NIACL AO result 2025. The phase 2 exam is on October 29. The result will be out after the phase II exam. The date is not out as yet but we are expecting the result will be out in November itself.
The Phase II (Mains) examination will take place on 29 October 2025.
Table of contents
NIACL AO 2025 Exam Timeline
| Stage | Event | Date |
| Prelims Exam | 14 September 2025 | Conducted successfully |
| Prelims Result | 9 October 2025 | Released on official website |
| Mains Exam (Phase II) | 29 October 2025 | Scheduled |
| Phase II Admit Card | 20 October 2025 | Released |
| Phase II Result | Expected in November 2025 | Yet to be declared |
The result can be out in November 2025 for NIACL AO Phase II (Mains) exam 2025 after the completion of the Mains exam on 29 October 2025. Once declared, the result PDF will be made available on the official NIACL website — www.newindia.co.in
We are presenting the cut off data of previous year 2023 provided by official and credible sources. Here is the reference cut off pattern that helps candidates estimate their marks.
NIACL AO Previous Mains (Phase-II) Cutoff (Out of 200 Marks)
| Discipline | SC | ST | OBC | EWS | UR | HI | OC | VI | ID/MD |
| Generalist | 86.50 | 76.75 | 95.25 | 98.50 | 103.75 | 64.50 | 91 | 99.25 | 86 |
| Risk Engineers | 77.25 | 72 | 84.25 | 90.25 | 95.75 | 55.75 | 61 | — | 40.75 |
| Automobile Engineers | 53.50 | 41.50 | 50.75 | 20.25 | 70 | — | 19.25 | 54.25 | — |
| Legal Officers | 70 | 64.75 | 71.50 | 71.25 | 85.75 | 39.25 | 58.25 | 68.50 | 57.50 |
| Accounts | 30 | 51.25 | 35.50 | 72.50 | 74.75 | 66.75 | — | — | — |
| Health | 51.50 | 32.75 | 53.50 | 42.75 | 64.50 | 19.50 | 26 | — | 35.75 |
| IT Specialists | 77.75 | 69.25 | 79.25 | 81 | 86.75 | 43.75 | — | — | — |
NIACL AO Mains (Phase-II) Expected 2025 Cutoff Trend
- The Generalist (UR) cutoff is to be in range between 98–107 marks, depending on paper difficulty.
- OBC & EWS categories may fall between 90–98 marks.
- Reserved categories (SC/ST) are likely between 75–88 marks, similar to the previous cycle.
State-wise Allocation
While NIACL AO vacancies are not state-wise (since it’s an all-India cadre post), regional preferences apply only during posting. Thus, cut-offs releases category-wise and discipline-wise, not state-wise.
The official NIACL AO Phase-II 2025 cutoffs will be out in November 2025 at www.newindia.co.in after the Mains result publication.
The minimum qualifying marks for the NIACL AO Phase II (Mains) 2025 Objective Paper New India Assurance Company Limited (NIACL) fixes on a section-wise and category-wise basis. Candidates must secure these marks in each section for their Descriptive Paper for evaluation.
Section-wise Minimum Qualifying Marks (Objective Test – 200 marks)Section SC/ST/OBC/PwBD EWS/UR Reasoning Ability (50) 11.50 14.50 English Language (50) 19.00 22.00 General Awareness (50) 3.00 5.25 Quantitative Aptitude (50) 14.75 17.00
(It is necessary for the candidates to score equal to or above each of these thresholds to qualify for descriptive evaluation and interview shortlisting.).
Key Rules
- These minimum scores apply only to the Objective Paper; candidates must separately qualify in the Descriptive Test (30 marks) with 15 marks for UR/EWS/OBC and 13.5 marks for SC/ST/PwBD.
- Marks scored in the Descriptive Paper are qualifying in nature only and do not contribute to the final merit.
- The final merit is out by combining the Objective Paper and Interview marks in a 75:25 ratio.
Therefore, to pass the Phase II (Mains) Objective Test, candidates must meet the sectional minimums mentioned above according to their category.
For the NIACL AO Phase II (Mains) 2025, the Descriptive Test is an essential qualifying stage conducted immediately after the objective paper. It evaluates a candidate’s proficiency in written English communication through Essay Writing and Letter Writing.
Structure of the Descriptive TestComponent Marks Word Limit Duration Essay Writing 20 250–300 words 30 minutes (total) Letter Writing 10 150–200 words Total Marks: 30 Duration: 30 minutes Mode: Online
Minimum Qualifying Marks (Category-wise)Category Qualifying Marks (out of 30) SC / ST / PwBD 13.5 OBC / EWS / UR 15.0 (Candidates must secure these marks to qualify for the interview process.)
Evaluation Criteria
The Descriptive Paper assess the candidates on multiple qualitative parameters emphasizing language skill and expression:
- Content & Relevance – How effectively the answer addresses the given topic or situation.
- Grammar & Vocabulary – Appropriate sentence construction, grammar accuracy, and word variety.
- Structure & Clarity – Logical flow of ideas and organization in essay and letter writing.
- Adherence to Word Limit – Staying within the stipulated range for clarity and focus.
Important Evaluation Guidelines
- The Descriptive Test is qualifying in nature; NIACL does not add scores to the final merit list but candidates must pass it to proceed to the interview.
- Answers are typed on-screen and evaluated electronically for grammatical precision and flow.
- Failure to meet the qualifying marks results in disqualification, even if the objective test cut-off is cleared.
Hence, candidates need at least 15 marks (UR/EWS/OBC) or 13.5 marks (SC/ST/PwBD) in the Descriptive Paper and must demonstrate clarity, relevance, and grammatical strength to clear the Phase-II exam.
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