NIACL Exams — 2026
Administrative Officer (AO) | Assistant
Exam Overview
- New India Assurance Company Limited (NIACL) is India's largest general insurance company and a Government of India enterprise. It provides motor, health, fire, marine, crop, and liability insurance products across India and 28 countries worldwide.
- Administrative Officer (AO): Scale-I officer post for managerial and specialist roles. Approximately 550 vacancies expected in 2026 across Generalist, Accounts, Actuarial, Legal, IT, and Automobile Engineering specializations. Eligibility: Bachelor's Degree with 60% (55% for SC/ST/PwBD), age 21-30 years. In-hand salary: ~Rs. 80,000-90,000/month.
- Assistant: Clerical cadre handling counter operations, claims processing, documentation, and customer service. Approximately 750-1,000 vacancies expected. Eligibility: Bachelor's Degree, age 21-30 years. In-hand salary: ~Rs. 35,000-42,000/month. No interview — selection based on Mains merit.
- All exams are online (Computer Based Test). Negative marking: -0.25 per wrong answer. Age relaxation: SC/ST +5 yrs, OBC +3 yrs, PwBD +10 yrs.
- Assam: NIACL has regional/branch offices in Guwahati and across Assam. Exam centres available in Guwahati. For Assistant post, proficiency in Assamese (regional language) is mandatory for Assam postings.
Exam Pattern
NIACL AO — Prelims
| Subject | Questions | Marks |
|---|---|---|
| English Language | 30 | 30 |
| Reasoning Ability | 35 | 35 |
| Quantitative Aptitude | 35 | 35 |
| Total | 100 | 100 |
Duration: 60 Minutes (20 min per section) | Negative Marking: -0.25 | Qualifying — marks not counted in final merit
NIACL AO — Mains (Objective)
| Subject | Questions | Marks |
|---|---|---|
| Reasoning & Computer Aptitude | 45 | 60 |
| General Awareness (Economy, Insurance, Finance) | 40 | 40 |
| Quantitative Aptitude & Data Interpretation | 45 | 60 |
| English Language | 30 | 40 |
| Total | 160 | 200 |
Duration: 120 Minutes | Negative Marking: -0.25 | + Descriptive Test: Essay & Precis Writing (30 marks, 30 minutes)
NIACL Assistant — Prelims
| Subject | Questions | Marks |
|---|---|---|
| English Language | 30 | 30 |
| Numerical Ability | 35 | 35 |
| Reasoning Ability | 35 | 35 |
| Total | 100 | 100 |
Duration: 60 Minutes (20 min per section) | Negative Marking: -0.25 | Qualifying
NIACL Assistant — Mains
| Subject | Questions | Marks |
|---|---|---|
| Reasoning Ability | 40 | 50 |
| English Language | 40 | 50 |
| Quantitative Aptitude | 40 | 50 |
| General Awareness (with special reference to Insurance) | 40 | 50 |
| Total | 160 | 200 |
Duration: 120-135 Minutes | Negative Marking: -0.25 | Followed by Regional Language Proficiency Test (qualifying)
Selection Process
NIACL AO
- Preliminary Examination (online, qualifying — 100 questions, 100 marks, 60 minutes)
- Main Examination (online — Objective: 160 questions, 200 marks, 120 minutes + Descriptive: 30 marks, 30 minutes)
- Interview (35 marks)
- Document Verification & Medical Examination
NIACL Assistant
- Preliminary Examination (online, qualifying — 100 questions, 100 marks, 60 minutes)
- Main Examination (online, merit-based — 160 questions, 200 marks, 120-135 minutes)
- Regional Language Proficiency Test (qualifying)
- Document Verification & Medical Examination
- No Interview — selection based on Mains merit
Posts & Salary Details
| Post | Vacancies (Expected) | Qualification | Basic Pay | In-hand (Approx.) |
|---|---|---|---|---|
| AO (Generalist) | ~350 | Graduation (60%) | Rs. 50,925 | Rs. 80,000-90,000 |
| AO (Accounts) | ~60 | CA / ICWA / MBA (Finance) | Rs. 50,925 | Rs. 80,000-90,000 |
| AO (Actuarial) | ~30 | Graduation + Actuarial Exams | Rs. 50,925 | Rs. 80,000-90,000 |
| AO (Legal) | ~40 | LLB / LLM | Rs. 50,925 | Rs. 80,000-90,000 |
| AO (IT) | ~50 | B.Tech / B.E. / MCA | Rs. 50,925 | Rs. 80,000-90,000 |
| AO (Automobile Engineering) | ~20 | B.Tech (Automobile/Mechanical) | Rs. 50,925 | Rs. 80,000-90,000 |
| Assistant | ~750-1,000 | Graduation | Rs. 22,405 | Rs. 35,000-42,000 |
All posts include DA, HRA, City Compensatory Allowance, medical benefits, pension/NPS, gratuity, and LTC. AO is a Scale-I officer post with promotion path to Scale-II, III, IV, and above.
