The National Insurance Company Limited (NICL) will release the NICL AO Cut Off 2026 following the announcement of the Prelims results. To advance, candidates must clear both sectional and overall qualifying marks. Factors such as exam difficulty, available vacancies, and applicant competition significantly influence these thresholds. Find the latest expected category-wise cut-off data and exam trends here.
The official NICL AO Cut Off 2026 will be published by the National Insurance Company Limited on their official portal, nationalinsurance.nic.co.in. These benchmarks represent the minimum scores candidates must achieve to qualify for subsequent selection stages. Only those meeting or exceeding these cut-off marks will progress further in the NICL AO recruitment process.
This comprehensive guide provides everything you need to know regarding the NICL AO Cut Off 2026, including projections for the upcoming exam, detailed analysis of previous years' cut-off trends, the primary factors that determine these marks, and other vital recruitment insights.
Understanding the NICL AO Cut Off 2026
The cut-off acts as the critical barrier between stages in the multi-level selection process, which includes the Prelims, Mains, and Interview. Candidates are required to maintain passing scores in each individual section as well as achieve the aggregate overall cut-off. These scores are calculated category-wise and are heavily impacted by variables such as overall exam difficulty, total vacancy numbers, and the competitive performance of the applicant pool.
Latest: NICL AO Notification 2026 Details & Exam Updates
Analysis of NICL AO Previous Year Cut Off
Reviewing previous year NICL AO cut-off marks provides essential data for understanding the exam's competitive nature. Since these figures fluctuate based on vacancy shifts and test complexity, analyzing historical trends allows aspirants to set realistic scoring goals and refine their study strategies for better accuracy.
NICL AO Cut Off 2025
The NICL AO 2025 cut-off marks are detailed below. These scores vary significantly based on applicant numbers, total seat availability, and specific category criteria, including General, OBC, SC, and ST classifications.
NICL AO Phase 1 Sectional Cut Off 2025
The NICL AO Prelims Cut Off 2025 was released across various disciplines, including Generalist, Legal, Finance, IT, Medical, and Automobile Engineering. These cut-offs mandate that candidates clear specific hurdles in the Reasoning, English Language, and Quantitative Aptitude sections to qualify for the next recruitment phase.
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NICL AO Phase I Examination 2025 Section-wise Cut-Off Marks
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| Post | Category | English Language (Out of 30) | Reasoning Ability (Out of 35) |
Quantitative Aptitude (Out of 35)
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| Generalist | SC, ST, OBC & PwBD | 13.25 | 6.75 | 7.25 |
| EWS & UR | 16.25 | 11 | 10.5 | |
| Doctors (MBBS), Legal, Finance, Information Technology, Automobile Engineers | SC, ST, OBC, PwBD | 7 | 1 | 1 |
| EWS, UR | 10 | 2 | 3.75 | |
NICL AO Phase 1 Category-wise Cut Off 2025
The NICL AO Phase I Cut Off 2025 is categorized by stream and social category, reflecting the minimum score required out of the 100-mark total for each specific role.
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NICL AO Phase I 2025 Post-wise & Category-wise Cut-Off Marks (Out of 100)
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| Post | SC | ST | OBC | EWS | UR | PwBD (A) | PwBD (B) | PwBD (C) |
PwBD (D & E)
|
| Generalist | 64.75 | 58.25 | 70.5 | 69.5 | 70.75 | 58 | 38 | – | – |
| Doctors (MBBS) | 9.75* | 15.25* | 17.50$ | 17.50* | 17.50* | – | – | – | – |
| Legal | 46.25 | 40.75 | 43 | 46.75 | 52 | 28.75 | 15.00* | 38.25 | 23.75 |
| Finance | 56.25 | 53.25 | 65 | 66 | 66 | – | – | – | – |
| Information Technology | 56 | 46.75 | 56.75 | 56 | 58.75 | – | – | – | – |
| Automobile Engineers | 20.00$ | 20.00$ | 20.00$ | 20.00% | 20.00* | – | – | – | – |
NICL AO Phase 1 Cut Off 2024
Examining the NICL AO Prelims Cut Off 2024 allows candidates to gauge the level of competition from the previous cycle. Below are the category-specific and sectional cut-off details for that year.
