The NIACL AO Cut Off 2026 will be released separately for the Prelims, Mains, and Final Selection stages after the completion of the recruitment process. The cut off marks represent the minimum score required to qualify for the next stage of the exam. Candidates preparing for the NIACL AO Exam 2026 should regularly check the cut off trends to understand the competition level and set a realistic target score. Based on recent recruitment cycles, the Generalist Prelims cut off for the UR category has generally remained between 75 and 82 marks, while the Mains cut off has ranged between 99 and 104 marks.
NIACL AO Cut Off 2026
The official NIACL AO Cut Off 2026 will be released after the declaration of results. The cut off will vary across categories and disciplines depending on factors such as the number of vacancies, exam difficulty level, and candidate performance. Candidates must secure both sectional and overall qualifying marks, wherever applicable, to move to the next stage of the selection process. Looking at recent trends, candidates targeting Generalist posts should aim for a score well above the expected cut off to stay on the safer side.
NIACL AO Previous Year Cut Off
The NIACL AO Previous Year Cut Off helps candidates understand the level of competition in the examination. By analyzing previous years' cut offs, aspirants can estimate the expected cut off for the upcoming cycle and plan their preparation accordingly. Previous year data also helps candidates identify safe scores and understand how factors like vacancies and exam difficulty impact the final qualifying marks.
NIACL AO Cut Off 2025-26
The NIACL AO Cut Off 2025-26 was released along with the Mains scorecard after the recruitment process concluded. For the Generalist stream, the UR category Mains cut off was 102.75 marks out of 200, while the OBC cut off stood at 92.75 and the SC cut off at 86.75. In the Prelims examination, the Generalist UR cut off was 76.75 marks, with OBC candidates requiring 71.25 marks and SC candidates requiring 68 marks. The cut off reflected strong competition, particularly in the Generalist discipline where more candidates competed for available vacancies.
| Discipline | SC | ST | OBC | EWS | UR | HI | OC | VI | ID/MD |
|---|
| Generalists | 86.75 | 69.75 | 92.75 | 89.25 | 102.75 | 54.25 | 88.50 | 92.50 | 87.50 |
| Risk Engineers | 70 | 63.75 | 80.75 | 77.25 | 91 | 24.75 | – | 72.50 | – |
| Automobile Engineers | 26.75 | 34.50 | 30.50 | 48 | 65.75 | – | # | % | # |
| Legal Specialists | 76.75 | 69 | 85.75 | 87 | 98 | 75.75 | – | 59 | 58.50 |
| Accounts Specialists | 68.25 | 62.50 | 72.50 | 68 | 87.25 | – | 49 | – | – |
| AO (Health) | 55 | 48.25 | 59.50 | 40.50 | 72.75 | 36.25 | 43.25 | – | – |
| IT Specialists | 72.50 | 53.75 | 76.75 | 80.25 | 91.75 | # | – | – | – |
| Business Analysts | 47.75 | 40.25 | 62.25 | 57.25 | 73.75 | # | – | 54.50 | 63.75 |
| Company Secretary | – | – | – | – | 81 | – | – | – | – |
| Actuarial Specialists | – | – | @ | – | 45.75 | – | – | – | – |
NIACL AO Descriptive Test Cut-offs
Minimum Qualifying Marks in Descriptive Paper (out of 30) for short-listing the candidates for interview (All Disciplines)
| SC | ST | OBC | EWS | UR | HI | OC | VI | ID/MD |
|---|
| 13.50 | 13.50 | 15 | 15 | 15 | 13.50 | 13.50 | 13.50 | 13.50 |
NIACL AO Phase 2 Generalist Cut Off
Section-wise Minimum Qualifying Marks to be eligible for descriptive paper assessment and short-listing for interview (Generalist)
| Post | Category | Reasoning
(50) | English
(50) | General Awareness
(50) | Quantitative Aptitude
(50) |
|---|
| Generalist | SC, ST | 13.75 | 20.25 | 1.00 | 15.25 |
| Generalist | OBC, EWS, UR | 16.75 | 23.75 | 2.75 | 17.75 |
| Generalist | PwBD | 1.00 | 1.00 | 1.00 | 1.00 |
NIACL AO Phase 2 Specialist Cut Off
Section-wise Minimum Qualifying Marks to be eligible for descriptive paper assessment and short-listing for interview (Specialists)
| Post | Category | Reasoning
(40) | English
(40) | General Awareness
(40) | Quantitative Aptitude
(40) | Professional Knowledge
(40) |
|---|
| Risk Engineers | SC, ST | 1.00 | 11.00 | 1.00 | 4.25 | 5.50 |
| OBC, EWS, UR | 4.00 | 14.50 | 2.00 | 6.75 | 8.25 |
| PwBD | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Automobile Engineers | All Category | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Legal Specialists | SC | 2.50 | 12.75 | 1.00 | 5.50 | 11.50 |
| ST | 1.00 | 11.00 | 1.00 | 4.25 | 9.75 |
| OBC, EWS, UR | 4.00 | 14.50 | 2.00 | 6.75 | 13.25 |
| PwBD | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Accounts Specialists | ST, PwBD | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| OBC | 4.00 | 14.50 | 2.00 | 6.75 | 8.25 |
| SC | 1.00 | 11.00 | 1.00 | 4.25 | 5.00 |
| EWS, UR | 4.00 | 14.50 | 2.00 | 6.75 | 8.25 |
| AO (Health) | SC | 2.50 | 12.75 | 1.00 | 5.50 | 2.00 |
| ST, EWS, PwBD | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| OBC, UR | 4.00 | 14.50 | 2.00 | 6.75 | 3.50 |
| IT Specialists | OBC | 4.00 | 14.50 | 2.00 | 6.75 | 7.50 |
| SC | 2.50 | 12.75 | 1.00 | 5.50 | 6.00 |
| ST | 1.00 | 11.00 | 1.00 | 4.25 | 4.50 |
| EWS, UR | 4.00 | 14.50 | 2.00 | 6.75 | 7.50 |
| PwBD | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Business Analysts | All Category | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Company Secretary | All Category | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Actuarial Specialists | All Category | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
NIACL AO Prelims Cut Off 2025 Category-wise
The NIACL AO Prelims Cut Off marks differ for each discipline and category, depending on the exam's difficulty level, number of vacancies, and overall candidate performance.
