The official NIACL AO Cut Off 2026 is published on the New India Assurance website, newindia.co.in. Candidates can review the latest category-wise and sectional qualifying marks here to gauge their performance standards.
NIACL AO Cut Off 2026
The NIACL AO cut-off marks serve as the definitive benchmark for candidates to evaluate their exam performance. Qualifying scores vary across categories—including SC, ST, OBC, EWS, UR, and PwBD—influenced by factors such as exam difficulty, total vacancies, and overall test-taker performance. Successfully clearing these cut-offs is essential for advancement to the Pre-employment Medical Examination.
NIACL AO Previous Year Cut Off
Historical NIACL AO cut-off trends are shaped by the number of applicants, question paper difficulty, and category quotas. Analyzing past data allows aspirants to set realistic targets and refine their preparation strategies. Because cut-offs fluctuate annually, aiming for a score significantly higher than previous benchmarks is highly recommended. Below, we provide comprehensive archives of NIACL AO Prelims and Mains cut-offs from 2018 to 2025.
NIACL AO Prelims Cut Off 2025 Category-wise
The category-wise qualifying marks (out of 100) for Generalist and specialist disciplines are detailed in the table below. The highest cut-off was observed in the Generalist (UR) category at 76.75 marks, while specialized roles such as Actuarial and Company Secretary reflected distinct competitive benchmarks.
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NIACL AO Category-wise Cut Off Marks 2025 (Out of 100)
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| Discipline | SC | ST | OBC | EWS | UR | HI | OC | VI | ID/MD |
| Generalists | 68 | 61.5 | 71.25 | 70.5 | 76.75 | 43.75 | 60.25 | 65 | 52 |
| Risk Engineers | 55.75 | 48 | 61.75 | 57.5 | 68 | 11.5 | – | 35.75 | – |
| Automobile Engineers | 11.5 | 8.75 | 9 | 19 | 23 | – | % | % | % |
| Legal Specialists | 37 | 30.25 | 37.5 | 37 | 53.75 | 18.25 | – | 18.5 | 18 |
| Accounts | 55.5 | 45.75 | 58.5 | 59.75 | 67.5 | – | 25.5 | – | – |
| AO (Health) | 32.25 | 23 | 30.75 | 24 | 41.75 | 25.5 | 11.25 | – | – |
| IT Specialists | 54.5 | 49 | 55.5 | 52.5 | 65.25 | 12 | – | – | – |
| Business Analysts | 27.75 | 11.25 | 35.25 | 19.25 | 56.75 | 36.5 | – | 23 | 28.5 |
| Company Secretary | – | – | – | – | 18.5 | – | – | – | – |
| Actuarial Specialists | – | – | – | – | 15.75 | – | – | – | – |
NIACL AO Prelims Cut Off 2025 Sectional
Detailed below are the section-wise NIACL AO Prelims qualifying marks.
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Section-Wise Marks – Phase I Online Examination 2025
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| Section | Maximum Marks |
Marks Obtained
|
| English Language | 30 | 30 |
| Reasoning Ability | 35 | 23.25 |
| Quantitative Aptitude | 35 | 23 |
| Total (Objective) | 100 | 76.25 |
NIACL AO Mains Cut Off 2025
The NIACL AO Cut Off 2025 provides a transparent view of the selection threshold. Cut-offs are determined by category (SC, ST, OBC, EWS, UR, PwBD) and take into account the complexity of the paper and the overall volume of successful applicants. The section-wise, overall, and post-wise results are summarized below:
