Bank of Baroda MSME Banking Recruitment 2026: 253 Contractual Officer Posts – Notification, Eligibility, Application Process

Bank of Baroda Recruitment 2026 – Overview

Bank of Baroda, a leading public sector bank, has officially announced a major recruitment drive to hire 253 professionals for its MSME Banking Department. This is a contractual recruitment for three distinct roles: Assistant Vice President 1 – MSME Relationship, Deputy Manager – MSME Relationship, and Assistant Manager – MSME Sales. The selection will be based on a comprehensive process which may include an online test, psychometric assessment, and a personal interview. This is a significant opportunity for banking and finance professionals with a background in asset sales to join a prestigious institution on a long-term contract basis.

Eligibility, Selection Process & Key Highlights

Candidates applying must hold a graduation degree in any discipline, with a preference for full-time MBA/PGDM in Marketing or Finance. Crucially, applicants must possess a mandatory post-qualification experience in Asset Sales with any Bank, NBFC, or Financial Institution in India. The contract is for an initial period of 5 years, extendable by another 5 years, but candidates must be willing to serve anywhere in India. A unique and critical requirement is maintaining a minimum CIBIL score of 680 at the time of joining. Applicants are advised to meticulously check their eligibility against the cut-off date of 01.02.2026 and ensure all uploaded documents meet the specified format and size requirements.

About Important Dates of Bank of Baroda MSME Recruitment 2026

The timeline for this recruitment is strict and defined by key dates that every applicant must remember. The most critical is the last date for application and fee payment: 26th February 2026. It's vital to understand that the application is considered complete ONLY when the fee is successfully deposited online on or before this date. The eligibility of a candidate, including age and experience, is locked as of 01st February 2026. This cut-off date means any qualification or experience gained after this date will not be considered for this recruitment cycle. Candidates should not wait for the last day to apply, as technical glitches or website congestion could prevent successful submission. All future communications, including call letters for tests or interviews, will be sent only to the registered email ID.

About Application Fees of Bank of Baroda MSME Recruitment 2026

The application fee structure follows the standard government recruitment model with concessions for reserved categories and women. It is crucial to note that the fee is non-refundable, irrespective of whether the candidate is shortlisted, the test is conducted, or the candidate decides not to appear. The fee must be paid online, and transaction charges levied by the payment gateway are an additional cost borne by the candidate. This policy is absolute; incomplete applications or those without successful fee payment are summarily rejected. Candidates must double-check their category before payment, as no request for a category change or fee refund will be entertained later.

About Vacancy Details of Bank of Baroda MSME Recruitment 2026

The 253 vacancies are strategically distributed across three levels, creating a clear career progression path within the MSME vertical. The bulk of the opportunities (177 posts) are at the entry-level Assistant Manager - MSME Sales position, designed for professionals with at least 2 years of experience. This indicates the bank's focus on building a strong frontline sales team. The Deputy Manager (62 posts) and Assistant Vice President (14 posts) roles are for progressively senior professionals responsible for relationship management and strategic business development. This structure allows candidates to apply for a level that matches their current career stage and aspirations. It is important to apply only for one position that best fits your profile, as submitting multiple applications can lead to disqualification.

About Eligibility Criteria of Bank of Baroda MSME Recruitment 2026

Eligibility is defined by three pillars: Age, Education, and Work Experience, all calculated as of 01.02.2026. The age limits are strict, but relaxations apply for SC/ST, OBC, and PWD candidates as per government norms. The educational requirement of graduation is basic, but the strong preference for a full-time MBA/PGDM in Marketing or Finance signals the bank's desire for candidates with formal business education. The most critical filter is the mandatory post-qualification experience in "Asset Sales." This specifically means experience in selling loans or credit products (like business loans, home loans, etc.), not liability sales (like deposits). Experience in a clerical cadre or any role of less than six months in an organization (unless part of current employment) is explicitly not counted. Candidates must have appointment letters and experience certificates to prove this.

About Category Wise Posts of Bank of Baroda MSME Recruitment 2026

The reservation policy is implemented as per Government of India guidelines. The total of 253 posts includes horizontal reservation for Persons with Benchmark Disabilities (PwBD), which is 16 posts distributed across different disability types (OC, HI, VI, ID). It is imperative for candidates applying under a reserved category (SC/ST/OBC/EWS/PWD) to possess a valid certificate in the prescribed format from the competent authority. For OBC candidates, the certificate must include the 'Non-Creamy Layer' clause and be valid as on the date of the interview. EWS candidates must provide an Income and Asset Certificate. A critical warning: no change of category is permitted after registration. If an OBC candidate's caste is not in the Central List or they belong to the creamy layer, they must apply under the General (UR) category.

