Bank of Baroda C&IC Recruitment 2026 notification has been officially released for 86 positions across Credit Analyst and C&IC Relationship roles. The advertisement number BOB/HRM/REC/ADVT/2026/10 covers five distinct posts spanning three seniority grades, with vacancies distributed across SC, ST, OBC, EWS, and unreserved categories. Applications open on 16 June 2026 and must be submitted by 6 July 2026, with the online test date to be announced separately.
This recruitment is notable for its unique CIBIL score eligibility requirement – a minimum score of 680 at joining – which reflects the bank’s need for officers handling corporate credit decisions. With Senior Manager (Credit Analyst) alone accounting for 38 of the 86 vacancies, this represents the largest concentration within this band.
Bank of Baroda C&IC Recruitment – Quick Overview
| Particulars | Details |
|---|---|
| Organization | Bank of Baroda |
| Post Names | Manager, Senior Manager, Chief Manager (Credit Analyst & C&IC Relationship) |
| Total Vacancies | 86 |
| Advertisement Number | BOB/HRM/REC/ADVT/2026/10 |
| Application Mode | Online |
| Job Location | All India |
| Official Website | https://www.bankofbaroda.bank.in |
Important Dates
| Event | Date |
|---|---|
| Online Registration Opens | 16/06/2026 |
| Last Date for Application Submission & Fee Payment | 06/07/2026 |
| Online Test Date | To be announced separately |
Registration is complete only once the application fee is paid online on or before 6 July 2026. Candidates will be notified of the test date via their registered email and the bank’s website.
Eligibility Criteria
Candidates applying for Bank of Baroda C&IC Recruitment 2026 must meet a consistent educational standard across all posts, with age and work experience requirements that increase by grade and role.
Educational Qualification: Graduation in any discipline, combined with either a Post Graduate Degree or Diploma in Finance (or equivalent), OR a professional qualification such as CA, CMA, CS, or CFA. Only qualifications from institutions recognised by the Government of India or bodies like AICTE are accepted.
Nationality: Indian citizens are eligible. Nepali, Bhutanese, Tibetan refugee, and Indian-origin candidates from specified countries are also eligible, subject to an eligibility certificate from the Government of India, where applicable.
Posting Condition: Candidates must be willing to serve anywhere in India; the bank reserves the right to post selected officers to any branch or office at its discretion.
Age Limit
| Post | Age (Years) | Category |
|---|---|---|
| Manager – Credit Analyst | 25-30 | General/EWS/OBC |
| Senior Manager – Credit Analyst | 28-35 | General/EWS/OBC |
| Chief Manager – Credit Analyst | 32-42 | General/EWS/OBC |
| Senior Manager – C&IC Relationship | 28-35 | General/EWS/OBC |
| Chief Manager – C&IC Relationship | 32-42 | General/EWS/OBC |
Age is calculated as of 1 June 2026. Reserved category candidates (SC, ST, OBC, PwD, Ex-Servicemen) are eligible for age relaxation as detailed below.
Work Experience Requirements
| Post | Minimum Experience |
|---|---|
| Manager – Credit Analyst | 3 years in Credit, in any Public/Private/Foreign Bank or NBFC in India |
| Senior Manager – Credit Analyst | 6 years in Credit, in any Public/Private/Foreign Bank or Financial Institution in India |
| Chief Manager – Credit Analyst | 8 years in Banks/Financial Institutions, including 5 years in Credit Appraisal/Processing of Large/Mid Corporate Credit |
| Senior Manager – C&IC Relationship | 6 years in Banks/Financial Institutions, including 2 years handling MSME/Mid/Large Corporate Credit |
| Chief Manager – C&IC Relationship | 8 years in Banks/Financial Institutions, including 3 years handling MSME/Mid/Large Corporate Credit |
Work experience of less than 6 months in any organisation as on 1 June 2026 will not count toward eligibility unless it forms part of your current employment. Time spent in a clerical cadre role is not counted at all.