NIACL AO Mains Sectional Cut Off 2025 (Generalist)
| Post | Category | Reasoning (50) | English (50) | General Awareness (50) |
Quantitative Aptitude (50)
|
| Generalist | SC, ST | 13.75 | 20.25 | 1 | 15.25 |
| Generalist | OBC, EWS, UR | 16.75 | 23.75 | 2.75 | 17.75 |
| Generalist | PwBD | 1 | 1 | 1 | 1 |
NIACL AO Mains Sectional Cut Off 2025 (Specialist)
| Post | Category | Reasoning (40) | English (40) | General Awareness (40) | Quantitative Aptitude (40) |
Professional Knowledge (40)
|
| Risk Engineers | SC, ST | 1 | 11 | 1 | 4.25 | 5.5 |
| Risk Engineers | OBC, EWS, UR | 4 | 14.5 | 2 | 6.75 | 8.25 |
| Risk Engineers | PwBD | 1 | 1 | 1 | 1 | 1 |
| Automobile Engineers | All Category | 1 | 1 | 1 | 1 | 1 |
| Legal Specialists | SC | 2.5 | 12.75 | 1 | 5.5 | 11.5 |
| Legal Specialists | ST | 1 | 11 | 1 | 4.25 | 9.75 |
| Legal Specialists | OBC, EWS, UR | 4 | 14.5 | 2 | 6.75 | 13.25 |
| Legal Specialists | PwBD | 1 | 1 | 1 | 1 | 1 |
| Accounts Specialists | ST, PwBD | 1 | 1 | 1 | 1 | 1 |
| Accounts Specialists | OBC | 4 | 14.5 | 2 | 6.75 | 8.25 |
| Accounts Specialists | SC | 1 | 11 | 1 | 4.25 | 5 |
| Accounts Specialists | EWS, UR | 4 | 14.5 | 2 | 6.75 | 8.25 |
| AO (Health) | SC | 2.5 | 12.75 | 1 | 5.5 | 2 |
| AO (Health) | ST, EWS, PwBD | 1 | 1 | 1 | 1 | 1 |
| AO (Health) | OBC, UR | 4 | 14.5 | 2 | 6.75 | 3.5 |
| IT Specialists | OBC | 4 | 14.5 | 2 | 6.75 | 7.5 |
| IT Specialists | SC | 2.5 | 12.75 | 1 | 5.5 | 6 |
| IT Specialists | ST | 1 | 11 | 1 | 4.25 | 4.5 |
| IT Specialists | EWS, UR | 4 | 14.5 | 2 | 6.75 | 7.5 |
| IT Specialists | PwBD | 1 | 1 | 1 | 1 | 1 |
| Business Analysts | All Category | 1 | 1 | 1 | 1 | 1 |
| Company Secretary | All Category | 1 | 1 | 1 | 1 | 1 |
| Actuarial Specialists | All Category | 1 | 1 | 1 | 1 | 1 |
NIACL AO Mains Sectional Cut Off 2025 (Objective)
| Discipline | SC | ST | OBC | EWS | UR | HI | OC | VI | ID/MD |
| Generalists | 86.75 | 69.75 | 92.75 | 89.25 | 102.75 | 54.25 | 88.5 | 92.5 | 87.5 |
| Risk Engineers | 70 | 63.75 | 80.75 | 77.25 | 91 | 24.75 | – | 72.5 | – |
| Automobile Engineers | 26.75 | 34.50 | 30.50 | 48* | 65.75 | – | – | – | – |
| Legal Specialists | 76.75 | 69 | 85.75 | 87 | 98 | 75.75 | – | 59 | 58.5 |
| Accounts Specialists | 68.25 | 62.5 | 72.5 | 68 | 87.25 | – | 49 | – | – |
| AO (Health) | 55 | 48.25 | 59.5 | 40.50 | 72.25 | 36.25 | 43.25 | – | – |
| IT Specialists | 72.5 | 53.75 | 76.75 | 80.25 | 91.75 | – | – | – | – |
| Business Analysts | 47.75 | 40.25 | 62.25 | 57.25 | 73.75 | – | – | 54.50 | 63.75 |
| Company Secretary | – | – | – | – | 81 | – | – | – | – |
| Actuarial Specialists | – | – | – | – | 45.75 | – | – |
NIACL AO Mains Sectional Cut Off 2025 (Descriptive)
| Category | Minimum Marks |
| SC | 13.5 |
| ST | 13.5 |
| OBC | 15 |
| EWS | 15 |
| UR | 15 |
| HI | 13.5 |
| OC | 13.5 |
| VI | 13.5 |
| ID/MD | 13.5 |
NIACL AO Prelims Cut Off 2024
Review the category-wise cut-off marks (out of 100) in the following table.