| 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 Cut Off 2024
The NIACL AO Cut Off 2024 remained competitive across all categories. For the Generalist post in the Mains examination, the UR category cut off was 99.25 marks, while OBC candidates required 91.25 marks and SC candidates needed 82 marks. The final cut off after the interview stage stood at 60.09 for the UR category and 57.97 for the OBC category. These figures indicate that candidates needed consistent performance across all stages to secure final selection.
| 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 NIACL AO Prelims Cut Off 2024 was released category-wise after the Phase I examination. For the Generalist post, the UR category cut off was 81.75 marks, while OBC and EWS candidates required 77.75 marks. The SC category cut off was 74.75 marks. The cut off was slightly higher compared to some previous recruitment cycles, highlighting the increased competition among candidates.
| 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 NIACL AO Mains Cut Off 2024 determined the candidates shortlisted for the interview round. The Generalist UR category cut off was 99.25 marks, while OBC candidates required 91.25 marks and EWS candidates required 90.50 marks. The Mains examination played a crucial role in final selection, making it one of the most important stages of the recruitment process.
| 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 2024 was calculated by combining Mains and Interview marks. The final UR category cut off for the Generalist post was 60.09, while OBC candidates required 57.97 marks and SC candidates required 53.09 marks. These scores represented the minimum marks required to secure final selection in the NIACL AO recruitment process.
| 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 Cut Off 2023
The NIACL AO Cut Off 2023 varied across disciplines such as Generalist, Risk Engineers, Legal Officers, Accounts, Health Officers, and IT Specialists. Among all streams, the Generalist discipline recorded one of the highest cut offs. The Generalist Mains cut off for the UR category was 103.75 marks, while the OBC category required 95.25 marks and the SC category required 86.50 marks. This recruitment cycle witnessed intense competition across all major disciplines.
| 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
The NIACL AO Prelims Cut Off 2023 remained competitive, especially for Generalist candidates. The UR category cut off was 81.75 marks, while OBC candidates required 77.25 marks and SC candidates required 72.75 marks. Candidates also had to clear sectional cut offs in English Language, Reasoning Ability, and Quantitative Aptitude to qualify for the Mains examination.
| 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
The NIACL AO Mains Cut Off 2023 included both objective and descriptive paper qualifying criteria. The Generalist UR category cut off was 103.75 marks, while OBC candidates required 95.25 marks and SC candidates required 86.50 marks. Candidates also had to secure the prescribed descriptive paper qualifying marks to be shortlisted for the interview stage.
| 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 |
NIACL AO Cut Off 2021
The NIACL AO Cut Off 2021 was released for the Preliminary Examination. The UR category cut off was 73.75 marks, while OBC candidates required 68.25 marks and SC candidates required 64.50 marks. Compared to recent recruitment cycles, the 2021 cut off was relatively lower, mainly due to differences in exam difficulty level and vacancy distribution.
| 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 Cut Off 2018-19
The NIACL AO Cut Off 2018-19 was released for both Generalist and Specialist posts. The Generalist Mains cut off for the UR category was 126.50 marks out of 200, while the OBC category required 118.25 marks and SC candidates required 108 marks. This remains one of the highest cut off cycles in recent NIACL AO recruitment history, reflecting a highly competitive examination.
| 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 | | |
NIACL AO Prelims Cut Off 2018-19
The Preliminary Examination cut off for 2018-19 was also comparatively high. For Generalist candidates, the UR category cut off stood at 80.25 marks, while OBC candidates required 75.75 marks and SC candidates required 70.50 marks. Candidates were additionally required to clear sectional qualifying marks in all three subjects.
(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 | |
NIACL AO Cut Off 2016
The NIACL AO Cut Off 2016 was released separately for Prelims and Mains examinations. The Prelims UR category cut off was 66.50 marks out of 100, while the OBC category required 59.75 marks and the SC category required 57.25 marks. In the Mains examination, the UR category cut off was 99.25 marks out of 200. The cut off was relatively lower compared to later recruitment cycles, indicating a different competition level at that time.
| 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 Final Cut Off 2015
The NIACL AO Recruitment 2015 followed a different examination structure compared to the current pattern. The final cut off for the General category was 132 marks out of 200, while OBC candidates required 122 marks, SC candidates required 118.75 marks, and ST candidates required 113.50 marks. These figures continue to serve as a useful reference for candidates studying long-term NIACL AO cut off trends.
| Category | 2015 (Out of 200) |
|---|
| GEN | 132 |
| OBC | 122 |
| SC | 118.75 |
| ST | 113.5 |
| HI | NA |
| OC | NA |
| VI | NA |