Age Relaxation for Reserved Categories
As per the official notification released by Bank of Baroda, reserved category candidates receive the following relaxation in the upper age limit:
| Category | Age Relaxation |
|---|---|
| SC / ST | 5 years |
| OBC (Non-Creamy Layer) | 3 years |
| Persons with Disability | 10 years (Gen/EWS), 13 years (OBC), 15 years (SC/ST) |
| Eligible Ex-Servicemen / Commissioned Officers | 5 years (Gen/EWS), 8 years (OBC), 10 years (SC/ST) |
SC and ST candidates receive a standard 5-year relaxation. OBC candidates not falling within the creamy layer receive 3 additional years. Persons with Benchmark Disabilities receive the most substantial relaxation, 10 to 15 years, depending on their category. Ex-servicemen are eligible for additional age relaxation only for the reserved category roster points where they qualify.
Is This Recruitment Right for You?
- You hold a graduation degree with a Post Graduate qualification in Finance or a professional qualification (CA, CMA, CS, CFA) and meet the work experience requirement for your chosen post.
- Your age falls within the specified range for your target post as calculated on 1 June 2026; if you belong to a reserved category, age relaxation applies.
- You have at least 3 years of documented work experience in banking or financial institutions, with at least 50% of that time in credit-related roles for Credit Analyst posts.
- You hold a valid CIBIL score of 680 or above and have no history of loan defaults or adverse credit reports that could disqualify you.
- You are willing to be posted anywhere in India and can commit to a 3-year service bond (or pay ₹5 lakh if you exit before the bond period).
Vacancy Breakdown – All 5 Posts
| Post | Grade/Scale | Vacancies |
|---|---|---|
| Manager – Credit Analyst | MMG/S-II | 4 |
| Senior Manager – Credit Analyst | MMG/S-III | 38 |
| Chief Manager – Credit Analyst | SMG/S-IV | 1 |
| Senior Manager – C&IC Relationship | MMG/S-III | 36 |
| Chief Manager – C&IC Relationship | SMG/S-IV | 7 |
The 86 total vacancies are divided into two distinct job families. Credit Analyst posts (43 vacancies) focus on appraising corporate credit proposals, while C&IC Relationship posts (43 vacancies) are client-facing roles centred on sourcing and managing corporate borrowers. Reservation is applied separately for each of the 5 posts.
Category-wise Vacancy Distribution
| Post | Vacancies | SC | ST | OBC | EWS | UR |
|---|---|---|---|---|---|---|
| Manager – Credit Analyst | 4 | – | 3 | – | 1 | – |
| Senior Manager – Credit Analyst | 38 | 12 | 7 | 4 | 10 | 5 |
| Chief Manager – Credit Analyst | 1 | – | – | – | 1 | – |
| Senior Manager – C&IC Relationship | 36 | 5 | 5 | 16 | 8 | 2 |
| Chief Manager – C&IC Relationship | 7 | – | 4 | 3 | – | – |
| Total | 86 | 17 | 19 | 23 | 20 | 7 |
Out of 86 vacancies, 69 carry category-based roster points while 17 remain unreserved (UR). OBC candidates falling within the creamy layer, or whose caste does not appear in the Central List, must apply as General and are ineligible for OBC reservation or age relaxation. EWS candidates must hold a valid Income and Asset Certificate. There is no reservation for ex-servicemen in the officers’ cadre for this recruitment.
About the Credit Analyst and C&IC Relationship Roles
Credit Analyst positions involve examining corporate credit proposals, conducting financial and business due diligence, assessing industry and counterparty risk, and ensuring compliance across large and mid-corporate accounts. These are predominantly desk-based roles that require strong analytical capability and knowledge of corporate lending practices.
C&IC Relationship positions are client-facing roles responsible for maintaining relationships with existing corporate borrowers, sourcing new-to-bank business, cross-selling ancillary products, and developing opportunity-driven account plans. These roles demand relationship management skills, business development acumen, and the ability to navigate complex corporate client ecosystems.