Syllabus
1. Reasoning & Computer Aptitude
Puzzles & Seating ArrangementSyllogismCoding & DecodingBlood RelationsInequalitiesDirection SenseOrder & RankingData SufficiencyInput-OutputLogical ReasoningComputer FundamentalsInternet & NetworkingMS Office2. Quantitative Aptitude & Data Interpretation
Data Interpretation (Bar, Pie, Line, Table, Caselet)Number SeriesSimplification & ApproximationQuadratic EquationsPercentagesRatio & ProportionProfit & LossSimple & Compound InterestTime & WorkTime, Speed & DistanceProbabilityPermutation & Combination3. English Language
Reading ComprehensionCloze TestPara JumblesFill in the BlanksError Detection & CorrectionSentence ImprovementVocabularyIdioms & PhrasesWord AssociationPrecis Writing (AO Descriptive)4. General Awareness (Insurance & Financial Focus)
General Insurance Industry — History & StructureIRDAI — Functions, Regulations, Recent CircularsNIACL — Company Profile, History, ProductsTypes of General Insurance (Motor, Health, Fire, Marine, Crop)Insurance Act 1938 & AmendmentsCurrent Affairs (National & International)Indian Economy, Budget & Banking AwarenessGovernment Schemes (PMFBY, PMJJBY, PMSBY)Awards, Appointments & SportsStatic GK & Science
Frequently Asked Questions
What is NIACL and what posts are recruited?
NIACL (New India Assurance Company Limited) is India's largest general insurance company, wholly owned by the Government of India. It recruits for two main posts: Administrative Officer (AO) — a managerial/specialist role in Scale-I cadre, and Assistant — a clerical cadre role handling day-to-day office operations, claims processing, and customer service across regional and branch offices.
What is the eligibility for NIACL AO 2026?
NIACL AO requires a Bachelor's Degree from a recognized university with minimum 60% aggregate (55% for SC/ST/PwBD). Age: 21-30 years as on the cut-off date. Age relaxation: SC/ST +5 yrs, OBC +3 yrs, PwBD +10 yrs, Ex-Servicemen +5 yrs. Specializations include Generalist, Accounts, Actuarial, Legal, IT, and Automobile Engineering.
What is the exam pattern for NIACL AO?
NIACL AO Prelims: 100 questions, 100 marks, 60 minutes (sectional timing of 20 min each). Sections: English (30Q), Reasoning (35Q), Quantitative Aptitude (35Q). Mains Objective: 160 questions, 200 marks, 120 minutes — Reasoning & Computer Aptitude (60 marks), General Awareness (40 marks), Quant & DI (60 marks), English (40 marks). Mains Descriptive: 30 marks, 30 minutes (Essay & Precis). Interview: 35 marks. Negative marking: -0.25 per wrong answer.
What is the eligibility for NIACL Assistant?
NIACL Assistant requires a Bachelor's Degree from a recognized university. Age: 21-30 years. Age relaxation: SC/ST +5 yrs, OBC +3 yrs, PwBD +10 yrs. Candidates must be proficient in the regional language of the state/UT for which they apply. For Assam, proficiency in Assamese is required.
How many vacancies are expected in NIACL 2026?
NIACL AO 2026: Approximately 550 vacancies across various specializations (Generalist, Accounts, Actuarial, Legal, IT, Automobile Engineering). NIACL Assistant: Approximately 750-1,000 vacancies expected based on recent recruitment trends. Vacancies are distributed across zones and states based on regional requirements.
What is the salary for NIACL AO and Assistant?
NIACL AO: Basic pay Rs. 50,925 in pay scale Rs. 50,925-2,500(14)-85,925-2,710(4)-96,765. In-hand salary approximately Rs. 80,000-90,000/month in metro cities including DA, HRA, CCA, and allowances. NIACL Assistant: Basic pay Rs. 22,405 in pay scale Rs. 22,405-64,095. In-hand salary approximately Rs. 35,000-42,000/month. Both posts include medical benefits, pension/NPS, gratuity, and LTC.
Can candidates from Assam apply for NIACL exams?
Yes, NIACL exams are conducted nationwide. Assam falls under the Eastern Zone allocation. Exam centres are available in Guwahati and other major cities. For NIACL Assistant, proficiency in Assamese (regional language) is mandatory for posting in Assam. NIACL has regional offices and branch offices in Guwahati and across Assam providing motor, health, fire, marine, and crop insurance.
What is the difference between NIACL AO and NIACL Assistant?
AO is a Scale-I officer post — a managerial/supervisory role with specializations. AO handles underwriting, claims assessment, policy framing, and branch management. Assistant is a clerical cadre post handling counter operations, data entry, documentation, and customer service. AO has an interview round while Assistant selection is purely merit-based (no interview). AO salary is nearly double that of Assistant.