| Category-wise and Section-wise Cut off for Phase 1 | ||||
| Post Category |
Applicable Categories
|
English (Out of 30) | Reasoning Ability (Out of 35) | Quantitative Aptitude (Out of 35) |
| LEGAL, FINANCE, INFORMATION TECHNOLOGY, GENERALIST |
SC, ST, OBC & PwBD
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12.75 | 5.25 | 4.25 |
| EWS & UR | 16 | 10.5 | 8.25 | |
| ACTUARIAL | OBC & PwBD | 12.75 | 5.25 | 4.25 |
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SC, ST, EWS & UR
|
16 | 10.5 | 8.25 | |
| DOCTORS (MBBS), AUTOMOBILE ENGINEERS |
SC, ST, OBC, PwBD
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7.75 | 1 | 1 |
| EWS, UR | 11 | 2.75 | 2.5 | |
| Post-wise and Category-wise Final Cut off Marks for Phase 1 (Out of 100) | |||||||||
| Post | SC | ST | OBC | EWS | UR | PwBD (A) | PwBD (B) | PwBD (C) | PwBD (D & E) |
| GENERALIST | 74.5 | 66.75 | 79.50 | 79.50 | 79.5 | 69.75 | 37.25 | 61.25 | 30.50 |
| DOCTORS (MBBS) | 15.00 | 13.25 | 13.50 | 20.75 | 20.75 | 21.75 | 34.00 | 29.00 | 30.25 |
| LEGAL | 37.25 | 26.25 | 37.25 | 37.25 | 37.25 | ||||
| FINANCE | 59 | 43.75 | 65.75 | 65.75 | 65.75 | ||||
| ACTUARIAL | – | – | 65.5 | – | 65.5 | ||||
| INFORMATION TECHNOLOGY | 61 | 55.5 | 63.75 | 61.75 | 63.75 | ||||
| AUTOMOBILE ENGINEERS | 21.00 | 19.25 | 21.00 | 19.50 | 21 | ||||
NICL AO Phase 2 Cut Off 2024
The Mains examination is evaluated out of 250 marks, with an additional 30-mark Descriptive paper. Descriptive scores are included for those who meet the primary Mains cut-off threshold. View the detailed NICL AO Phase 2 Exam 2024 results below.
Download Official NICL AO Cut Off 2024 PDF Here
NICL AO Previous Year Cut Off Marks 2017
During the 2017 recruitment cycle for 205 vacancies, NICL established specific qualifying thresholds. Candidates can review these historical category-wise and sectional cut-off marks for reference.
| NICL AO Previous Prelims Year Cut off Marks 2017 | ||
| Subjects | UR | SC/ST/OBC/PWD |
| English | 12.25 | 8 |
| Reasoning Ability | 20.50 | 16.75 |
| Quantitative Aptitude | 9.75 | 7.25 |
| General Awareness | 13.25 | 10 |
NICL AO Prelims Overall Cut Off
Analyze the 2017 Prelims overall cut-off scores to understand historical qualifying standards. With 100 questions totaling 100 marks, success in reaching the Mains exam required candidates to meet both minimum sectional requirements and the overall aggregate score.
| NICL AO Prelims Overall cut off marks | |
| Category | Cut Off Marks |
| UR | 65.50 |
| OBC | 59.25 |
| SC | 57.25 |
| ST | 51.25 |
| HI | 26.50 |
| VI | 55.50 |
NICL AO Main Exam Cut Off 2017
The 2017 Mains examination was scored out of 200 marks. The category-wise qualifying marks below reflect the competitive landscape of that year, where each of the five subjects accounted for 40 marks.
| NICL AO Main Cut Off 2017 | |
| Category | Cut off Marks |
| UR | 99.25 |
| OBC | 88.25 |
| SC | 81.25 |
| ST | 72.25 |
| HI | 67.50 |
| VI | 84.75 |
NICL AO Main Descriptive Cut Off 2017
Beyond the objective paper, candidates were required to clear a qualifying score for the 30-mark Descriptive section. The official 2017 descriptive cut-off data is provided below.
| NICL AO Main Descriptive Cut off 2017 Marks | |
| Category | Cut off Marks |
| UR | 15 |
| OBC | 15 |
| SC | 13.5 |
| ST | 13.5 |
| HI | 13.5 |
| VI | 13.5 |
Factors Determining the NICL AO Cut Off 2026
The following variables will influence the final NICL AO Cut Off 2026:
- Difficulty Level of the Exam
- Number of Vacancies
- Number of Candidates Appearing
- Overall Performance of Candidates
- Normalization Process
| Important Links: | |
| NICL AO Syllabus |