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What is NIACL?

NIACL stands for the New India Assurance Company Limited. It is a leading public sector general insurance company in India. Established in 1919, NIACL offers a wide range of insurance products, including motor, health, travel, fire, marine, and rural insurance. It operates both in India and internationally, providing insurance solutions to individuals, businesses, and government organizations. NIACL is known for its strong financial performance and customer-centric approach in the insurance industry.

NameNIACL Exam
Conducting BodyNew India Assurance Company Limited (NIACL)
Exam LevelNational Level
Exam FrequencyConducted periodically as per the requirements
Exam TypeCompetitive Exam
Post OfferedAdministrative Officer (AO)
Eligibility CriteriaBachelor’s degree or equivalent from a recognized university, age limit, etc.
Selection ProcessPreliminary Exam, Main Exam, Interview
Exam PatternPreliminary Exam: Objective-type questions; Main Exam: Objective + Descriptive questions
Subjects CoveredEnglish Language, Reasoning Ability, Quantitative Aptitude, General Awareness, etc.
Negative MarkingApplicable in objective-type sections
Official Website

Age Criteria

  • Minimum Age: The minimum age required to apply for the NIACL AO exam is usually 21 years.
  • Maximum Age: The maximum age limit may vary depending on the category of the candidate. The upper age limit for general category candidates is typically around 30 years.
  • However, age relaxations are provided for candidates belonging to reserved categories such as SC, ST, OBC, and PWD as per the government norms.

Educational Qualification

  • Candidates applying for NIACL exams must possess a Bachelor’s Degree or an equivalent qualification from a recognized university or institution.
  • Additional qualifications or specific educational requirements may vary depending on the specific job role or position applied for within NIACL.
  • For some specialized positions, candidates may be required to hold specific degrees or certifications relevant to the field, such as Actuarial Science, Law, or Engineering.

Exam Paper Pattern

NIACL Exam consist of three stages:
1. Preliminary Exam
2. Main Exam
3. Interview

Stage Examination Type Format Sections Duration Total Marks Notes
Preliminary Objective Multiple Choice Questions (MCQs) English Language, Reasoning Ability, Quantitative Aptitude 1 hour Varies – Prelims are qualifying in nature. – Marks not considered for final selection.
Main Objective & Descriptive Objective: MCQs, Descriptive: Essay, Letter Writing English Language, Reasoning, General Awareness, Quantitative Aptitude, English (Essay, Letter Writing) Varies Varies – Objective section usually around 200 marks. – Negative marking applies for incorrect answers in the Objective section.
Interview Interview Face-to-Face Interview Assessing candidate’s suitability, communication skills, knowledge, etc. Varies Varies – Candidates shortlisted based on Main Exam performance. – Final selection based on Main Exam and Interview performance.

Preliminary Exam

Section Number of Questions Marks
English Language 30 30
Reasoning Ability 35 35
Quantitative Aptitude 35 35
Total 100 100
Duration 60 minutes
  • The preliminary exam is conducted for screening purposes and is of qualifying nature.
  • It generally consists of multiple-choice questions (MCQs).
  • The sections included in the preliminary exam may vary but typically cover subjects like English Language, Reasoning Ability, and Quantitative Aptitude.
  • The duration of the preliminary exam is usually around 1 hour.
  • Candidates must achieve the minimum qualifying marks in each section to be eligible for the main exam.

Main Exam

SectionNumber of QuestionsMarksDuration
Reasoning Ability & Computer Aptitude5050120 mins
General/Economy/Banking Awareness5050 
English Language5050 
Quantitative Aptitude5050 
Descriptive Test30 
  • It consists of objective-type MCQs as well as descriptive questions.
  • The objective-type questions cover subjects such as Reasoning Ability, English Language, General Awareness, Quantitative Aptitude, and Computer Knowledge.
  • The descriptive section usually involves Essay Writing, Letter Writing, and/or Precis Writing.
  • The duration of the main exam can vary but is typically around 2 hours.
  • Candidates must qualify in each section and secure the minimum overall cutoff marks.


  • Candidates who qualify in the main exam are shortlisted for the interview stage.
  • The interview assesses the candidate’s communication skills, personality, knowledge, and suitability for the role of an Administrative Officer.
  • The interview carries a specific weightage in the final selection process.

NIACL Exam Syllabus

Preliminary Exam Syllabus

English LanguageReading Comprehension, Cloze Test, Error Spotting, Fill in the Blanks, Para Jumbles, Vocabulary
Reasoning AbilitySyllogism, Alphanumeric Series, Coding-Decoding, Inequality, Blood Relations, Seating Arrangement, Puzzles
Quantitative AptitudeSimplification, Number Series, Data Interpretation, Quadratic Equations, Time and Work, Time and Distance, Profit and Loss, Average, Percentage, Ratio and Proportion

Main Exam Syllabus

Reasoning Ability & Computer AptitudeSeating Arrangement, Puzzles, Blood Relations, Syllogism, Coding-Decoding, Input-Output, Verbal Reasoning, Computer Knowledge
General/Economy/Banking AwarenessBanking Awareness, Financial Awareness, Current Affairs, Static GK
English LanguageReading Comprehension, Cloze Test, Error Spotting, Sentence Improvement, Vocabulary, Grammar
Quantitative AptitudeData Interpretation, Data Sufficiency, Number Series, Quadratic Equations, Arithmetic Problems
Descriptive Test (Essay Writing, Letter Writing, etc.)Essay Writing, Letter Writing, Precis Writing

Salary Structure

ComponentAmount (Approximate)
Basic PayRs. 32,795 – Rs. 62,315 (Varies by scale)
Dearness Allowance (DA)Based on the percentage of the basic pay
House Rent Allowance (HRA)Varies based on the location of posting
City Compensatory Allowance (CCA)Varies based on the location of posting
Special Allowance7.75% of the basic pay
Other AllowancesIncludes conveyance allowance, medical allowance, etc.
Gross SalaryApproximate range: Rs. 56,000 – Rs. 85,000
Pension, Gratuity, and other benefitsAs per the rules and regulations of NIACL

Frequently Asked Questions

NIACL AO stands for New India Assurance Company Limited Administrative Officer. It is a managerial role in the New India Assurance Company Limited, one of the largest insurance companies in India.

Candidates can apply for NIACL AO through the online application process on the official NIACL website. They need to fill out the application form, upload necessary documents, and pay the application fee as per the instructions provided.

The selection process for NIACL AO typically involves a preliminary exam, a main exam, and an interview. Candidates who qualify in each stage will be considered for final selection.

Yes, there is usually a provision for negative marking in NIACL AO exams. For each incorrect answer, a certain fraction of marks (e.g., 1/4th or 1/2nd) may be deducted as per the exam pattern.

As an NIACL AO, the job profile involves tasks such as underwriting insurance policies, handling claims, assessing risks, marketing and sales of insurance products, customer service, and administrative duties.

Typically, there are no specific work experience requirements for NIACL AO. Fresh graduates can apply for entry-level positions, and candidates with prior work experience in the insurance or related industries may also be eligible.

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