The National Insurance Company Limited (NICL) will release the NICL AO Cut Off 2026 for the Phase 1 exam on its official portal, nationalinsurance.nic.co.in. These cut-off scores represent the minimum marks candidates need to qualify in each section, category, and overall. Only those scoring at or above the prescribed cut-off will move ahead in the recruitment process. In this article, we provide the latest updates on the NICL AO Cut Off 2026, including the previous year’s cut off, factors affecting cut off, and more.
NICL AO Cut Off 2026
The cut off marks are the minimum qualifying marks required to move to the next stage of the selection process. The NICL AO selection process includes: Prelims Examination, Mains Examination, and the Interview. Candidates must qualify in each section separately, along with the overall cut off to move to the next stages of the selection process. The cut off is released category-wise and is influenced by various factors such as exam difficulty level, number of vacancies, and overall performance of candidates.
Factors Affecting NICL AO Cut Off 2026
Several factors determine the NICL AO Cut Off 2026:
1. Difficulty Level of the Exam
If the paper is difficult, the cut off generally decreases.
2. Number of Vacancies
Higher vacancies may lead to a comparatively lower cut off.
3. Number of Candidates Appearing
More candidates increase competition and may raise the cut off.
4. Overall Performance of Candidates
If most candidates score high marks, the cut off increases.
5. Normalization Process
If the exam is conducted in multiple shifts, normalization ensures fairness, which may slightly impact final cut off marks.
NICL AO Previous Year Cut Off
The NICL AO previous year cut-off marks provide valuable insights into the competitive landscape of the examination. These cut-off marks are influenced by factors such as the number of vacancies, the difficulty level of the exam, and overall candidate performance. Analyzing these trends can help aspirants set realistic targets and strategize their preparation effectively
NICL AO Cut Off 2025
The NICL AO 2025 Cut Off has been provided below. These cut-off scores differ based on factors such as the total number of candidates, exam difficulty level, and category-wise norms (General, OBC, SC, ST).
NICL AO Phase 1 Cut Off 2025 (Sectional)
The NICL AO Prelims Cut Off 2025 has been released category-wise and section-wise for different posts, including Generalist, Legal, Finance, IT, Doctors, and Automobile Engineers. The cut-off marks highlight the minimum qualifying scores candidates must secure in each section i.e., English Language, Reasoning Ability, and Quantitative Aptitude, to move forward in the recruitment process.
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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)
|
| 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 Cut Off 20255 (Category-wise)
The NICL AO Phase I Cut Off 2025 has been released post-wise and category-wise, showing the minimum marks required out of 100 for each stream.
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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
The NICL AO Prelims Cut Off 2024 will help candidates understand the competition and analyse their performance in the exam. The category-wise and section-wise cut off is as follows:
| 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
|
12.75 | 5.25 | 4.25 |
| EWS & UR | 16 | 10.5 | 8.25 | |
| ACTUARIAL | OBC & PwBD | 12.75 | 5.25 | 4.25 |
|
SC, ST, EWS & UR
|
16 | 10.5 | 8.25 | |
| DOCTORS (MBBS), AUTOMOBILE ENGINEERS |
SC, ST, OBC, PwBD
|
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 main exam was conducted for 250 Marks, and the Descriptive exam carries 30 Marks. Descriptive marks are added for the candidates who clear the Mains exam cut-off marks. Check out the NICL AO Phase 2 Exam 2024 Cut Off.
NICL AO Cut Off 2024 PDF- Click to Download
NICL AO Previous Year Cut off Marks 2017
The NICL Administrative Office Exam was previously held in 2017 for 205 Vacancies. Candidates should go through the category-wise sectional cut-off Marks.
| 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 marks
Take a look at the NICL AO Prelims 2017 overall cut-off marks to get an idea of the qualifying standards. The prelims exam consists of 100 questions carrying a total of 100 marks. To move on to the NICL AO Mains Exam, candidates must secure both the sectional and overall cut-off marks.
| 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 Cut Off 2017
The NICAL AO Mains Exam Category Wise Cut off Marks are mentioned below. The NICL AO Mains Exam 2017 is conducted for 200 Marks only. Each subject carries 40 Marks, and a total of 200 questions are asked for 200 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 Marks
Candidates who appeared for the mains exam should also qualify for the descriptive exam. The descriptive exam carries 30 Marks, and the NICL AO Mains Descriptive Cut off for 2017 is mentioned 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 |
| Important Links: | |
| NICL AO Syllabus |
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