Table of Contents
The NIACL AO Cut Off marks represent the minimum scores candidates must achieve to progress in the selection process. Issued by the New India Assurance Company Limited (NIACL), cut-offs are published separately for the Prelims, Mains, and final selection stages along with scorecards. To aid aspirants in planning their preparation, this article provides the expected NIACL AO 2025 Prelims cut-off, along with previous year trends for both Generalist and Specialist posts.
Check – NIACL AO Prelims Exam Analysis 2025, 2nd Shift
NIACL AO Cut Off 2025
The NIACL AO Cut Off 2025 allows candidates to evaluate their performance and see how close they were to the qualifying marks. Cut-offs differ across categories such as SC, ST, OBC, EWS, UR, and PwBD, depending on factors like exam difficulty, number of vacancies, and overall candidate performance. Candidates who meet or exceed the cut-off will move on to the final stage, the Pre-employment Medical Examination.
NIACL AO Expected Cut Off 2025
The New India Assurance Company Limited (NIACL) held the AO Prelims Exam 2025 on 14th September 2025. Candidates who appeared are eagerly waiting for the expected cut-off marks to assess their performance. Based on expert analysis of both shifts, the predicted cut-offs are provided below for reference. The official category-wise and post-wise cut-offs will be released later. Meanwhile, aspirants can check the NIACL AO Expected Cut Off 2025 here.
| Category |
Cut-Off for Generalists
|
| Scheduled Caste (SC) | 73-77 |
| Scheduled Tribe (ST) | 67-72 |
| Other Backwards Caste (OBC) | 76-83 |
| Economically Weaker Section (EWS) | 76-83 |
| Unreserved (UR) | 76-83 |
NIACL AO Previous Year Cut Off
The NIACL AO previous year cut-offs are influenced by factors such as the number of applicants, exam difficulty, and category (General, OBC, SC, ST). Reviewing past cut-offs helps candidates estimate the expected range and evaluate their performance. Since cut-offs change each year, it is recommended to target a score above the expected cut-off. Below are the NIACL AO Prelims and Mains cut-offs from 2018 and 2023.
NIACL AO Prelims Cut Off 2024
Check the category-wise cut off marks out of total 100 in the table below.
| 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 took the Mains exam can check the official cut-off, which depends on the exam’s difficulty and the number of vacancies. Check obtained marks out of 200 marks 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
|
NIACL AO Final Cut Off (Out of 100) – Category-wise for Pre-employment Medical Examination
|
|||||||||
| 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
Here, we provide the NIACL AO Cut off for the preliminary exam. Candidates can check the category-wise and post-wise NIACL AO prelims cut-off data for 2023. Check the table below for NIACL AO Prelims Cut off 2023 marks.
NIACL AO Prelims Cut off 2023: Post-wise
The data presents the NIACL AO Prelims 2025 cut-offs across different categories and specialisations. For Generalists, cut-offs ranged from 72.75 (SC) to 81.75 (EWS). Risk Engineers saw cut-offs between 46.25 (ST) and 65 (UR), Legal Officers ranged from 24.50 (ST) to 44.75 (EWS), and IT Specialists had cut-offs 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 NIACL AO Prelims Cut Off for 2023 varied by section and discipline. For Generalists, the English Language had the highest cut-off at 24.25 for the General category, while the lowest cut-off was in Quantitative Aptitude at 5.25 for SC/ST/OBC/PwBD candidates. In Reasoning Ability, the cut-off was 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
Here, we provide the NIACL AO Cut off for Mains Exam. Candidates can check the category-wise, section-wise and descriptive paper NIACL AO Mains cut-off data for 2023. Check the table below for NIACL AO Cut off 2023 marks.
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
NIACL AO Prelims Cut Off 2021 was released by the NIACL on 24th December 2021 along with its scorecard and marks. The category-wise and sectional cut-offs for the NIACL AO 2021 prelims exam are mentioned 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 Exam cut off marks has been shared below. NIACL has released the Category-wise and Descriptive Cut Off for the NIACL AO Phase 2 Exam which is provided below. Check the categorywise, sectional, and over all cut off 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
Below, we have provided the NIACL AO Cut off marks for the NIACL AO Prelims 2018 exam, which are out of 100. This includes category-wise, state-wise, and section-wise cut-offs to help candidates better understand the expected pattern for the upcoming NIACL AO Exam.
NIACL AO Prelims Cut off 2018: Category-wise
Review the table below to find the NIACL Cut Off Marks for the Prelims Exam conducted for the posts of Company Secretary, Legal, Finance & Accounts, and Generalist. The tabulated data includes the cut-off marks categorized by different categories.
| 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 Exam is a 200-mark examination, and for the 2018 Mains Exam, the NIACL AO Cut Off was determined based on three criteria: Category-wise, Section-wise, and Post-wise. Given below is the NIACL AO Mains Cut Off 2018 Category-wise, Overall, and Sectional cut off.
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 table represents the NIACL AO Prelims Overall Cut-Off marks for different tests in the year 2018 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
Refer to the table below to find the NIACL AO Mains Cut Off marks for each section, namely Reasoning Ability, English Language, General Awareness, Quantitative Aptitude, and Professional Knowledge, separately for the posts of Company Secretary, Legal, Finance & Accounts, and Generalist.
| 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
Given below is the cut off for the NIACL AO Mains Descriptive Exam 2018 (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?
To check the NIACL AO Cut Off , follow these steps:
- 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
It’s important to note that these are general factors, and the actual cut-off can vary depending on specific circumstances. Candidates can check the several factors that affect the NIACL AO Cut Off:
- 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.
| Important Links Related to NIACL AO Recruitment | |
| NIACL AO Previous Year Question Paper | NIACL AO Salary |
| NIACL AO Syllabus | NIACL AO Books |
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