Both job families operate within Bank of Baroda’s corporate and institutional credit vertical. Officers in these grades serve as part of the management cadre, contributing to credit policy, risk assessment, and business strategy at the organizational level.
Pay Scale and Benefits
| Grade/Scale | Pay Scale (₹) | Maximum Basic Pay (₹) |
|---|---|---|
| MMG/S-II (Manager) | 64,820 to 93,960 | 93,960 |
| MMG/S-III (Senior Manager) | 85,920 to 1,05,280 | 1,05,280 |
| SMG/S-IV (Chief Manager) | 1,02,300 to 1,20,940 | 1,20,940 |
Pay follows the bipartite settlement scale used across the banking industry, with fixed annual increments up to the grade ceiling. Selected candidates also receive dearness allowance, house rent allowance (if applicable), and other perquisites as per the bank’s prevailing policies. The figures above represent basic pay; actual take-home salary will be higher once allowances are added.
CIBIL Score Requirement
Bank of Baroda C&IC Recruitment 2026 uniquely requires candidates to maintain a minimum CIBIL score of 680 at the time of joining. This eligibility condition reflects the nature of credit decision-making in these roles. Candidates with any history of loan default, credit card dues default, or adverse reports from CIBIL or other credit assessment agencies will be ineligible for appointment. The bank reserves the right to reject a candidate’s selection at any stage, including after joining, if their credit profile proves unsatisfactory.
Check your CIBIL score well in advance of the application deadline. Any eligibility issues flagged in your credit history can become grounds for rejection, regardless of your performance in the test or interview.
Probation Period and Service Bond
Selected candidates do not join permanently immediately. A 12-month probation period follows the date of joining, during which performance is evaluated. Additionally, candidates must commit to serving the bank for a minimum of 3 years from the joining date. If a candidate exits before completing this 3-year bond, they must pay ₹5 lakh to the bank. The exact bond terms will be confirmed in the offer letter and may be revised as per the bank’s prevailing policy.
Application Fee
| Category | Fee |
|---|---|
| General, EWS & OBC | ₹850 (inclusive of GST) + Payment Gateway Charges |
| SC, ST, PWD, ESM/DESM & Women | ₹175 (inclusive of GST) + Payment Gateway Charges |
The application fee is non-refundable even if the online test is not conducted or the candidate is not shortlisted for an interview. Payment must be made online on or before 6 July 2026.
Selection Process
Selection for Bank of Baroda C&IC Recruitment 2026 comprises the following stages:
| Stage | Details |
|---|---|
| Application Scrutiny | Preliminary verification of eligibility criteria |
| Online Test (if conducted) | 150 marks, 150 minutes, four sections as detailed below |
| Psychometric Assessment | Personality and aptitude evaluation (if conducted) |
| Group Discussion | Discussion and communication assessment (if conducted) |
| Personal Interview | 60% qualifying score for General; 55% for Reserved categories |
Online Test Pattern (Tentative)
If the written test is conducted, the format will be as follows:
| Section | Test | Questions | Marks | Duration |
|---|---|---|---|---|
| 1 | Reasoning | 25 | 25 | 75 minutes (combined for Sections 1-3) |
| 2 | English Language | 25 | 25 | |
| 3 | Quantitative Aptitude | 25 | 25 | |
| 4 | Professional Knowledge | 75 | 75 | 75 minutes |
| Total | 150 | 150 | 150 minutes |
Sections 1-3 (Reasoning, English Language, Quantitative Aptitude) are qualifying only and do not contribute to the final score. Candidates must secure at least 40% in each of these sections if they belong to the General/EWS category, or 35% if they belong to the Reserved categories, to proceed to the next stage. Section 4 (Professional Knowledge) carries 75 marks and is scored.
Reasoning, Quantitative Aptitude, and Professional Knowledge are available bilingually in English and Hindi. The English Language section is in English only. There is no negative marking anywhere in the test.
Personal Interview & Final Merit
Candidates who clear the online test (or are otherwise shortlisted by the bank) move to the personal interview stage, where the minimum qualifying score is 60% for General and EWS categories, and 55% for Reserved category candidates. The interview will assess domain knowledge, professional competency, and suitability for the role.
