The New India Assurance Company Limited (NIACL) has officially released the NIACL AO Prelims Score Card 2025 along with the NIACL AO Cut Off 2025 on 10th October 2025. The NIACL AO Prelims Result 2025 was announced a day earlier, on 9th October 2025. Candidates who appeared in the examination can now check their individual marks and sectional scores through the scorecard available on the official website, www.newindia.co.in. The cut-off marks have also been published to indicate the minimum qualifying scores required to progress to the next stage of the selection process.
NIACL AO Cut Off 2025 Out
The NIACL AO Prelims Result 2025 was declared on 9th October 2025, and qualified candidates will now appear for the Mains Exam on 29th October 2025. The NIACL AO Cut Off 2025 and Score Card have been released on 10th October 2025, showing category- and post-wise qualifying marks based on exam difficulty and overall performance.
NIACL AO Prelims Cut Off 2025 – Category-wise
The NIACL AO Prelims Cut Off 2025 has been released along with the scorecards on 10th October 2025. The cut-off marks differ for each discipline and category, depending on the exam’s difficulty level, number of vacancies, and overall candidate performance. These cut-offs represent the minimum marks required to qualify for the NIACL AO Mains Exam 2025, which is scheduled for 29th October 2025.
| Discipline | SC | ST | OBC | EWS | UR | HI | OC | VI | ID/MD |
| Generalists | 68.00 | 61.50 | 71.25 | 70.50 | 76.75 | 43.75 | 60.25 | 65.00 | 52.00 |
| Risk Engineers | 55.75 | 48.00 | 61.75 | 57.50 | 68.00 | 11.50 | – | 35.75 | – |
| Automobile Engineers | 11.50 | 8.75 | 9.00 | 19.00 | 23.00 | – | % | % | % |
| Legal Specialists | 37.00 | 30.25 | 37.50 | 37.00 | 53.75 | 18.25 | – | 18.50 | 18.00 |
| Accounts | 55.50 | 45.75 | 58.50 | 59.75 | 67.50 | – | 25.50 | – | – |
| AO (Health) | 32.25 | 23.00 | 30.75 | 24.00 | 41.75 | 25.50 | 11.25 | – | – |
| IT Specialists | 54.50 | 49.00 | 55.50 | 52.50 | 65.25 | 12.00 | – | – | – |
| Business Analysts | 27.75 | 11.25 | 35.25 | 19.25 | 56.75 | 36.50 | – | 23.00 | 28.50 |
| Company Secretary | – | – | – | – | 18.50 | – | – | – | – |
| Actuarial Specialists | – | – | # | – | 15.75 | – | – | – | – |
NIACL AO Prelims Cut Off 2025 – Section-wise
The candidate has performed exceptionally well in the Phase-I Online Examination 2025, securing a total of 76.25 out of 100. A perfect score of 30 in the English Language section reflects strong communication skills, while solid scores in Reasoning Ability (23.25) and Quantitative Aptitude (23) demonstrate a balanced aptitude across analytical and numerical areas. This result indicates thorough preparation and a strong potential for success in the next phase of the selection process.
| Section | Maximum Marks | Marks Obtained |
| English Language | 30 | 30 |
| Reasoning Ability | 35 | 23.25 |
| Quantitative Aptitude | 35 | 23 |
| Total (Objective) | 100 | 76.25 |
NIACL AO Previous Year’s Cut Off
Once the NIACL AO results are declared, the cut-off marks are released to show the minimum scores needed to qualify. This helps candidates know if they have cleared the stage and understand their standing in the selection process. Until then, candidates can check the previous years’ NIACL AO cut-off marks to analyze trends and set realistic preparation targets.