| Discipline | SC | ST | OBC | EWS | UR | HI | OC | VI | ID/MD |
| Generalists | 74.75 | 68.75 | 77.75 | 77.75 | 81.75 | 49.25 | 71 | 71 | 26.75 |
| Accounts | 52.25 | 37.25 | 51.25 | 49.25 | 64.25 | 27.25 | 36.75 | 26.5 | 22 |
NIACL AO Prelims Cut Off 2024: Section-wise
| Test | Generalists (SC, ST, OBC, PwBD) | Generalists (EWS, UR) | Accounts (SC, ST, OBC, PwBD) |
Accounts (EWS, UR)
|
| English Language | 12 | 15 | 7.25 | 10.75 |
| Reasoning Ability | 8 | 13 | 1 | 5.5 |
| Quantitative Aptitude | 3.75 | 7.25 | 2.5 | 6.25 |
NIACL AO Mains Cut Off 2024
Candidates who appeared for the Mains examination can verify the official cut-off here, which reflects the competitive intensity and seat availability for the year. View the qualifying scores (out of 200) in the section below.
| Discipline | SC | ST | OBC | EWS | UR | HI | OC | VI | ID/MD |
| GENERALISTS | 82 | 76.5 | 91.25 | 90.5 | 99.25 | 49.25 | 96 | 87 | 46.75 |
| ACCOUNTS | 65.5 | 52.75 | 72 | 74 | 87.75 | # | 48 |
NIACL AO Mains Cut Off 2024: Sectional
| Test | GENERALISTS (SC/ST/OBC/PwBD) | GENERALISTS (EWS/UR) | ACCOUNTS (SC/ST/OBC/PwBD) |
ACCOUNTS (EWS/UR)
|
| Reasoning Ability | 7.25 | 10.5 | 2 | 4.75 |
| English Language | 12 | 16 | 1.75 | 6 |
| General Awareness | 1 | 2.75 | 1 | 1.25 |
| Quantitative Aptitude | 9.25 | 12.25 | 4.75 | 7 |
| Professional Knowledge | – | – | 1 | 1.75 |
NIACL AO Final Cut Off 2024
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NIACL AO Final Cut Off (Out of 100) – Category-wise for Pre-employment Medical Examination
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| Discipline | SC | ST | OBC | EWS | UR | HI | OC | VI | ID/MD |
| Accounts | 48.5 | 45.44 | 51.63 | 55 | 55.72 | – | 51 | 50.44 | 47.22 |
| Generalists | 53.09 | 51.22 | 57.97 | 57.84 | 60.09 | 45.84 | 57 | ||
NIACL AO Prelims Cut-Off 2023
This section provides the official NIACL AO Prelims cut-off data for 2023. Candidates can check the category-wise and post-wise qualifying marks for the preliminary stage in the table provided below.
NIACL AO Prelims Cut off 2023: Post-wise
The following data highlights the NIACL AO Prelims 2025 cut-offs across various specializations. For Generalists, marks ranged from 72.75 (SC) to 81.75 (EWS). Risk Engineers faced cut-offs from 46.25 (ST) to 65 (UR), Legal Officers ranged from 24.50 (ST) to 44.75 (EWS), and IT Specialists saw requirements between 55.50 (SC) and 65.25 (UR).
| NIACL AO Cut Off 2023 Post-wise | |||||
| Disciplines | SC | ST | OBC | EWS | UR |
| Generalists | 72.75 | 65.75 | 77.25 | 77.25 | 81.75 |
| Risk Engineers | 53.75 | 46.25 | 56.75 | 53.75 | 65 |
| Automobile Engineers | 7.50 | 10.25 | 6.50 | 15.25 | 24 |
| Legal Officers | 31.75 | 24 | 28.50 | 20 | 44.75 |
| Accounts | 18.25 | 18.25 | 12.50 | – | 18.25 |
| Health | 17.50 | 8 | 17.75 | 14 | 30.50 |
| IT Specialists | 55.50 | 44 | 55 | 50.75 | 65.25 |
NIACL AO Prelims Cut off 2023: Section-wise
The 2023 NIACL AO Prelims cut-offs varied by discipline and subject area. For Generalists, the English Language section recorded a peak cut-off of 24.25 (General), while Quantitative Aptitude had a minimum threshold of 5.25 for reserved categories. Reasoning Ability requirements were 5.50 for Generalists and 10 for SC/ST/OBC/PwBD candidates.
| NIACL AO Prelims Cut Off 2023- Section-wise | ||
| Discipline | Generalists | |
| Test | SC/ST/OBC/PwBD | UR |
| English Language | 24.25 | 17.50 |
| Reasoning Ability | 5.50 | 10 |
| Quantitative Aptitude | 5.25 | 9 |
NIACL AO Mains Cut Off 2023
This section details the NIACL AO Mains examination cut-offs. Applicants can review the category-wise, section-wise, and descriptive paper results for 2023 in the data table below.
