The National Insurance Company Limited (NICL) releases the cut-off marks for the Administrative Officer (AO) recruitment separately for different stages of the examination. The cut-off is generally made available along with the respective scorecards and varies according to the post and candidate category.
The NICL AO Cut Off 2026 will be released on the official NICL recruitment website along with the result/scorecard as applicable. Candidates can use the previous year’s cut-off marks to understand the level of competition and set a suitable target score for the examination.
The cut-off is influenced by factors such as the number of vacancies, number of candidates appearing for the examination, difficulty level, candidate performance and normalisation of marks.
NICL AO Cut Off 2026 – Overview
| Particulars | Details |
|---|---|
| Organization | National Insurance Company Limited (NICL) |
| Post | Administrative Officer (AO) |
| 2026 Vacancies | 300 |
| Cut Off | To Be Released |
| Cut Off Basis | Post & Category Wise |
| Stages | Prelims & Mains |
| Cut Off Availability | Along with respective result/scorecard |
| Official Website | nationalinsurance.nic.co.in |
NICL AO Cut Off 2026
The NICL AO cut-off represents the minimum marks required by candidates to qualify for the next stage of the recruitment process.
The cut-off is released separately according to the post and category. For the Preliminary examination, both sectional and overall cut-offs may be applicable, while the Mains examination has objective, sectional and descriptive qualifying requirements as specified for the respective post.
The actual NICL AO Cut Off 2026 will depend on the performance of candidates and the difficulty level of the examination.
NICL AO Previous Year Cut Off
Previous-year cut-off marks are useful for candidates preparing for the NICL AO examination because they provide an indication of the competition level.
However, the cut-off can change considerably from one recruitment cycle to another because of:
- Number of vacancies
- Number of candidates appearing
- Difficulty level of the examination
- Overall candidate performance
- Normalisation of marks
- Previous cut-off trends
NICL AO Prelims Cut Off 2025
The official NICL AO Prelims Cut Off 2025 was released along with the relevant scorecard. The category-wise cut-off differed significantly across posts.
NICL AO Prelims Cut Off 2025 – Category Wise
| Post | SC | ST | OBC | EWS | UR | PwBD (A) | PwBD (B) | PwBD (C) | PwBD (D&E) |
|---|---|---|---|---|---|---|---|---|---|
| Generalist | 64.75 | 58.25 | 70.50 | 69.50 | 70.75 | 58.25 | 38.00 | — | — |
| Doctors (MBBS) | 9.75 | 15.25 | 17.50 | 17.50 | 17.50 | 28.75 | 15.00 | 38.25 | 23.75 |
| Legal | 46.25 | 40.75 | 43.00 | 46.75 | 52.00 | — | — | — | — |
| Finance | 56.25 | 53.25 | 65.00 | 66.00 | 66.00 | — | — | — | — |
| Information Technology | 56.25 | 46.75 | 56.75 | 56.00 | 58.75 | — | — | — | — |
| Automobile Engineers | 20.00 | 20.00 | 20.00 | 20.00 | 20.00 | — | — | — | — |
NICL AO Prelims Sectional Cut Off 2025
The Preliminary examination also has sectional cut-off requirements.
Generalist
| Category | English Language (30) | Reasoning Ability (35) | Quantitative Aptitude (35) |
|---|---|---|---|
| SC, ST, OBC & PwBD | 13.25 | 6.75 | 7.25 |
| EWS & UR | 16.25 | 11.00 | 10.50 |
Other Specialist Posts
For Doctors (MBBS), Legal, Finance, Information Technology and Automobile Engineers:
| Category | English Language (30) | Reasoning Ability (35) | Quantitative Aptitude (35) |
|---|---|---|---|
| SC, ST, OBC & PwBD | 7.00 | 1.00 | 1.00 |
| EWS & UR | 10.00 | 2.25 | 3.75 |
NICL AO Prelims Cut Off 2024
The NICL AO Prelims Cut Off 2024 was released category-wise and subject-wise for the different posts.
