NIACL AO Syllabus and Exam Pattern 2025 - Subject Wise Syllabus

NIACL AO 2025 Exam Pattern and Syllabus

NIACL is a well-known insurance company in India and is preferred by many aspirants, being a government organization. Owing to the popularity, the competition to take a job here is also quite high. NIACL AO is one such post, which is very much awaited by many job aspirants every year.

The eagerly anticipated NIACL AO notification 2025 which has finally been released, prompts interested individuals to familiarize themselves with essential details such as the selection process, NIACL AO eligibility criteria, salary structure, and additional particulars.

The NIACL AO 2025 exam has two stages before the interview: Preliminary (Phase I) and Main (Phase II).

Phase I – Preliminary Exam

This is a 100-mark online objective test. You get 60 minutes in total. There are three sections, each timed separately:

• English Language: 30 questions in 20 minutes
• Reasoning Ability: 35 questions in 20 minutes
• Quantitative Aptitude: 35 questions in 20 minutes

Each wrong answer carries a ¼-mark penalty; unanswered questions have no penalty .

Phase II – Main Exam

This has two parts, both online:

1. Objective Test (200 marks) over 2½ hours, with separate timings per section:
   • Reasoning: 50 Q, 40 min
   • English Language: 50 Q, 40 min
   • General Awareness: 50 Q, 30 min
   • Quantitative Aptitude: 50 Q, 40 min
   • (Specialist streams add a fifth section of 40 technical questions in 35 min.)
2. Descriptive Test (30 marks) in English only, lasting 30 minutes, covering letter writing (10 marks) and essay (20 marks).

NIACL AO Syllabus 2025

To stay well prepared for the challenge, you need to ensure that you are well-equipped with all the necessary information such as the NIACL AO exam syllabus 2025. There will be various sections in the NIACL AO exam and you should be aware of the complete NIACL AO syllabus. Check out to deduce the NIACL AO syllabus for all the sections/subjects and start preparing right away.

Preliminary Exam (Phase I) Syllabus

English Language covers basic grammar, vocabulary, and reading comprehension. Reasoning Ability includes puzzles, seating arrangements, coding-decoding, and syllogisms. Quantitative Aptitude tests arithmetic topics – such as number systems, percentages, ratios, averages, profit & loss – plus data interpretation and basic algebra.

Main Exam (Phase II) Syllabus

The Objective Test repeats these four areas at greater depth. General Awareness adds current affairs and basic insurance & banking knowledge. The Descriptive Test asks you to write one essay and one letter in English.

NIACL AO Syllabus for Prelims

NIACL AO Syllabus for Mains

NIACL AO Exam Pattern 2025

As per the 2025 notification for NIACL AO, the selection process will have three main phases: Prelims, Mains & Interview. Both Prelims & Mains will be online objective tests consisting of various sections/subjects from which the questions will be asked.

• Candidates will have to secure minimum qualifying marks in each section in order to move on to the next phase.
• Negative marking will also be there in both phases.

NIACL AO Exam Pattern: Prelims

NIACL AO exam pattern 2025 for the prelims exam will consist of three sections namely English Language, Reasoning Ability, and Quantitative Aptitude. Sectional timings of 20 mins each will be allotted which makes the total time to be 1 hour.

This test is qualifying in nature hence the marks obtained in this exam will not be added to the final merit list, but important to move to the next stage. There will be a total of 100 questions for 100 marks.

The test will be objective in nature. Check out the complete details below:

NIACL AO Exam Pattern 2025: Mains

NIACL AO Mains will also be an objective test. The NIACL AO syllabus for the Mains exam for Generalists will comprise of four sections: Test of English Language, Test of Reasoning, Test of Quantitative Aptitude, and Test of General Awareness.

The sections will carry 50 marks each. Sectional timings will be there this time. All the sections will be available bilingually except the test of English Language.

There will also be an additional ‘English Descriptive test’ in this phase. The objective test will be of 200 marks whereas the 'descriptive test' will be of 30 marks and will be conducted immediately after the objective test.

A total time of 2.5 hours will be allotted to complete the objective test whereas 30 minutes will be allotted for the English Descriptive test. The candidates will have to score minimum qualifying marks in each of the sections and Negative Marking: 0.25 marks per wrong answers.

Note:

The ‘descriptive test’ will only be evaluated for those who clear the objective test.

Candidates will be assessed on the basis of their 'Essay & Letter writing' skills.

All candidates need to qualify in the descriptive test in order to move ahead to the interview stage. Although the marks scored will not be considered in the final selection.

Interview

The candidates who will qualify in the objective, as well as descriptive test, will be called in for the final phase of the NIACL AO selection process, i.e. Interview.

The Interview will be conducted at selected centres. The weightage of the online exam & interview will be in the ratio of 75:25 ratio of Mains + Interview scores​ respectively.

Separate call letters will be made available for the Interview stage which need to be downloaded from the official website of NIACL.

Marking Scheme

NIACL AO Prelims & Main examinations, both will consist of online objective tests which will have questions based on various subjects. Each of the questions will carry 1 mark and there will be a negative marking of 1/4th marks, i.e. 0.25 of the marks allotted for each question will be deducted in case of an incorrect answer.

There will not be any deduction for an unanswered question.

Exam Language

Both Preliminary and Mains of the NIACL AO exam process will be conducted online with objective-type questions. All the questions will be bilingual, i.e. available in both English and Hindi.

Note: This will not apply to the ‘Test of English Language’. The ‘descriptive test’ will be available only in English as the test itself will assess students’ knowledge and understanding of the English language.

NIACL AO Books

It is not just important to know the NIACL AO exam syllabus but also to be fully prepared with good-quality study material. Nowadays, study material can be divided into two categories: online and offline. Although online resources are in trend, having good books is equally important.

Books play a major role in exam preparation and you should make sure that you have quality material in hand. Beepedia is another way to stay updated with the latest news and improve your General Knowledge.

To receive proper guidance throughout, you can also take a look at NIACL AO (Generalist) Online Course, and of other streams as well, which has been prepared by experts and will assist you in planning a fruitful strategy for yourself.

NIACL AO Mock Test

The NIACL AO notification 2025 has been announced and many job aspirants who are looking for a stable government job have begun their preparations for the upcoming exam. The competition thus cannot be expected to be an easy one. Therefore, intelligence lies in preparing yourself in advance.

While you prepare, one thing that you shouldn’t ignore is enough practice. Based on the previous year's exams and the complete NIACL AO exam syllabus you can start preparing for the upcoming one. That’s where practicing NIACL AO mock tests come to the rescue.

ixamBee provides online mock tests for NIACL AO Prelims & Mains. By practicing online mock tests, you will be able to develop a fair understanding of the NIACL AO syllabus and exam pattern while analyzing your current knowledge and status.