NIACL AO Mains Cut Off 2023- Category-wise Cut off
| Discipline | SC | ST | OBC | EWS | UR | HI | OC | VI | ID/MD |
| Risk Engineers | 77.25 | 72 | 84.25 | 90.25 | 95.75 | 55.75 | 61 | – | 40.75 |
| Automobile Engineers | 53.5 | 41.5 | 50.75 | 20.25 | 70 | – | 19.25 | 54.25 | – |
| Legal Officers | 70 | 64.75 | 71.5 | 71.25 | 85.75 | 39.25 | 58.25 | 68.5 | 57.5 |
| Accounts | 30 | 51.25 | 35.5 | 72.5 | 74.75 | 66.75 | – | – | – |
| Health | 51.5 | 32.75 | 53.5 | 42.75 | 64.5 | 19.5 | 26 | – | 35.75 |
| IT Specialists | 77.75 | 69.25 | 79.25 | 81 | 86.75 | 43.75 | – | – | – |
| Generalist | 86.5 | 76.75 | 95.25 | 98.5 | 103.75 | 64.5 | 91 | 99.25 | 86 |
Minimum Qualifying Marks in Descriptive Paper
| Category |
Minimum Qualifying Marks
|
| SC | 13.5 |
| ST | 13.5 |
| OBC | 15 |
| EWS | 15 |
| UR | 15 |
| HI | 13.5 |
| OC | 13.5 |
| VI | 13.5 |
| ID/MD | 13.5 |
Section-wise Minimum Qualifying Marks
| Discipline | Test | Generalists |
| Reasoning Ability | SC, ST, OBC, PwBD: 11.50 | EWS, UR: 14.50 |
| English Language | SC, ST, OBC, PwBD: 19.00 | EWS, UR: 22.00 |
| General Awareness | SC, ST, OBC, PwBD: 3.00 | EWS, UR: 5.25 |
| Quantitative Aptitude | SC, ST, OBC, PwBD: 14.75 | EWS, UR: 17.00 |
NIACL AO Prelims Cut Off 2021
The NIACL AO Prelims 2021 cut-off was officially released on December 24, 2021, accompanied by individual scorecards. The detailed category-wise and sectional cut-offs for this cycle are presented below.
NIACL AO Prelims Cut off 2021: Category-wise Cut off
| NIACL AO Prelims Cut Off 2021- Category-wise | |
| Category | Prelims Cut off |
| UR | 73.75 |
| SC | 64.50 |
| ST | 58.75 |
| OBC | 68.25 |
| EWS | 68.75 |
| HI | 41.75 |
| OC | 61 |
| VI | 63.75 |
| ID/MD | 20.50 |
NIACL AO Prelims Cut off 2021: Section-wise Cut off
| NIACL AO Prelims Cut Off 2021- Section-wise | ||
| Discipline | Generalists | |
| Test | SC/ST/OBC/PwD | UR |
| English Language | 11 | 14.50 |
| Reasoning Ability | 2.25 | 6.50 |
| Quantitative Aptitude | 4.25 | 7.25 |
NIACL AO Mains Cut Off 2021
The NIACL AO Mains examination cut-off marks are listed below. NIACL has provided the category-wise and descriptive paper qualifying marks for the Phase 2 exam; check your status regarding sectional and overall performance here.
NIACL AO Mains Cut Off 2021- Category-wise Cut off
| NIACL AO Mains Cut Off 2021: Category-wise | |
|---|---|
| Category | Mains Cut Off |
| UR | 100.75 |
| SC | 71.75 |
| ST | 70.75 |
| OBC | 70.75 |
| EWS | 74.75 |
| HI | 65.50 |
| OC | 90.75 |
| VI | 94.75 |
NIACL AO Mains Cut off 2021: Descriptive Paper cut off
| NIACL AO Mains Descriptive Paper Cut Off 2021 | ||
|---|---|---|
| Test | SC/ST | UR/OBC/EWS |
| Descriptive Test | 13.5 | 15 |
NIACL AO Prelims Cut off 2018
We have compiled the NIACL AO Prelims 2018 cut-off marks (out of 100) for your reference. This dataset includes category-wise, state-wise, and sectional breakdowns to help you analyze trends for your current exam preparation.