NICL AO Prelims Cut Off 2024 – Category Wise
| Post | SC | ST | OBC | EWS | UR | PwBD (A) | PwBD (B) | PwBD (C) |
|---|---|---|---|---|---|---|---|---|
| Generalist | 74.50 | 66.75 | 79.50 | 79.50 | 79.50 | 69.75 | 37.25 | 61.25 |
| Doctors (MBBS) | 15.00 | 13.25 | 13.50 | 20.75 | 20.75 | — | — | — |
| Legal | 37.25 | 26.25 | 37.25 | 37.25 | 37.25 | — | — | — |
| Finance | 59.00 | 43.75 | 65.75 | 65.75 | 65.75 | — | — | — |
| Actuarial | — | — | 65.50 | 65.50 | 65.50 | 21.75 | 34.00 | 29.00 |
| Information Technology | 61.00 | 55.50 | 63.75 | 61.75 | 63.75 | — | — | — |
| Automobile Engineers | 21.00 | 19.25 | 21.00 | 19.50 | 21.00 | — | — | — |
NICL AO Prelims Sectional Cut Off 2024
| Posts | Category | English (30) | Reasoning (35) | Quantitative Aptitude (35) |
|---|---|---|---|---|
| Legal, Finance, IT, Generalist | SC, ST, OBC & PwBD | 12.75 | 5.25 | 4.25 |
| Legal, Finance, IT, Generalist | EWS & UR | 16.00 | 10.50 | 8.25 |
| Actuarial | OBC & PwBD | 12.75 | 5.25 | 4.25 |
| Actuarial | SC, ST, EWS & UR | 16.00 | 10.50 | 8.25 |
| Doctors (MBBS), Automobile Engineers | SC, ST, OBC & PwBD | 7.75 | 1.00 | 1.00 |
| Doctors (MBBS), Automobile Engineers | EWS & UR | 11.00 | 2.75 | 2.50 |
NICL AO Mains Cut Off 2024
The NICL AO Mains cut-off for 2024 was released for Generalist and Specialist posts. The overall marks shown below are out of 250 for the applicable objective and descriptive examination structure.
NICL AO Mains Cut Off 2024 – Category Wise
| Post | SC | ST | OBC | EWS | UR | PwBD (A) | PwBD (B) | PwBD (C) | PwBD (D&E) |
|---|---|---|---|---|---|---|---|---|---|
| Generalist | 128.25 | 116.25 | 141.00 | 138.00 | 141.00 | 157.50 | 96.25 | 120.75 | 87.25 |
| Doctors (MBBS) | 59.75 | 58.00 | 56.75 | — | 65.00 | — | — | — | — |
| Legal | 109.00 | 91.00 | 123.00 | 109.75 | 123.00 | — | — | — | — |
| Finance | 103.75 | 99.50 | 120.50 | 118.00 | 120.50 | — | — | — | — |
| Actuarial | — | — | 90.25 | — | 90.25 | 71.25 | — | 88.00 | 115.00 |
| Information Technology | 109.50 | 90.75 | 122.00 | 120.00 | 124.00 | — | — | — | — |
| Automobile Engineers | 96.50 | 75.00 | 96.50 | 94.50 | 96.50 | — | — | — | — |
| Hindi (Rajbhasha) Officer | 89.50 | 50.50 | 90.00 | 90.00 | 90.00 | — | — | — | — |
NICL AO Mains Sectional Cut Off 2024
Generalist
For the Generalist post, the sectional cut-off was 1 mark in each of the following subjects for all listed categories:
| Subject | Maximum Marks | Cut Off |
|---|---|---|
| Reasoning Ability | 50 | 1.00 |
| English Language | 50 | 1.00 |
| General Awareness | 50 | 1.00 |
| Computer Knowledge | 50 | 1.00 |
| Quantitative Aptitude | 50 | 1.00 |
Specialist Posts
For Doctors (MBBS), Legal, Finance, Information Technology and Automobile Engineers:
| Subject | Maximum Marks | Cut Off |
|---|---|---|
| Reasoning Ability | 40 | 1.00 |
| English Language | 40 | 1.00 |
| General Awareness | 40 | 1.00 |
| Computer Knowledge | 40 | 1.00 |
| Quantitative Aptitude & Professional Knowledge | 40 | 1.00 |
NICL AO Mains Descriptive Cut Off 2024
The descriptive examination has a separate qualifying requirement.