NIACL AO Cut Off 2024
The NIACL AO cut-off marks for Prelims, Mains, and Interview were released on 7th August 2025. Candidates who appeared in the exam were eagerly waiting for the official cut-off details.
| Category | Generalists | Accounts |
| SC | 74.75 | 52.25 |
| ST | 68.75 | 37.25 |
| OBC | 77.75 | 51.25 |
| EWS | 77.75 | 49.25 |
| UR | 81.75 | 64.25 |
| HI | 49.25 | 27.25 |
| OC | 71 | 36.75 |
| VI | 71 | 26.5 |
| ID/MD | 26.75 | 22 |
NIACL AO Prelims Cut Off 2024
The Prelims cut-off for NIACL AO 2024 was released separately for each category and discipline. It reflects the minimum marks required to move to the Mains stage.
| Category | Generalists | Accounts |
| SC | 74.75 | 52.25 |
| ST | 68.75 | 37.25 |
| OBC | 77.75 | 51.25 |
| EWS | 77.75 | 49.25 |
| UR | 81.75 | 64.25 |
| HI | 49.25 | 27.25 |
| OC | 71 | 36.75 |
| VI | 71 | 26.5 |
| ID/MD | 26.75 | 22 |
NIACL AO Section-wise Prelims Cut Off 2024
In addition to the overall cut-off, NIACL also releases section-wise qualifying marks for each subject in the Prelims. These ensure candidates meet the minimum standard in every section.
| Discipline | 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
The Mains cut-off marks are released category-wise and post-wise after the exam. These marks decide who will be shortlisted for the final interview round.
| Category | Generalists | Accounts |
| SC | 82 | 65.50 |
| ST | 76.50 | 52.75 |
| OBC | 91.25 | 72 |
| EWS | 90.50 | 74.25 |
| UR | 99.25 | 87.75 |
| HI | 49.25 | # |
| OC | 96.25 | 47.75 |
| VI | 87 | 59.50 |
| ID/MD | 46.75 | 73 |
NIACL AO Section-wise Mains Cut Off 2024
Like the Prelims, the Mains exam also has sectional cut-off marks for each subject, including professional knowledge for specialist posts.
| Test | Generalists (SC/ST/OBC/PwBD) | Generalists (EWS, UR) | Accounts (SC/ST/OBC/PwBD) | Accounts (EWS, UR) |
| Reasoning Ability | 7.25 | 10.50 | 2 | 4.75 |
| English Language | 12 | 16 | 1.75 | 5.75 |
| 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
The final cut-off is prepared after combining the Mains and Interview scores, giving the final merit list for selection.
| Category | Accounts | Generalists |
| SC | 53.09 | 53.09 |
| ST | 45.44 | 51.22 |
| OBC | 51.63 | 57.97 |
| EWS | 54.59 | 57.84 |
| UR | 55.72 | 60.09 |
| HI | — | 45.84 |
| OC | 50.97 | 56.84 |
| VI | 50.44 | 55.53 |
| ID/MD | 47.22 | 50.94 |
NIACL AO Prelims Cut Off 2023
The table shows the NIACL AO Cut Off scores for different posts in 2023, sorted by categories like SC, ST, OBC, EWS, and UR. These scores act as benchmarks to decide who gets selected for the jobs. For instance, candidates who score higher than the cutoff are more likely to be chosen. It helps to compare applicants and ensure fairness in the selection process.
| 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 highest cut-off was in the English Language 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.
| Discipline | Test | SC/ST/OBC/PwBD | UR |
| Generalists | English Language | 24.25 | 17.50 |
| Reasoning Ability | 5.50 | 10 | |
| Quantitative Aptitude | 5.25 | 9 |
NIACL AO Mains Cut Off 2023
Below is the category-wise, section-wise, and descriptive paper cut-off for the NIACL AO Mains Exam 2023. Candidates can refer to the following tables for detailed information.
| 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 | SC, ST, OBC, PwBD | EWS, UR |
| Generalists | Reasoning Ability | 11.50 | 14.50 |
| English Language | 19.00 | 22.00 | |
| General Awareness | 3.00 | 5.25 | |
| Quantitative Aptitude | 14.75 | 17.00 |
NIACL AO Prelims Cut Off 2021
The table showcases the NIACL AO Prelims Cut Off scores for different categories in 2021, providing a straightforward comparison for candidates. These cutoffs are crucial indicators for candidates to assess their performance and chances of qualifying for further rounds.
