NIACL AO Mains Cut Off 2025: Category-wise & Post-wise Qualifying Marks
The official NIACL AO Mains Cut Off 2025 was released on January 1, 2026, on the official portal, newindia.co.in. Candidates who appeared for the Mains examination can review the category and section-wise qualifying marks in this comprehensive guide.
NIACL AO Mains Cut Off 2025
The NIACL AO Cut Off 2025 serves as a critical benchmark for candidates to evaluate their performance. These thresholds are determined by various factors, including the difficulty level of the exam, the total number of vacancies, and overall candidate performance across SC, ST, OBC, EWS, UR, and PwBD categories. Detailed post-wise and sectional data is provided 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 Score Card 2025 Released - Check Here
NIACL AO Mains Result 2025 Released - Check Here
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 2025 Category-wise
The following table outlines the category-wise marks (out of 100) for all disciplines, including Generalist and specialist roles. The highest cut-off was observed in the Generalist (UR) category at 76.75 marks. Conversely, specialized streams like Actuarial and Company Secretary required lower qualifying scores, reflecting variations in competition levels.
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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
The section-wise qualifying cut-off marks for the NIACL AO Prelims exam are presented in the table below.
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Section-Wise Marks – Phase I Online Examination 2025
|
||
| 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 Previous Year Cut Off
NIACL AO previous year cut-offs fluctuate based on applicant volume and exam difficulty. Analyzing historical trends helps aspirants gauge expected score ranges. It is advisable to aim significantly higher than the previous year's benchmarks. Below, we provide the comparative cut-off data for the 2018 and 2023 exam cycles.
NIACL AO Prelims Cut Off 2024
Please refer to the following table for the category-wise qualifying marks calculated out of 100.
| 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 can check their official Mains score against the qualifying thresholds. These scores are evaluated based on a 200-mark scale, reflecting both the complexity of the papers and the number of available vacancies.
| 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 comprehensive NIACL AO Prelims cut-off data. We have compiled the category-wise and post-wise qualifying marks for 2023 in the table below for your reference.
NIACL AO Prelims Cut off 2023: Post-wise
The 2025 Prelims results show diverse cut-off ranges across specializations. Generalist cut-offs spanned from 72.75 (SC) to 81.75 (EWS). Risk Engineers ranged from 46.25 (ST) to 65 (UR), while Legal Officers required scores between 24.50 (ST) and 44.75 (EWS). IT Specialists faced cut-offs ranging from 55.50 (SC) to 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 exhibited sectional variance. For Generalists, the English section held the highest cut-off at 24.25 (General), while Quantitative Aptitude had a minimum threshold of 5.25 for reserved categories. Reasoning Ability requirements were set at 5.50 for Generalists and 10 for reserved 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
The data provided below covers the NIACL AO Mains examination. Candidates can verify the 2023 category-wise, sectional, and descriptive paper cut-offs in the table provided.
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-offs were officially published on December 24, 2021, alongside individual scorecards. The category-specific and sectional data for that recruitment drive is detailed 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
We have outlined the NIACL AO Mains exam cut-off marks below. This includes the category-wise and descriptive paper requirements for Phase 2. Refer to this section for a full breakdown of sectional and overall qualifying standards.
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
The following table displays the NIACL AO Prelims 2018 cut-off marks (out of 100). This data includes state-wise and sectional breakdowns to help you analyze historical patterns for future preparation.
NIACL AO Prelims Cut off 2018: Category-wise
Review the table below to identify the NIACL cut-off marks for Prelims across various disciplines, including Company Secretary, Legal, Finance & Accounts, and Generalist posts.
| 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 200-mark NIACL AO Mains examination from 2018 utilized specific category, sectional, and post-wise criteria for determining cut-offs. The official 2018 Mains cut-off structure is provided below for comparative analysis.
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
This table illustrates the NIACL AO Prelims overall qualifying marks for the Generalist post during the 2018 recruitment cycle.
| 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
Refer to the data below for the NIACL AO Mains sectional cut-offs in Reasoning, English, General Awareness, Quantitative Aptitude, and Professional Knowledge, broken down by post.
| 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
The following details the cut-off marks for the 2018 NIACL AO Mains Descriptive Exam, calculated out of 30 marks.
| 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?
Follow these simple steps to check your official NIACL AO cut-off status:
- 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 individual results vary, several core factors influence the final NIACL AO cut-off. Key considerations 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
Yes, the official NIACL AO Cut Off 2025 for both Generalist and Specialist disciplines was successfully released on January 1, 2026.
Detailed post-wise and category-wise NIACL AO Prelims cut-off marks are comprehensively provided within this article.
To be shortlisted for the subsequent phase, candidates must surpass both the sectional and overall NIACL AO qualifying cut-offs.