| Category | Descriptive Test Cut Off (30 Marks) |
|---|---|
| SC, ST, OBC & PwBD | 7.50 |
| EWS & UR | 10.50 |
NICL AO Hindi Officer Cut Off 2024
For the Hindi Officer examination, the subject-wise qualifying requirements were provided separately.
| Category | Reasoning | English | General Awareness | Translation | Hindi Grammar | Descriptive |
|---|---|---|---|---|---|---|
| SC, ST, OBC & PwBD | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 12.50 |
| EWS & UR | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 17.50 |
NICL AO Cut Off 2016
The 2016 cut-off can also be used as a historical reference to understand how the qualifying level has varied over different recruitment cycles.
NICL AO Prelims Sectional Cut Off 2016
| Section | UR | PWD (HI) | SC, ST, OBC, PWD (VI, OC) |
|---|---|---|---|
| English Language | 9.75 | 5.75 | 7.00 |
| Quantitative Aptitude | 10.75 | 6.25 | 7.75 |
| Reasoning Ability | 16.00 | 9.75 | 12.00 |
NICL AO Prelims Overall Cut Off 2016
| Category | Cut Off |
|---|---|
| UR | 65.50 |
| SC | 57.25 |
| ST | 51.25 |
| OBC | 59.75 |
| HI | 26.50 |
| OC | 52.25 |
| VI | 55.50 |
NICL AO Mains Sectional Cut Off 2016
| Section | UR | SC/ST/OBC/PWD |
|---|---|---|
| English Language | 12.25 | 8.00 |
| Reasoning Ability | 20.50 | 16.75 |
| Quantitative Aptitude | 9.75 | 7.25 |
| General Awareness | 13.25 | 10.00 |
NICL AO Mains Overall Cut Off 2016
| Category | Cut Off |
|---|---|
| UR | 99.25 |
| OBC | 88.25 |
| SC | 81.25 |
| ST | 72.25 |
| HI | 67.50 |
| OC | 75.45 |
| VI | 84.75 |
NICL AO Mains Descriptive Cut Off 2016
The descriptive test was qualifying in nature, with the following cut-off marks:
| Category | Cut Off |
|---|---|
| UR | 15.00 |
| OBC | 15.00 |
| SC | 13.50 |
| ST | 13.50 |
| HI | 13.50 |
| OC | 13.50 |
| VI | 13.50 |
Factors Affecting NICL AO Cut Off 2026
The final cut-off can change depending on the competition and examination conditions. The major factors include:
Number of Vacancies
A higher number of vacancies can affect the competition and consequently the cut-off level.
Number of Candidates
The total number of candidates appearing in the examination is another important factor. Higher participation can increase competition.
Difficulty Level
The difficulty of the question paper has a direct impact on the expected cut-off. A difficult paper may result in a lower cut-off, while an easier paper may push it higher.
Overall Candidate Performance
The overall marks obtained by candidates also influence the final qualifying level.
Previous-Year Cut Off
Previous recruitment cycles provide a useful benchmark for estimating the likely cut-off, although they cannot guarantee the current year’s marks.
Normalisation
Where applicable, normalisation of marks can also affect the final scores and cut-off.
NICL AO Cut Off 2026 – FAQs
When will NICL AO Cut Off 2026 be released?
The 2026 cut-off will be released by NICL along with the respective result/scorecard as applicable.
Is NICL AO Cut Off released separately for Prelims and Mains?
Yes. The cut-off is released separately for the Prelims and Mains, with applicable sectional and overall requirements.
Is the NICL AO cut-off different for different posts?
Yes. Previous-year data shows that the cut-off varies significantly across posts such as Generalist, Doctors (MBBS), Legal, Finance, IT and Automobile Engineers.
Where can I check NICL AO Cut Off 2026?
Candidates can check the cut-off through the official NICL recruitment website at nationalinsurance.nic.co.in/en/recruitments.
What factors determine the NICL AO cut-off?
The major factors include the number of vacancies, number of candidates, exam difficulty, candidate performance, normalisation and previous cut-off trends.
Why should I check previous-year NICL AO cut-off marks?
Previous-year cut-offs help candidates understand the level of competition and set a realistic target score for the upcoming recruitment examination.
Add a clear 2026 status noteSeparate official data from estimates