| 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 Previous Year Cut Off 2018-19
Category-wise cut-offs (on Total out of 200) for shortlisting the candidates for interview
| 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 candidates Qualified | – | 71.75 | – |
| Generalist | 108 | 95.25 | 118.25 | 126.5 | 82 | 113.75 | 115.25 | 86.5 |
Minimum Qualifying Marks in Descriptive Paper (out of 30) for short-listing the candidates for interview
| SC | ST | OBC | UR | HI | OC | VI | ID/MD |
| 13.50 | 13.50 | 15 | 15 | 13.50 | 13.50 | 13.50 | 13.50 |
Section-wise Minimum Qualifying Marks to be eligible for descriptive paper assessment and short-listing for interview
| Test | COMPANY SECRETARY – SC,ST,OBC, PwBD | COMPANY SECRETARY – UR | LEGAL – SC,ST,OBC, PwBD | LEGAL – UR | FINANCE & ACCOUNTS – SC,ST,OBC, PwBD | FINANCE & ACCOUNTS – UR | GENERALISTS – SC,ST,OBC, PwBD | GENERALISTS – UR |
| REASONING ABILITY (40) | 4.5 | 8 | 1 | 4.5 | 2.75 | 6.25 | 17.75 | 21 |
| ENGLISH LANGUAGE (40) | 8.5 | 12.5 | 4.75 | 8.5 | 6.5 | 10.5 | 10.5 | 14.5 |
| GENERAL AWARENESS (40) | 4 | 7 | 1 | 4 | 2.5 | 5.5 | 6.5 | 10.5 |
| QUANTITATIVE APTITUDE (40) | 3.25 | 7 | 1 | 3.25 | 1.5 | 5.25 | 17.25 | 20.25 |
| PROFESSIONAL KNOWLEDGE (40) | 13.5 | 16 | 3 | 5.5 | 1 | 3.25 | – | – |
Disclaimer: Though utmost care has been taken while preparing the mark sheet, the Company reserves the right to rectify inadvertent errors, if any.
Phase 1 Cutoff Marks of NIACL AO 2018-19 (Preliminary Exam)
Provided below is the Cut off marks for various disciplines of NIACL AO 2018-19.
(a) Category-wise Cut-offs of NIACL AO Prelims 2018-19 (on Total out of 100)
| 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 | – |
| Generalists | 70.50 | 61.00 | 75.75 | 80.25 | 45.25 | 69.50 | 72.25 | 34.00 |
(b) Section-wise Minimum Qualifying Marks of NIACL AO Prelims 2018-19 (on Total out of 100)
| TEST | Company Secretary – SC,ST,OBC, PwBD | Company Secretary – UR | Legal – SC,ST,OBC, PwBD | Legal – UR | Finance & Accounts – SC,ST,OBC, PwBD | Finance & Accounts – UR | Generalists – SC,ST,OBC, PwBD | Generalists – UR |
| ENGLISH LANGUAGE | 9.75 | 12.5 | 8.75 | 12.25 | 8.75 | 12.25 | 10.75 | 14 |
| REASONING ABILITY | 3.25 | 6 | 2.75 | 5.75 | 5.25 | 8.75 | 11.25 | 15.5 |
| QUANTITATIVE APTITUDE | 3.25 | 5.75 | 1.5 | 4 | 4 | 7.25 | 7.25 | 10.75 |
NIACL AO Previous Year Cutoff Marks – 2016 Prelims Overall Cutoffs
The NIACL AO 2016 Exam had 3 stages – Phase 1: Prelims, Phase 2: Main Exam, and Phase 3: Interview. Check all the details of NIACL AO Cut off 2016 in the tables given below -:
| Category | 2016 (Out of 100) |
| GEN | 66.5 |
| OBC | 59.75 |
| SC | 57.25 |
| ST | 51.25 |
| HI | 26.5 |
| OC | 52.25 |
| VI | 55.5 |
NIACL AO Previous Year Cutoff Marks – 2016 Prelims Sectional Cutoffs
Check all details of NIACL AO 2016 Prelims Cut off marks in the table below.