NIACL AO Prelims Cut off 2018: Category-wise
Refer to the following table for the NIACL Prelims cut-off marks for Company Secretary, Legal, Finance & Accounts, and Generalist posts, indexed by candidate category.
| Discipline | SC | ST | OBC | UR | HI | OC | VI | ID/MD |
|---|---|---|---|---|---|---|---|---|
| Company Secretary | – | – | – | 36.75 | – | – | – | – |
| Legal | 20.25 | 14.50 | 16.75 | 36.25 | – | 18.25 | – | – |
| Finance & Accounts | 47.00 | 28.25 | 46.25 | 56.50 | 34.50 | – | 36.50 | – |
| Generalist | 70.50 | 61.00 | 75.75 | 80.25 | 45.25 | 69.50 | 72.25 | 34.00 |
NIACL AO Prelims Cut off 2018: Sectional Cut off
| Discipline | Test | SC/ST/OBC/PwD | UR |
|---|---|---|---|
| Company Secretary | English Language | 9.75 | 12.50 |
| Reasoning Ability | 3.25 | 6.00 | |
| Quantitative Aptitude | 3.25 | 5.75 | |
| Legal | English Language | 8.75 | 12.25 |
| Reasoning Ability | 2.75 | 5.75 | |
| Quantitative Aptitude | 1.50 | 4.00 | |
| Finance & Accounts | English Language | 8.75 | 12.25 |
| Reasoning Ability | 5.25 | 8.75 | |
| Quantitative Aptitude | 4.00 | 7.25 | |
| Generalist | English Language | 10.75 | 14.00 |
| Reasoning Ability | 11.25 | 15.50 | |
| Quantitative Aptitude | 7.25 | 10.75 |
NIACL AO Prelims Cut Off 2018: State-wise Cut off
| NIACL AO Prelims Cut Off 2018 | ||||
| State | SC | ST | OBC | GEN |
| Andaman & Nicobar (Port Blair) | – | – | 53.25 | 74.25 |
| Andhra Pradesh | – | 73.50 | – | 88.25 |
| Assam | 75.75 | 69.75 | 78.00 | 83.75 |
| Bihar | – | – | – | 88.25 |
| Chandigarh (UT) | 76.00 | – | 77.50 | 87.75 |
| Chattisgarh | 74.25 | 67.25 | – | 86.75 |
| Delhi | 80.25 | 72.00 | 82.50 | 89.25 |
| Goa | – | – | – | 69.00 |
| Gujarat | 78.25 | 64.50 | 71.50 | 82.75 |
| Haryana | 77.50 | – | – | 89.00 |
| Himachal Pradesh | 77.75 | – | – | 87.25 |
| Jammu & Kashmir | 75.50 | 64.25 | – | 86.50 |
| Jharkhand | 76.50 | – | – | 88.00 |
| Karnataka | 71.75 | 70.00 | 75.75 | 81.25 |
| Kerala | 79.75 | – | 86.25 | 89.00 |
| Madhya Pradesh | 77.25 | 59.25 | – | 86.75 |
| Odisha | 79.00 | 69.00 | 86.50 | 88.00 |
| Puducherry | – | – | – | 79.50 |
| Punjab | 76.25 | – | – | 90.00 |
| Rajasthan | 82.00 | 73.00 | 84.00 | 88.75 |
| Tamil Nadu | 75.75 | 61.25 | – | 84.50 |
| Telangana | 83.00 | 74.00 | – | 86.00 |
| Tripura | – | 53.00 | – | 85.75 |
| Uttar Pradesh | 80.75 | – | 84.50 | 89.00 |
| Uttarakhand | – | 74.00 | – | 88.75 |
| West Bengal | 83.00 | 64.50 | 82.25 | 91.00 |
NIACL AO Mains Cut Off 2018
The NIACL AO Mains is a 200-mark assessment. In 2018, the final cut-offs were established using category-wise, section-wise, and post-wise criteria. The complete 2018 Mains cut-off structure is detailed below.
