BOI Financial Literacy Counsellor Recruitment 2026 - Apply Offline

Bank of India (BOI), a leading public sector bank in India, invites applications for the position of Financial Literacy Counsellor on a contract basis. These counsellors will be responsible for spreading financial awareness among the rural and semi-urban population, conducting financial literacy camps, and educating customers about various banking products and government schemes. The recruitment is conducted directly by BOI through an offline application process. Selected candidates will work across various branches and financial literacy centres of Bank of India throughout the country. This role plays a crucial part in the government's mission of financial inclusion and making banking services accessible to all sections of society. The position offers an opportunity to work with one of India's premier public sector banks while contributing to social welfare.

Typical / Indicative vacancy distribution:

Note: Actual vacancies to be notified in the official advertisement.

Educational Qualification

• Essential: Post-Graduate degree in any discipline from a recognized University
• Preferred: Degree/Diploma in Banking, Finance, Economics, Commerce, Business Administration, or Rural Development
• Desirable: Knowledge of local language of the state/region of posting
• Proficiency in computer operations and MS Office
• Good communication skills in Hindi/English

Age Limit

As on the date of notification:

Age Relaxation:

Nationality

• Candidate must be a Citizen of India
• Domicile requirements may apply for specific state postings

Step-by-step offline application procedure:

1. Download the application form from the official Bank of India website (www.bankofindia.co.in)
2. Take a printout of the application form on A4 size paper
3. Fill in all details carefully in CAPITAL LETTERS using black/blue pen
4. Paste a recent passport-size photograph (signed across) in the designated space
5. Attach self-attested copies of all relevant documents (educational certificates, caste certificate if applicable, age proof, experience certificates)
6. Prepare a demand draft for the application fee in favour of "Bank of India" payable at the specified location (as mentioned in notification)
7. Put all documents in an envelope clearly superscribing "Application for the post of Financial Literacy Counsellor - 2026"
8. Send the application by registered/speed post to the address mentioned in the official notification before the last date
9. Retain acknowledgment receipt and a photocopy of the complete application for future reference

Application Fees:

Payment mode: Demand Draft only

1. Shortlisting: Applications will be screened based on eligibility criteria and completeness of documents. Only eligible candidates will be shortlisted.

1. Written Test/Online Test: Shortlisted candidates may be called for a written examination covering topics like Financial Literacy, Banking Awareness, General Awareness, Reasoning, and English Language (if applicable as per notification).

1. Personal Interview: Candidates qualifying the written test will be called for personal interview. The interview panel will assess candidate's knowledge of financial literacy concepts, communication skills, personality, and suitability for the role.

1. Document Verification: Selected candidates will undergo thorough document verification where original certificates will be checked against submitted copies.

1. Medical Examination: Final selected candidates must undergo medical fitness examination as per Bank's standards.

1. Final Merit List: Based on aggregate performance in written test and interview (if both conducted), final merit list will be prepared category-wise and appointment letters issued.

Typical / Indicative exam pattern (if written test is conducted):

Written Test Pattern

Personal Interview Pattern:

Negative Marking:

• Typically 0.25 marks deducted for each wrong answer in objective type questions
• No negative marking in descriptive sections (if any)
• No negative marking in Personal Interview

Final pattern to be confirmed in official notification

Financial Literacy & Banking Awareness

• Banking terminology and basic banking concepts
• Types of bank accounts (Savings, Current, Fixed Deposit, Recurring Deposit)
• KYC norms and documentation
• Digital banking services (UPI, NEFT, RTGS, IMPS)
• Financial inclusion and government schemes (PMJDY, PMSBY, PMJJBY, APY)
• RBI guidelines and banking regulations
• Microfinance and Self-Help Groups
• Insurance and pension products
• Credit facilities and loan products
• Financial planning and budgeting
• Consumer protection in banking

General Awareness

• Current affairs (national and international)
• Indian economy and budget
• Banking and financial sector news
• Government schemes and initiatives
• Awards and honours
• Sports events
• Important days and dates
• Books and authors
• Indian Constitution basics
• Geography of India

Reasoning Ability

• Logical reasoning
• Analytical ability
• Coding-decoding
• Blood relations
• Direction sense
• Seating arrangements
• Puzzles and data sufficiency
• Syllogisms
• Inequalities
• Series completion

English Language

• Reading comprehension
• Grammar (tenses, articles, prepositions)
• Vocabulary (synonyms, antonyms)
• Sentence rearrangement
• Error detection
• Fill in the blanks
• Cloze test
• Idioms and phrases
• Active-passive voice
• Direct-indirect speech

Typical / Indicative salary structure for Financial Literacy Counsellor (Contract basis):

Additional Benefits:

• Performance-based incentives (if applicable)
• Reimbursement of travel expenses for field visits
• No DA/HRA as this is typically a contractual position
• No PF/gratuity benefits under contract employment
• Medical facilities may be provided as per bank policy
• Contract period: Usually 1 year (renewable based on performance)

Note: Exact salary structure will be mentioned in the official notification. Contract positions typically do not receive regular employee benefits.

Financial Literacy Counsellors work on a contract basis, with contract renewal based on performance evaluation. High-performing counsellors may be considered for extension of contract for subsequent years. Some banks offer opportunities for contractual employees to appear in regular recruitment drives for officer or clerical positions, though this is subject to separate selection processes. With experience in financial literacy and banking operations, counsellors can pursue careers in banking, microfinance institutions, or financial advisory roles.

For offline application process, admit cards (if applicable for written test) will be sent to candidates via registered email/post to the address mentioned in the application form. Candidates should regularly check their registered email and the official Bank of India careers page for updates. The admit card typically contains candidate's name, photograph, exam centre details, reporting time, and instructions for the examination day. Candidates must carry the admit card along with a valid photo ID proof to the examination centre.

Results will be declared on the official Bank of India website (www.bankofindia.co.in) under the careers/recruitment section. Shortlisted candidates for each stage (written test, interview) will be informed via email/SMS and the list will be published online. Final selection list will be prepared category-wise based on merit. Selected candidates will receive appointment letters via post/email with joining instructions and required documents list.

Typical / Indicative cutoff marks: Cutoff scores vary based on number of applicants, difficulty level, and vacancies. Generally, UR category candidates need to score around 55-65% marks, while OBC candidates require 50-60%, and SC/ST candidates need 45-55% to qualify. Interview cutoff typically requires minimum 40% marks for UR and 35% for reserved categories. Final cutoff depends on combined score of written test and interview (if both conducted), and varies across different states based on regional vacancy and competition.

Major exam centres across India:

North: Delhi NCR, Chandigarh, Jaipur, Lucknow, Patna, Ranchi, Jammu, Shimla, Dehradun

South: Bengaluru, Chennai, Hyderabad, Thiruvananthapuram, Kochi, Vijayawada, Mysuru, Coimbatore, Madurai

East: Kolkata, Bhubaneswar, Guwahati, Siliguri, Cuttack, Jamshedpur

West: Mumbai, Pune, Ahmedabad, Surat, Nagpur, Indore, Bhopal, Raipur, Goa

Northeast: Guwahati, Shillong, Agartala, Imphal, Aizawl, Itanagar

Exact exam centres will be allocated based on candidate's preference and availability, as mentioned in the official notification.