Insurance · Government Exams

NIACL AO Previous Papers

The 2023 and 2025 NIACL AO papers are bank-PO papers with an insurance-flavoured awareness section; practise them with the quarter-mark penalty counted.

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NIACL AO · checked 19 September 2026

The dates, vacancies and rules below are read on the conducting body’s own site and rewritten as each notice appears. The guide beneath carries the full pattern, syllabus, cut-offs and free mock tests.

Free NIACL AO mock test NIACL AO syllabus Today’s current affairs

19September 2026

Checked 19 September 2026

NIACL AO: the facts that matter now

01
Advertisement 7 August 2025; applications 7–30 August 2025; Phase I 14 September 2025; Phase II 29 October 2025; interviews and pre-employment…
2025 cycle
02
The New India Assurance Company Limited, Mumbai; recruitment documents at newindia.co.in → Recruitment
Conducted by
03
Administrative Officer (Scale I) — Generalists and Specialists (Finance and Accounts, Legal, Automobile, Health, IT and others as notified)
Posts
04
Phase I prelims (100 marks, qualifying) → Phase II mains (200 objective plus 30 descriptive) → interview → medical
Stages

Past papers

NIACL AO — Reading previous papers properly

The company publishes information handouts, not question papers, but the 2021, 2023 and 2025 papers are reconstructed reliably from candidate recall. The pattern has been constant, and the general-awareness section repeats its insurance themes.

What recent papers of NIACL AO have actually asked, by section.
Section	What recurs	How to use it
Phase I English (30)	One RC, cloze, error spotting, fillers, para-jumbles	Twenty-plus accurate attempts is enough; do not gamble here
Phase I reasoning (35)	Two puzzle sets, syllogism, inequality, coding, series	Puzzle sets decide the section; skip a set that will not resolve
Phase I quantitative (35)	Simplification or approximation, series, one DI, arithmetic	Accuracy over attempts under the penalty
Phase II reasoning (50)	Three or four puzzles, input-output, logical reasoning, data sufficiency	Forty minutes; leave the hardest puzzle
Phase II English (50)	Two RCs, cloze, error, sentence rearrangement, vocabulary	The section most candidates under-prepare
Phase II general awareness (50)	Insurance products and terms, IRDAI, PSU insurers, budget, RBI, current affairs	Thirty minutes; a notes file on insurance covers half
Phase II quantitative (50)	Two or three DI sets, arithmetic, quadratic equations, series	Choose DI sets by data type
Descriptive (30)	Letter 10 and essay 20	Pass at 15; structure, grammar and word count are marked

How to work a past paper of NIACL AO

Score with the penalty a quarter mark per wrong answer, then compare attempts, accuracy and score across papers.
Sit sections with their timers Phase I at 20 minutes each; Phase II at 40, 40, 30 and 40.
List general-awareness questions by theme insurance, financial sector, current affairs, static — and see which theme you lose.
Type the descriptive answers and check them against the 15-mark pass.

Where the papers come from

Memory-based papers — from the 14 September and 29 October 2025 sessions, and the 2023 and 2021 papers, via coaching institutes and candidate forums.
IBPS PO and SBI PO papers — for the same syllabus at the same level.

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