| Category | English (Out of 30) | Reasoning (Out of 35) | Quantitative Aptitude (Out of 35) |
| GEN | 9.75 | 16.00 | 10.75 |
| OBC | 7.00 | 12.00 | 7.75 |
| SC | 7.00 | 12.00 | 7.75 |
| ST | 7.00 | 12.00 | 7.75 |
| HI | 5.75 | 9.75 | 6.25 |
| OC | 7.00 | 12.00 | 7.75 |
| VI | 7.00 | 12.00 | 7.75 |
NIACL AO Previous Year Cutoff Marks – 2016 Mains Sectional Cutoffs
Provided below are the category-wise cut off of NIACL AO 2016 Mains examination.
| Category | English (Out of 50) | Reasoning (Out of 50) | Quantitative Aptitude (Out of 50) | General Awareness (Out of 50) |
| GEN | 12.25 | 20.50 | 9.75 | 13.25 |
| OBC | 8.00 | 16.75 | 7.25 | 10.00 |
| SC | 8.00 | 16.75 | 7.25 | 10.00 |
| ST | 8.00 | 16.75 | 7.25 | 10.00 |
| HI | 8.00 | 16.75 | 7.25 | 10.00 |
| OC | 8.00 | 16.75 | 7.25 | 10.00 |
| VI | 8.00 | 16.75 | 7.25 | 10.00 |
NIACL AO Cut Off – 2016 Mains Cutoff
| Category | Objective Test (Out of 200) | Descriptive Test (Out of 30) |
| GEN | 99.25 | 15.00 |
| OBC | 88.25 | 13.50 |
| SC | 81.50 | 13.50 |
| ST | 72.25 | 13.50 |
| HI | 67.50 | 13.50 |
| OC | 75.75 | 13.50 |
| VI | 84.75 | 13.50 |
NIACL AO Cut Off – 2015 Final Cutoff Scores
The NIACL AO 2015 Exam was conducted in only 1 stage. It was a paper of 200 marks like the Phase 2 paper of the current exam pattern. Check the NIACL AO Cut off 2015 below.
| Category | 2015 (Out of 200) |
| GEN | 132 |
| OBC | 122 |
| SC | 118.75 |
| ST | 113.5 |
| HI | NA |
| OC | NA |
| VI | NA |
Factors Influencing NIACL AO Cut Off Marks
Several key factors influence the determination of cut-off marks in the NIACL AO exam. Understanding these factors helps in predicting the expected cut-offs:
- Exam Difficulty: A more challenging exam typically results in lower cut-off marks.
- Number of Applicants: A higher number of candidates usually leads to higher cut-offs.
- Candidate Performance: The overall performance distribution affects how cut-offs are set.
- Reservation Policies: Reserved category candidates may have different cut-offs based on applicable policies.
- Normalization Process: This process ensures fairness by adjusting scores across multiple exam shifts.
NIACL AO Cut Off 2025 – FAQs
Q1. When was the NIACL AO Prelims Cut Off 2025 released?
The NIACL AO Prelims Cut Off 2025 was released on 10th October 2025, along with the scorecards of all candidates on the official website www.newindia.co.in.
Q2. Does the cut-off vary for different categories and posts?
Yes, the NIACL AO Cut Off 2025 varies for each category (SC, ST, OBC, EWS, UR, etc.) and discipline (Generalists, Specialists, Engineers, Analysts, etc.), depending on the number of candidates and exam difficulty.
Q3. What is the highest cut-off in NIACL AO Prelims 2025?
The Generalist (UR) category recorded the highest cut-off at 76.75 marks out of 100 in the NIACL AO Prelims Exam 2025.
Q4. What happens if a candidate scores below the cut-off marks?
Candidates scoring below the cut-off marks will not qualify for the next stage — the NIACL AO Mains Exam 2025, scheduled for 29th October 2025.
Q5. How is the NIACL AO Cut Off 2025 calculated?
The cut-off is determined based on factors such as the number of vacancies, difficulty level of the paper, and overall performance of candidates in the prelims examination.
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