If two or more candidates score identically at the cut-off mark, the older candidate is ranked higher in the merit list.
Test Centre Locations
The online test, if conducted, is tentatively planned across more than two dozen cities, including Mumbai, Delhi/NCR, Bangalore, Chennai, Kolkata, Hyderabad, Pune, Ahmedabad-Gandhinagar, Jaipur, Lucknow, Baroda, Bhopal, Chandigarh-Mohali, and several other regional centres. The final allotted centre will be confirmed in the call letter.
How to Apply for Bank of Baroda C&IC Recruitment 2026
- Visit the official Bank of Baroda recruitment portal at https://bankappsweb.bankofbaroda.bank.in/BOBRECRUITMENT_JUN_CIC2507621/ and click on the relevant post link.
- Verify that you meet all eligibility criteria – qualification, age (as on 1 June 2026), work experience, CIBIL score (680 or above), and willingness to serve anywhere in India.
- Click on “New Registration” and fill in your basic details: full name, email address, mobile number, and date of birth exactly as they appear on your official documents.
- Create a secure password and complete email/SMS verification using the OTP sent to your registered email and mobile.
- Log in with your credentials and begin filling out the online application form in full: personal details, educational qualifications, work experience, category claim, and upload a recent photograph and signature in the formats specified.
- Review all entered information carefully, particularly your category selection, work experience details, and educational qualifications, since no changes are allowed after submission.
- Click the payment gateway link and pay the applicable fee (₹850 for General/OBC/EWS or ₹175 for SC/ST/PWD/ESM/Women) using net banking, credit/debit card, or UPI as accepted by the portal.
- After successful payment, download and save a copy of your application confirmation slip for future reference.
Complete your registration by 6 July 2026. The bank will not accept late submissions, and technical issues on the final day are not grounds for extension. Aim to complete registration at least 2-3 days before the deadline to avoid portal congestion.
Common Mistakes to Avoid While Applying
- Overlooking the CIBIL score requirement – Check your CIBIL score before applying. A score below 680 or any default history will lead to rejection even after selection in the interview.
- Counting ineligible experience – Do not include clerical-cadre banking experience or work experience of less than 6 months from previous organizations (unless it is part of your current employment). Only credit-related roles in the specified institutions count toward the experience requirement.
- Assuming any postgraduate degree qualifies – Only a Finance-specialised PG degree/diploma or professional qualifications (CA, CMA, CS, CFA) meet the educational criteria. A PG in any other discipline does not suffice.
- Selecting the wrong category – Category cannot be changed after registration. Incorrect OBC/EWS claims without supporting certificates can disqualify you. Apply under the category you can support with valid documentation.
- Submitting duplicate applications – Only your latest valid application is retained; fees paid for earlier applications are forfeited. Register only once.
- Not confirming the service bond commitment – Before accepting a position if selected, ensure you can commit to 3 years of service or afford to pay ₹5 lakh as an exit fee. This is a binding financial commitment.
- Applying in the last hours – Portal traffic peaks near the deadline, causing session timeouts and submission failures. Apply at least 48 hours before 6 July 2026.
Documents Required
Candidates do not need to upload every certificate during online registration, but they must be ready to produce the following in original and self-attested photocopy at the interview stage or whenever requested by the bank:
- Printout of the interview call letter and system-generated online application form
- Proof of Date of Birth (Birth Certificate, SSLC/Std. X marksheet, or equivalent)
- Valid photo identity proof such as PAN Card, Passport, Driving Licence, Voter’s Card, or Aadhaar card (Ration Card is not accepted)
- Year-wise/semester-wise mark sheets and final degree/diploma certificate
- Caste certificate for SC/ST/OBC candidates, with the OBC certificate carrying a valid non-creamy-layer clause
- Disability certificate from the District Medical Board for Persons with Benchmark Disabilities
- Income and Asset Certificate for candidates applying under the EWS category
- Service/discharge book, pension payment order, and rank proof for ex-servicemen candidates
- No Objection Certificate from the current employer for candidates already working in government, quasi-government, or public sector roles
- Documentary proof of declared work experience (appointment letters, salary slips, relieving letters)
What Happens After You Apply
- Application window closes on 6 July 2026.