About Exam Pattern of Bank of Baroda MSME Recruitment 2026

The selection process is multi-layered and designed to assess both professional competence and behavioral suitability. The bank reserves the right to conduct an Online Test, the details of which (sections, duration, marking) are not specified in the notification but would assess candidates as per the bank's requirements. A key component is the Psychometric Test, aimed at evaluating personality traits, communication clarity, problem-solving approach, efficiency, and most importantly, willingness to work anywhere in India. The final hurdle is the Personal Interview (PI), which has minimum qualifying marks—60% for UR and 55% for reserved categories. Merely meeting the eligibility criteria does not guarantee an interview call; the bank will shortlist candidates based on their internal criteria, which may include qualifications, experience quality, and the application profile.

About Physical Eligibility of Bank of Baroda MSME Recruitment 2026

For this recruitment of MSME Banking Professionals, there are no standard physical standards like height, chest measurement, or physical endurance tests as required in some other bank recruitments (like for security posts). The roles are primarily sales and relationship management oriented, focusing on financial acumen and client interaction skills. However, for Persons with Disability (PWD) candidates, a specific and formal process is mandated. They must produce a Disability Certificate in the precise format (Form-V for single disability or Form-VI for multiple disabilities) issued by a District Medical Board. This certificate is non-negotiable for claiming reservation benefits and must be uploaded during application and presented in original at the interview. If a scribe is needed for the online test, details must be provided in the prescribed format.

About Salary of Bank of Baroda MSME Recruitment 2026

The compensation package is not fixed but will be negotiated and offered on a "cost-to-company" basis, considering multiple factors. This is a common practice for contractual specialist roles in public sector banks. The key determinants will be the candidate's relevant experience, highest educational qualification (with a premium for an MBA/PGDM), last drawn salary (CTC), and the prevailing market rate for similar roles. While a specific figure isn't advertised, it is expected to be competitive. The contractual tenure is a significant 5+5 years, offering medium-term job stability, but it is not a permanent position. The contract is valid until the candidate turns 60 or the term ends. Candidates should be prepared for a variable pay component linked to performance targets, which is standard in sales roles.

About Syllabus of Bank of Baroda MSME Recruitment 2026

Unlike clerical or probationary officer recruitments, this notification does not provide a detailed subject-wise syllabus. This is because the selection heavily weights work experience and interview performance. If an Online Test is conducted, it will be tailored to assess candidates as per the bank's requirements for these specific MSME roles. Candidates should, however, be prepared to demonstrate core banking knowledge, especially related to MSME loans, credit appraisal, and financial products. The Psychometric Test is not about right or wrong answers but about assessing behavioral fit for a high-pressure sales and relationship management role. It will evaluate traits like resilience, persuasiveness, and adaptability. The Personal Interview will be the most critical stage, diving deep into your past sales achievements, understanding of the MSME sector, and ability to handle client relationships and business targets.

About How to Fill Application Form for Bank of Baroda MSME Recruitment 2026

The application process is entirely online and meticulous attention to detail is required. The most common mistakes are: using an incorrect or inactive email ID, uploading blurred photos or signatures, and submitting documents in the wrong format or size. The photograph must be a recent passport-style color picture on a light background, and the signature must be in black ink on white paper (not in block letters). All supporting documents (marksheets, experience certificates, category certificates) must be merged into single PDFs as instructed, with each file not exceeding 500 KB. Crucially, after payment and final submission, NO corrections are allowed. Therefore, review every field—especially name, date of birth, category, experience details, and contact information—before hitting the final submit button. Always take a printout of the completed application and fee receipt.

About Mode of Selection of Bank of Baroda MSME Recruitment 2026

The selection mode emphasizes that the bank holds absolute discretion at every step. The process is not purely meritocratic in the traditional exam sense; it is a filtration system based on suitability. The bank explicitly states that meeting the minimum eligibility criteria "does not automatically entitle a candidate to be called for an interview." Shortlisting is based on a confidential internal assessment of qualifications, quality and relevance of work experience, and the overall profile. This means a candidate with 2 years of relevant MSME sales experience might be prioritized over one with 5 years in a less relevant asset class. The final selection is based on a combination of scores, and candidates must secure a position high enough in the merit list, limited by the number of vacancies. The bank's decision at every stage is final and binding.

About Documents Required for Bank of Baroda MSME Recruitment 2026

Document verification is a rigorous and mandatory final step. At the interview stage, candidates must bring the original documents along with self-attested photocopies of everything. The list is exhaustive: from the 10th standard marksheet for age proof to every semester's mark sheet and degree certificate for educational proof. For work experience, appointment letters, relieving letters (for past employments), and salary slips are crucial. For category certificates, they must be in the exact format prescribed by the Government of India and issued by the competent authority listed in the notification (e.g., District Magistrate for caste certificates). A common pitfall for OBC candidates is an expired Non-Creamy Layer certificate or one missing the crucial clause. For current government/PSU employees, failure to bring the NOC will result in not being allowed to interview. Non-production of any document leads to immediate cancellation of candidature.

Beyond the standard details, this recruitment notification contains several stringent and non-negotiable conditions that candidates must understand fully to avoid disqualification.

