objective tests of 1/4th mark.
SectionNumber of QuestionsMaximum Marks
English Language2525
Reasoning Ability2525
Quantitative Aptitude2525
Professional Knowledge7575
Total150150

What is the syllabus for Bank of India Credit Officer?

The Bank of India Credit Officer Syllabus is structured to assess both aptitude and domain expertise required for handling credit portfolios. It covers core banking skills along with in-depth credit and financial knowledge. The syllabus includes:

  • English Language
  • Reasoning Ability
  • Quantitative Aptitude
  • Professional Knowledge related to credit operations

What is the English language syllabus for BOI credit officers?

The English Language section evaluates comprehension, grammar, and vocabulary skills required for professional communication in banking roles. Questions are generally moderate and accuracy-focused. Topics included are

  • Reading Comprehension (banking, economy, business passages)
  • Cloze Test
  • Error Spotting
  • Sentence Correction
  • Fill in the Blanks
  • Para Jumbles
  • Sentence Improvement
  • Vocabulary (synonyms, antonyms, idioms, word usage)

What is the reasoning ability syllabus for Bank of India credit officers?

This section tests logical thinking, analytical ability, and problem-solving skills. Questions are largely puzzle-based and require conceptual clarity. Topics included are:

  • Seating Arrangement (linear, circular, square)
  • Puzzles (floor, box, scheduling-based)
  • Syllogism
  • Inequality
  • Coding–Decoding
  • Blood Relations
  • Direction Sense
  • Order and Ranking
  • Input–Output
  • Logical Reasoning (statement–assumption, cause–effect, inference)

What is the quantitative aptitude syllabus for BOI credit officers?

The Quantitative Aptitude section assesses numerical ability, calculation speed, and accuracy, which are essential for credit evaluation and financial analysis. Topics included are

  • Simplification and Approximation
  • Number Series
  • Quadratic Equations
  • Data Interpretation (table, bar graph, line graph, pie chart, caselet)
  • Percentage
  • Ratio and Proportion
  • Profit and Loss
  • Simple and Compound Interest
  • Time and Work
  • Time, Speed and Distance
  • Mixtures and Allegations
  • Averages
  • Partnership
  • Number System basics (LCM, HCF, divisibility)

What is the professional knowledge syllabus for Bank of India credit officers?

The Professional Knowledge section is the most important part of the BOI Credit Officer Syllabus and carries the highest weightage.

AreaTopics Covered
Banking SystemIndian banking structure, RBI functions, commercial banks, NBFCs
Credit AppraisalLoan lifecycle, credit assessment process, fund-based and non-fund-based limits
Types of LendingRetail, MSME, corporate, agriculture loans
Financial AnalysisBalance sheet analysis, P&L interpretation, cash flow, ratio analysis
Working Capital & ProjectsMPBF, turnover method, project appraisal, DSCR
Risk ManagementCredit risk, market risk, operational risk, Basel norms
Asset QualityNPA classification, SMA, provisioning, restructuring
Recovery LawsSARFAESI Act, recovery mechanisms
Priority SectorPSL guidelines, MSME classification, government schemes
ComplianceKYC, AML, RBI lending and exposure norms

How should candidates prepare using the Bank of India Credit Officer Syllabus?

Candidates should give maximum focus to the Professional Knowledge section while maintaining regular practice in English, reasoning, and quantitative aptitude. Understanding real-world credit cases and RBI regulations is crucial.

Consistent revision, mock tests, and syllabus-aligned preparation will help candidates improve accuracy, confidence, and overall performance.

FAQs

Q1: What is the Bank of India Credit Officer Syllabus?
A1: The Bank of India Credit Officer Syllabus includes English Language, Reasoning Ability, Quantitative Aptitude, and Professional Knowledge related to banking and credit operations.

Q2: Which section has the highest weightage in the BOI Credit Officer exam?
A2: The Professional Knowledge section carries the highest weightage with 75 marks and plays a key role in shortlisting candidates.

Q3: Is there sectional timing in the Bank of India Credit Officer exam?
A3: No, the exam follows a composite time structure with a total duration of 120 minutes and no sectional time limits.

Q4: What type of questions are asked in the BOI Credit Officer exam?
A4: All questions are objective in nature and cover aptitude-based as well as credit and banking-related professional topics.

Q5: How should I prepare for the Professional Knowledge section?
A5: Focus on credit appraisal, financial statement analysis, RBI guidelines, risk management, and practical banking concepts through regular revision and mock tests.