NIACL AO Mains Cut Off 2018: Category-wise
| Discipline | SC | ST | OBC | UR | HI | OC | VI | ID/MD |
|---|---|---|---|---|---|---|---|---|
| Company Secretary | – | – | – | 102 | – | – | – | – |
| Legal | 67.25 | 52.75 | 67.75 | 87.75 | – | 45.25 | – | – |
| Finance & Accounts | 81 | 64.75 | 89.25 | 99 | No students Qualified | – | 71.75 | – |
| Generalist | 108 | 95.25 | 118.25 | 126.5 | 82 | 113.75 | 115.25 | 86.5 |
NIACL AO Mains Cut Off 2018: Overall Cut Off
The following table displays the overall NIACL AO Prelims 2018 cut-off marks for the Generalist post.
| NIACL AO Mains Cut Off: Overall | ||
|---|---|---|
| Test | SC, ST, OBC, PwBD | UR |
| Reasoning Ability (50) | 17.75 | 21 |
| English Language (50) | 10.5 | 14.5 |
| General Awareness (50) | 6.5 | 10.5 |
| Quantitative Aptitude (50) | 17.25 | 20.25 |
NIACL AO Mains Cut off 2018: Sectional Cut Off
Consult the table below for a breakdown of NIACL AO Mains cut-off marks per section—Reasoning, English, General Awareness, Quantitative Aptitude, and Professional Knowledge—for specialized and Generalist roles.
| Discipline | Test | SC, ST, OBC, PwBD | UR |
|---|---|---|---|
| Company Secretary | Reasoning Ability (40) | 4.8 | 5 |
| English Language (40) | 8.5 | 12.5 | |
| General Awareness (40) | 4.0 | 7.0 | |
| Quantitative Aptitude (40) | 3.25 | 7.0 | |
| Professional Knowledge (40) | 13.5 | 16.0 | |
| Legal | Reasoning Ability (40) | 1 | 4.5 |
| English Language (40) | 4.75 | 8.5 | |
| General Awareness (40) | 1 | 4 | |
| Quantitative Aptitude (40) | 1 | 3.25 | |
| Professional Knowledge (40) | 3 | 5.5 | |
| Finance & Accounts | Reasoning Ability (40) | 2.75 | 6.25 |
| English Language (40) | 6.5 | 10.5 | |
| General Awareness (40) | 2.5 | 5.5 | |
| Quantitative Aptitude (40) | 1.5 | 5.25 | |
| Professional Knowledge (40) | 1 | 3.25 |
NIACL AO Cut off 2018: Descriptive Paper
View the qualifying cut-off marks for the NIACL AO Mains Descriptive Exam 2018 (out of 30) below.
| Category | Cut Off |
|---|---|
| SC | 13.50 |
| ST | 13.50 |
| OBC | 15.00 |
| UR | 15.00 |
| HI | 13.50 |
| OC | 13.50 |
| VI | 13.50 |
| ID/MD | 13.50 |
How to check NIACL AO Cut Off?
To verify your NIACL AO cut-off status, follow these official procedures:
- Go to the official website of the National Insurance Company Limited (NIACL).
- On the homepage or under the “Recruitment” section, you should find a link or banner related to the NIACL AO recruitment.
- After the results are declared, the cut-off marks will typically be announced on the same page or under a separate notification.
- Click on the link or notification related to the NIACL AO Cut Of.
- The cut-off marks for each category (General, OBC, SC, ST) will be listed on the page.
Factor Affecting NIACL AO Cut Off
While these represent general standards, actual cut-offs fluctuate based on specific exam-year conditions. Key factors affecting the NIACL AO cut-off include:
- Number of Applicants: A higher number of applicants generally leads to a higher cut-off.
- Difficulty Level of the Exam: A more difficult exam can result in a lower cut-off.
- Number of Vacancies: A higher number of vacancies can lead to a lower cut-off.
- Reservation Policy: The government’s reservation policy for different categories (General, OBC, SC, ST) can affect the cut-off.
- Normalisation: If normalisation is applied, the cut-off can be adjusted based on the difficulty level of different exam shifts.
FAQs
Detailed post-wise and category-wise NIACL AO Prelims cut-off marks are provided in this comprehensive guide.
To qualify for the subsequent recruitment phase, candidates must surpass both the sectional and overall NIACL AO cut-off benchmarks.