NIACL AO Syllabus 2025 – Exam Pattern : The New India Assurance Company Limited (NIACL) is one of the largest public sector insurance companies in India. Every year, it conducts the Administrative Officer (AO) exam to recruit talented candidates for various posts. With an attractive salary package, job security, and career growth, the NIACL AO exam is considered one of the most competitive insurance sector exams in India.
If you are preparing for NIACL AO 2025, this article is your one-stop guide to everything you need: Selection Process, Exam Pattern, Syllabus, Salary, Preparation Strategy, Recommended Books, and PDF download link.
NIACL AO 2025 Overview
| Particulars | Details |
|---|---|
| Exam Name | NIACL AO 2025 |
| Conducting Body | New India Assurance Company Limited |
| Post | Administrative Officer (AO) – Generalist & Specialist |
| Selection Stages | Prelims, Mains (Objective + Descriptive), Interview |
| Exam Mode | Online (CBT) |
| Negative Marking | 0.25 marks for wrong answer |
| Official Website | www.newindia.co.in |
NIACL AO Eligibility Criteria 2025
Before applying, candidates must meet the eligibility requirements.
Age Limit
- Minimum Age: 21 years
- Maximum Age: 30 years
- Age Relaxation: SC/ST (5 years), OBC (3 years), PwBD (10 years).
Educational Qualification
- For Generalists: Graduation/Post-Graduation in any discipline from a recognized university.
- For Specialists: Degree in relevant discipline such as Law, Accounts, Engineering, etc.
NIACL AO Selection Process 2025
The NIACL AO recruitment process is conducted in three phases.
- Phase I – Preliminary Examination (Objective Test)
- Phase II – Main Examination (Objective + Descriptive)
- Phase III – Interview
The final merit list is based on Mains (75%) + Interview (25%).
NIACL AO Exam Pattern 2025
Phase I: Preliminary Examination
| Section | Questions | Marks | Duration | Medium |
|---|---|---|---|---|
| English Language | 30 | 30 | 20 min | English |
| Reasoning Ability | 35 | 35 | 20 min | Eng/Hindi |
| Quantitative Aptitude | 35 | 35 | 20 min | Eng/Hindi |
| Total | 100 | 100 | 60 min |
✅ Note:
- Prelims is qualifying in nature.
- Sectional cut-offs apply.
- 0.25 negative marking for wrong answers.
Phase II: Main Examination
(A) Generalists
| Section | Questions | Marks | Duration |
|---|---|---|---|
| Reasoning Ability | 50 | 50 | 40 min |
| English Language | 50 | 50 | 40 min |
| General Awareness | 50 | 50 | 30 min |
| Quantitative Aptitude | 50 | 50 | 40 min |
| Total | 200 | 200 | 150 min |
(B) Specialists
| Section | Questions | Marks | Duration |
|---|---|---|---|
| Reasoning Ability | 40 | 40 | 30 min |
| English Language | 40 | 40 | 30 min |
| General Awareness | 40 | 40 | 25 min |
| Quantitative Aptitude | 40 | 40 | 30 min |
| Professional Knowledge (Stream Specific) | 40 | 40 | 35 min |
| Total | 200 | 200 | 150 min |
Phase II: Descriptive Test
- Letter Writing: 10 marks
- Essay Writing: 20 marks
- Total: 30 marks | Duration: 30 minutes
👉 Descriptive Test is qualifying in nature (minimum marks required: 15/30 for General, 13.5/30 for SC/ST/PwBD).
Phase III: Interview
- Shortlisted candidates are called for an Interview round.
- Conducted at select centers across India.
- Weightage in final selection: Mains (75%) + Interview (25%).
NIACL AO Syllabus 2025 – Subject-Wise
English Language
- Reading Comprehension
- Cloze Test
- Error Spotting
- Para Jumbles
- Fill in the Blanks
- Sentence Improvement
- Vocabulary (Synonyms, Antonyms)
Reasoning Ability
- Puzzles & Seating Arrangement
- Coding-Decoding
- Syllogism
- Inequalities
- Blood Relations
- Input-Output
- Logical Reasoning
Quantitative Aptitude
- Simplification & Approximation
- Data Interpretation (DI)
- Quadratic Equations
- Number Series
- Ratio & Proportion
- Profit & Loss
- Time, Speed & Distance
- Time & Work
- Probability, Permutation & Combination
General Awareness
- Current Affairs (last 6–8 months)
- Banking & Insurance Awareness
- Static GK (Capitals, Currencies, Days, Awards, Books)
- Indian Economy & Financial Awareness
Professional Knowledge (For Specialists)
- Law, Accounts, Engineering, IT, Agriculture etc. (Stream-specific topics).
NIACL AO Salary & Benefits 2025
The NIACL AO post is highly attractive due to its excellent pay scale and perks.
- Basic Pay: ₹32,795
- Gross Monthly Salary: ₹60,000 – ₹65,000 (approx.)
- Allowances: HRA, DA, Transport Allowance, Medical Benefits, Gratuity, Pension, Insurance Coverage.
✅ With career progression, AOs can rise to senior managerial positions.
Best Books for NIACL AO 2025 Preparation
| Subject | Recommended Books |
|---|---|
| Quantitative Aptitude | Quantitative Aptitude by R.S. Aggarwal / Fast Track Arithmetic – Rajesh Verma |
| Reasoning Ability | A Modern Approach to Logical Reasoning – R.S. Aggarwal |
| English Language | Objective General English – S.P. Bakshi |
| General Awareness | Lucent GK / Pratiyogita Darpan / Banking & Insurance Awareness – Arihant |
| Current Affairs | Daily Newspapers + Monthly Magazines |
| Descriptive Paper | Wren & Martin English Grammar + Essay & Letter Writing Practice Books |
Preparation Tips for NIACL AO 2025
- Cover Syllabus Completely – Focus on Quant, Reasoning, English, and GK.
- Practice Mock Tests – Manage sectional timings effectively.
- Focus on Current Affairs – Last 6 months’ events are crucial.
- Improve Accuracy – Avoid negative marking by smart attempts.
- Practice Essay & Letter Writing – Essential for Descriptive Test.
NIACL AO Syllabus 2025 PDF Download
👉 Click Here to Download NIACL AO Syllabus 2025 PDF
The PDF includes:
- Prelims & Mains Exam Pattern
- Subject-Wise Syllabus
- Professional Knowledge Topics
- Descriptive Paper Guidelines
FAQs on NIACL AO 2025
Q1. What is the selection process of NIACL AO 2025?
Ans: Prelims → Mains (Objective + Descriptive) → Interview.
Q2. Is there negative marking?
Ans: Yes, 0.25 marks deducted for every wrong answer.
Q3. What is the salary of NIACL AO?
Ans: Around ₹60,000 – ₹65,000 per month including allowances.
Q4. Is descriptive test counted in final merit?
Ans: No, it is only qualifying in nature.
Q5. How many attempts are allowed for NIACL AO?
Ans: No fixed attempt limit, but candidates must meet the age criteria.
Conclusion
The NIACL AO Exam 2025 is a golden opportunity for aspirants looking for a stable and rewarding career in the insurance sector. With a clear understanding of the syllabus, exam pattern, and selection process, candidates can create an effective preparation strategy. Download the official syllabus PDF, practice regularly, and stay updated with current affairs to boost your chances of success.