- The bank reviews applications for eligibility as per the notification criteria.
- Shortlisted candidates are notified to take the online test (date to be announced separately).
- Candidates who clear the online test are called for a psychometric assessment and/or a personal interview.
- The final merit list is prepared based on the combined performance across the conducted stages.
- Selected candidates are issued offer letters with joining instructions and probation terms.
- Selected candidates join the bank and complete a 12-month probation period.
Important Links
| Particulars | Link |
|---|---|
| Apply Online for Bank of Baroda C&IC Recruitment 2026 | Apply Now |
| Official Website | Visit Website |
| Download Official Notification PDF | Download Notification |
Frequently Asked Questions (FAQs)
Q1. I have a postgraduate degree in Economics. Do I meet the educational eligibility requirements for Bank of Baroda C&IC Recruitment 2026?
Ans. No. The notification requires either a Post Graduate Degree/Diploma with specialisation in Finance, or a professional qualification (CA, CMA, CS, CFA). A postgraduate degree in Economics, History, or any other discipline does not meet the criterion, even if the undergraduate degree is in any subject.
Q2. My current CIBIL score is 650. Can I still apply, or will I be rejected?
Ans. You cannot apply if your CIBIL score is below 680 as on the date of joining. The bank checks this requirement at the time of appointment, not at registration. If your score is currently 650, you should improve it to 680 or above before applying. Once selected, a CIBIL score below 680 at joining will result in rejection regardless of your test and interview performance.
Q3. I worked in a private bank for 4 months, then joined my current employer. Can I count those 4 months toward the experience requirement?
Ans. No. Work experience of less than 6 months in any previous organisation will not be counted unless it is part of your current employment. Since your 4 months were at a previous employer, it does not count. Only your experience from your current employer onwards will be counted.
Q4. I am 36 years old and belong to the OBC (non-creamy layer) category. Am I eligible for Senior Manager – Credit Analyst?
Ans. For Senior Manager – Credit Analyst, the upper age limit is 35 years for General/EWS/OBC. With 3 years’ OBC relaxation, your effective upper age limit is 38 years. Since you are 36, you are eligible, provided all other criteria (qualification, experience, CIBIL score) are met. Age is calculated as of 1 June 2026.
Q5. I am currently employed in a government bank. Do I need to submit a No Objection Certificate from my employer?
Ans. Yes. The notification explicitly requires a No Objection Certificate from your current employer if you are working in government, quasi-government, or public sector roles. This must be submitted at the interview stage. Failure to produce this document can result in rejection.
Q6. What is the service bond, and what happens if I resign before 3 years?
Ans. Upon selection and joining, you must commit to serving Bank of Baroda for a minimum of 3 years. If you resign before completing this period, you must pay ₹5 lakh to the bank as an exit fee. This is a binding financial commitment, and the exact terms will be confirmed in your offer letter. Consider this commitment carefully before applying.
Q7. Can I apply for both Credit Analyst and C&IC Relationship posts in the same registration?
Ans. The notification does not explicitly permit multiple post applications within a single registration. Candidates should clarify with the bank’s recruitment support before registering whether they may apply for more than one post or whether one application per candidate is mandatory. Generally, only one application per candidate is processed, and the latest valid submission is retained.
Q8. When will the online test be conducted, and what is the syllabus for Professional Knowledge?
Ans. The online test date has not been announced yet. The bank will notify all shortlisted candidates via their registered email and the official website once the test schedule is finalized. Regarding the Professional Knowledge section syllabus, the notification does not provide detailed topics. Candidates should refer to the full recruitment advertisement on the official website or contact the bank directly for syllabus details. General preparation in corporate credit, finance, and banking fundamentals is advisable.
