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Exam Highlights
  • Exam Name
  • Mode of Conduction
  • Official Website
  • Medium of the exam
    English and Hindi
  • Marking Scheme
    -0.25 for incorrect ans
Exam Dates
  • Official Notification
    to be announced
  • Start of Registration Process
    to be announced
Eligibilty Criteria

Candidates appearing for the NIACL AO examination must convince the following terms:

  • Nationality
  • Educational quality
  • Age limit and relaxations


To take up the examination, a candidate must fall under any of the following categories:

  • An Indian citizen,
  • A candidate of Nepal,
  • A subject from Bhutan,
  • A Tibetan permanent immigrant who had come to India to settle before January 1, 1962.
  • A candidate of Indian origin who has migrated from Pakistan, Burma, Sri Lanka, East African countries of Kenya, Uganda, Zambia, Zaire, Malawi, the United Republic of Tanzania and Vietnam.
  • The Government of India should have issued the immigrants the immigrant candidates with a certificate of eligibility.

Educational qualification

The minimum qualification needed for a candidate to appear for the NIACL AO examination is either an undergraduate degree or a postgraduate degree from any state/central government acknowledged university.

  • Candidates who belong to SC/ST/PWD/EWC categories should at least have a minimum score of 55%.
  • Candidates under the categories of General/OBC should at least have a minimum score of 60%.

For the candidates applying for the position of specialist cadre, the minimum qualifications are mentioned below.

Discipline Minimum qualification for SC/ST/PWD/EWC candidates Minimum qualification for General/OBC candidates
Company Secretary ACS/FCS from ICSI and an undergraduate degree or a postgraduate degree in any discipline with a minimum of 60%. ACS/FCS from ICSI and an undergraduate degree or a postgraduate degree in any discipline with a minimum of 60%.
Legal officer An undergraduate degree or postgraduate degree in law with a minimum of 55%. An undergraduate degree or postgraduate degree in law with a minimum of 60%.
Finance and Accounts Chartered accountant/ An UG or PG degree in any discipline/Cost and management accountant/MBA finance or PGDM finance with a minimum score of 55%. Chartered accountant/ An UG or PG degree in any discipline/Cost and management accountant/MBA finance or PGDM finance with a minimum score of 60%.

(*Candidates with MBA finance or PGDM finance degrees must provide their certificate from the University of graduation supporting their domain. If failed to deliver, shall be disqualified from appearing for the interview)

Salient features related to educational qualification to appear for the exam:

  • The educational qualification of a candidate must be from a university/Board/Institution that is recognized by the government of India.
  • Results of the UG/PG degree should've been declared before or on 1.12.2020.
  • Proper submission of documents from the Board/Institution/University is mandatory.
  • The percentage shall be calculated by dividing the total score obtained by the candidate in all the semesters aggregate by maximum marks in every subject.
  • A situation where the candidate is near the border and still fails to obtain a minimum percentage shall be disqualified.
  • Candidates who graduated from universities that grant CGPA/OGPA will have to deliver a certificate issued by the appropriate inter alia acknowledging the norms of the University regarding the conversion of grades into percentages.

Age Limit & Age Relaxation

  • The minimum age limit for the candidates to appear for the examination is 21 years.
  • The maximum age limit for a candidate to appear for the exam is 30 years.

A few relaxations made for the candidates under several reserved categories are:

Category Relaxation of age
Scheduled caste & Scheduled tribes Five years
Other backward classes Three years
Candidates with criterion disabilities (defined under "The rights of persons with disabilities Act, 2016") Ten years
Ex-serviceman/Disabled while serving the country. Five years
Defence service personnel disabled in operation during the hospitalities with other countries or survived in a disturbed area and released. Three years
Candidates who are ordinarily domiciled in the state of Jammu and Kashmir. Five years
Candidates who are confirmed employees of the public sector general insurance companies include GIC and Agricultural insurance company of India limited. Eight years
Exam Pattern

The new India assurance company limited decides the NIACL AO exam pattern to follow.

The selection process of a candidate is subdivided into four recruitment stages-

  • Preliminary stage:
    • This stage of the recruitment process contains three sections i, e: English language, quantitative aptitude and reasoning ability.
    • The mode of examination is online.
    • Questions are of the objective type that carries a total score of 100.
  • Mains exam:
    • The main stage of the examination is divided into two parts, namely an objective test and a descriptive test with four sections each.
    • The objective analysis carries maximum marks of 200 while the maximum marks the descriptive test takes is 30.
    • The four sections of the mains exam are the English language, reasoning ability, quantitative aptitude and general awareness.
  • Interview:
    • Candidates who qualify for the previous examinations/stages would be called for an interview.
    • The weightage ratio of online exams and interviews is 80:20.
  • Final selection:
    • The final selection process of NIACL AO examination relies on the compressed marks of the mains exam and the interview stage.

Quantitative Aptitude

The section, quantitative aptitude is very vital as it is available in question papers of both preliminary and main examinations. Questions of this section are based on the following topics-

  • Simplification
  • Numbering series
  • Percentage
  • Profit & loss
  • Average
  • Ration & proportion
  • Simple interest & compound interest
  • Age-based Problems
  • Time & work
  • Pipe & cistern
  • Partnership
  • Speed, time & distance
  • Allegation & mixture
  • Train, boat & stream
  • Mensuration

Reasoning Ability

This section is seen both in the preliminary and main stage of the examinations. The essential topics of this section are-

  • Alphabetic series
  • Blood relation
  • Coding-Decoding
  • Order ranking
  • Directions
  • Syllogism
  • Inequality
  • Input-output
  • Data sufficiency
  • Seating Arrangement
  • Puzzles
  • Logical reasoning

English Language

This section is also seen in both preliminary and main stages of the examination. The critical areas of this section a candidate should concentrate on are:

  • Fill in the blanks
  • Para Jumbles
  • Cloze Test
  • Reading-comprehensions
  • Error spotting
  • Phrase replacement
  • Sentence correction
  • Para completion
  • Vocabulary

General Awareness

The significant areas a candidate should follow to gain a decent mark in this section is

  • Current Affairs of the nation and worldwide
  • Banking & Insurance Awareness
  • Finance Awareness
  • Policies and schemes of the government
  • Static Awareness

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