Pattern
UIIC AO — How the paper is structured
The pattern is that of the notification of 7 September 2026. Compared with the 2024 UIIC notice and the NIACL pattern it adds a computer-knowledge test to the Generalist mains and states the merit weighting explicitly.
UIIC AO 2026 exam pattern — from the notification of 7 September 2026.| Stage and section | Questions | Marks | Time |
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| Tier I — English Language | 30 | 30 | 20 min |
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| Tier I — Reasoning | 35 | 35 | 20 min |
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| Tier I — Quantitative Aptitude | 35 | 35 | 20 min |
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| Tier II Generalist — English Language | 40 | 50 | 30 min |
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| Tier II Generalist — Reasoning | 50 | 60 | 40 min |
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| Tier II Generalist — Quantitative Aptitude | 50 | 60 | 40 min |
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| Tier II Generalist — General Awareness (financial sector) | 40 | 60 | 30 min |
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| Tier II Generalist — Computer Knowledge | 20 | 20 | 10 min |
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| Tier II Generalist — Descriptive English: letter 10, essay 20 | 2 | 30 | 30 min |
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| Tier II Hindi Officer — English 25, Reasoning 25, Professional Knowledge 100, General Awareness 25, Computer 25 | 150 | 200 | 120 min |
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| Tier II Hindi Officer — Descriptive | — | 50 | — |
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How the marks work
A quarter of the marks of a question is deducted for each wrong answer in both tiers; unanswered questions cost nothing. Tier I is qualifying. The descriptive script is evaluated only for candidates who clear the objective mains and must be passed. The final merit list is prepared from the Tier II objective marks and the interview in the ratio 75:25; Tier I and descriptive marks are not counted.
Tier I is a filter with three 20-minute sections and a quarter-mark penalty; its marks are not carried forward. The Generalist Tier II gives 60 marks each to reasoning, quantitative aptitude and general awareness, 50 to English and 20 to computer knowledge, each timed separately, so pacing is per section. The descriptive test is a pass-or-fail gate evaluated only for candidates who clear the objective mains. Final merit weights the mains objective score at 75 per cent and the interview at 25 — a larger interview share than most banking recruitments.
What counts where.| Stage | Counts towards | Note |
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| Tier I (100) | Shortlisting only | Sectional and overall minimums |
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| Tier II objective (250 Generalist; 200 Hindi Officer) | Interview shortlist and 75 per cent of final merit | Sectional minimums |
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| Descriptive (30; 50 for Hindi Officers) | Qualifying only | Marked only if the objective mains is cleared |
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| Interview | 25 per cent of final merit | Qualifying marks may be set by the company |
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