The Critical CIBIL Score Requirement and Credit History Check

This is perhaps the most unique and critical eligibility condition. Bank of Baroda mandates a minimum CIBIL score of 680 at the time of joining. This is not a mere formality. The bank explicitly states it will reject candidature at ANY stage, including after joining, if the credit profile is found unsatisfactory. This includes defaults on any loan or credit card dues. For candidates working in banking/finance, maintaining a pristine credit history is part of professional integrity. Before applying, it is advisable to check your free annual CIBIL report. This rule underscores the bank's zero-tolerance for financial indiscipline in employees who will be handling lending decisions.

Contractual Nature, Posting Flexibility, and Bank's Absolute Rights

These are contractual positions, not permanent. The initial 5-year term is substantial, but renewal for the next 5 years is solely at the bank's discretion based on performance. Candidates must be willing to serve anywhere in India, with no requests for location changes entertained. The bank reserves sweeping rights: to modify vacancies, change the selection process, call fewer candidates than advertised, or even cancel the entire recruitment without assigning reasons. This means candidates invest time and money in the application with the understanding that the bank holds all cards. Any form of canvassing or influence-peddling will lead to immediate disqualification.

Strict Rules on Applications, Documents, and False Information

The rules are designed to ensure a clean, transparent process. Only one application per candidate is allowed; multiple applications will result in only the latest one being considered. Information provided in the application is final—no changes are permitted after submission. The bank conducts thorough background verification of character, antecedents, and employment history. Suppressing information about pending criminal cases or disciplinary proceedings is grounds for termination, even after appointment. All certificates must be valid and from the authorized issuer. For example, an EWS certificate must confirm the family's income is below ₹8 lakh and they do not own the prohibited assets. Adherence to these strict protocols is non-negotiable.

1. Is this a permanent job or a contractual position?

This is a contractual position for an initial period of 5 years, which may be extended for another 5 years based on performance. It is not a permanent appointment with the bank.

2. What does "Asset Sales" experience mean? Does selling insurance or mutual funds count?

"Asset Sales" specifically refers to selling loan products (like business loans, home loans, car loans) offered by Banks, NBFCs, or Financial Institutions. Experience in selling insurance, mutual funds, or deposits may not be considered directly relevant.

3. Why is a CIBIL score of 680 required? What if my score is 675?

The CIBIL score of 680 is a mandatory cut-off reflecting financial discipline. A score of 675 will make you ineligible at the time of joining, and your candidature can be cancelled even after selection.

4. I have 4 years and 8 months of experience. Am I eligible for the Deputy Manager post requiring 3 years?

Yes, you are eligible as you meet the minimum 3-year requirement. Experience is counted as of 01.02.2026, and periods of less than 6 months in an organization are not counted unless it's your current job.

5. Can I choose my place of posting?

No. Selected candidates can be posted anywhere in India at the bank's discretion. Willingness to serve anywhere in India is a mandatory condition for applying.

6. Is there an online written exam, and what is the syllabus?

The bank may or may not conduct an online test. If conducted, the syllabus is not specified but will assess candidates as per the role's requirements. Focus on banking awareness, reasoning, and quantitative aptitude.

7. I am currently working in a government bank. Do I need an NOC for the interview?

Yes, absolutely. Government/PSU employees must bring a No Objection Certificate (NOC) from their current employer to the interview. Without it, you will not be allowed to appear.

8. My OBC certificate is valid until December 2026. Is it acceptable?

Yes, as long as it is issued by the competent authority, includes the Non-Creamy Layer clause, and is valid on the date of your interview. It must also be based on the Central Government list.

9. What is the role of the Psychometric Test? Can I fail it?

The Psychometric Test assesses your personality and suitability for a sales role. It is evaluative, not pass/fail in a traditional sense, but a poor fit may affect your overall shortlisting for the interview.

10. What is the age relaxation for PWD candidates?

Age relaxation is 10 years for Gen/EWS PWD, 13 years for OBC PWD, and 15 years for SC/ST PWD candidates, over and above the respective category's maximum age limit.

11. How should I prepare my work experience documents?

Collect appointment letters, experience certificates (stating tenure and role), and latest salary slips. Merge them into a single PDF under 500 KB for upload. Have originals ready for the interview.

12. If I apply for Assistant Manager, can I later be considered for Deputy Manager?

No. You must apply for a specific post. The bank reserves the right to consider your candidature for other positions, but you should apply for the one matching your experience.

13. Is there any bond or service agreement?

The notification mentions that service bond execution may be required as per the bank's extant policies. Selected candidates will also have to sign a Non-Disclosure Agreement.

14. When will the interview call letters be issued?

Interview call letters will be sent only to the registered email ID of shortlisted candidates. Dates will be announced on the bank's website; no separate communication by post.

15. What if I made a mistake in my application form after submitting it?

No corrections are allowed after final submission. You must ensure all details are 100% accurate before paying the fee and clicking the final submit button.