What is the total number of vacancies in NICL AO Recruitment 2026?

NICL has announced 321 vacancies for Administrative Officers (Scale-I) from the open market. This comprises 200 Generalist posts and 121 Specialist posts across 7 disciplines (Risk Engineers: 28, Finance CA/CMA: 20, Legal: 20, Automobile: 20, Agriculture: 20, Information Technology: 11, Company Secretaries: 2).

What is the educational qualification cutoff date for NICL AO 2026?

The candidate must possess the qualifying mark-sheet and degree certificate as on 01.10.2026 with at least 60% marks in aggregate (55% for SC/ST/PwBD). The percentage of marks is calculated by dividing total marks obtained across all semesters/years by maximum marks.

What are the age limits and relaxation criteria for NICL AO 2026?

The candidate must be between 21 and 30 years of age as on 01.10.2026 (born between 02.10.1996 and 01.10.2005, both dates inclusive). Age relaxation is available: SC/ST: +5 Years (up to 35 Yrs), OBC Non-Creamy Layer: +3 Years (up to 33 Yrs), PwBD: 10 to 15 Years, Ex-Servicemen: 5 Years, and existing confirmed employees of PSGICs: 8 Years.

What is the negative marking scheme in NICL AO Preliminary and Main Exams?

There is a negative marking penalty of one-fourth (0.25 marks) of the marks assigned to that question for every incorrect answer marked in the objective tests of both Phase-I (Preliminary) and Phase-II (Main) examinations. No penalty is deducted for unanswered questions.

What are the starting salary and emoluments of an NICL Administrative Officer (Scale-I)?

The starting Basic Pay is ₹82,485/- in the scale of ₹82,485 - 4050(14) - 139185 - 4390(4) - 156745. Total monthly emoluments are approximately ₹1,14,000/- per month in Metropolitan centres, plus company-leased residential accommodation, NPS pension, gratuity, medical cover, and leave travel allowances.

Is there a service guarantee bond and probation period for NICL AO?

Yes. Appointed candidates serve a probation period of 1 year from joining (extendable up to 1 additional year) and must pass the Licentiate Examination of the Insurance Institute of India. Candidates must execute a Guarantee Bond undertaking to serve NICL for a minimum of 4 years (including probation). Resigning before 4 years incurs liquidated damages equal to 1 year's gross salary paid during probation.

Can a candidate apply for both Generalist and Specialist disciplines?

No. As per the official notification, a candidate can apply for only ONE discipline. In case of multiple applications within the same discipline or across disciplines, only the latest completed application will be retained and application fees for earlier registrations stand forfeited.

How is the final merit list prepared for NICL AO Scale-I?

Final selection is based on the consolidated score of Phase-II Main Examination (Objective test of 250 marks) and Interview in an 80:20 weightage ratio. The Descriptive English Test (30 marks) is qualifying in nature.

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NICLGovt. Board

NEW JOB

New Job AlertNICLAll India State Jobs →Central SectorAdvt No: Recruitment of 321 Administrative Officers (Generalists & Specialists) (Scale I) 2026–27

NICL AO Recruitment 2026 (321 Posts)

NICL AO Recruitment 2026: Apply Online for 321 Administrative Officers (Scale-I) Generalist & Specialist Posts, Official Notification PDF, Syllabus, PYQ Papers & Exam Dates

National Insurance Company Limited (NICL) has officially published the recruitment notification for 321 Administrative Officers (Scale-I) in both Generalist (200 Posts) and Specialist (121 Posts) disciplines across Finance, Legal, Information Technology, Automobile Engineering, Risk Engineering, Company Secretaries, and Agriculture. Eligible candidates holding a recognized Bachelor's or Master's degree with minimum 60% aggregate marks (55% for SC/ST/PwBD) can register online on the IBPS portal from 08 October 2026 to 28 October 2026. The Phase-I Preliminary Examination is scheduled for 17 November 2026, followed by the Phase-II Main Examination on 22 December 2026. Starting basic pay is ₹82,485/- in the revised scale with total monthly gross emoluments of approximately ₹1,14,000/- in Metropolitan centres along with comprehensive public sector benefits and pension coverage.

Official 2026

NICL AO Recruitment 2026 (321 Posts) Official Guide321 Posts

Vacancies

321

Last Date

28 October 2026

Status

Application Open

All-in-One Exam Command Hub & Latest Official UpdatesSingle-Page Live Tracker

Every update (Syllabus, Exam Pattern, Notification, Apply Online, Admit Card, Result) is updated right here on this single page — tap any tab below

Exam: Phase-I Prelims: 17 November 2026 | Phase-II Mains: 22 December 20263 Verified Updates Active

Live Recruitment Lifecycle Stage Tracker (Tap any stage to inspect):

Latest Official Updates Log (Click any update to open its tab view immediately):

Important Dates

Notification Release Date07 October 2026

Online Application Start Date08 October 2026

Last Date to Apply Online28 October 2026

Last Date to Pay Fee28 October 2026

Exam DatePhase-I Prelims: 17 November 2026 | Phase-II Mains: 22 December 2026

Admit Card Release DateNovember 2026 (7–10 days before exam)

Result DatePhase-I Result: December 2026 | Final Result: Early 2027

Application Fee

General / OBC / EWSGeneral / OBC / EWS Candidates: ₹1,000/- (Application Fee + Intimation Charges & 18% GST)

SC / ST / ReservedSC / ST / Persons with Benchmark Disabilities (PwBD): ₹250/- (Intimation Charges & GST only)

PH (Divyang) / FemaleGeneral/OBC/EWS Female: ₹1,000/- | SC/ST/PwBD Female: ₹250/- (Category-wise fee applicable)

Payment Mode:Online Mode via Debit Card (RuPay/Visa/MasterCard/Maestro), Credit Card, Internet Banking, IMPS, Cash Cards / Mobile Wallets

Eligibility Criteria

Educational Qualification:

Generalist: Bachelor's / Master's Degree in any discipline with at least 60% marks (55% for SC/ST/PwBD). Specialists: Finance (Chartered Accountant ICAI / CMA ICWAI + Graduation with 60%), Legal (Graduate / Post Graduate in Law with 60%), Information Technology (B.E./B.Tech/M.E./M.Tech in CS/IT or MCA with 60%), Automobile Engineering (B.E./B.Tech in Automobile or any branch + 1-Yr Diploma in Automobile with 60%), Risk Engineers (Engineering Graduation/PG with 60%), Agriculture (4-Year Graduate / PG in Agriculture/Agri Biotech/Agri Engg with 60%), Company Secretaries (ACS/FCS from ICSI + Graduation with 60%). Qualifying degree must be completed as on 01.10.2026.

Age Limit:

Minimum 21 Years & Maximum 30 Years as on 01/10/2026 (Born between 02/10/1996 and 01/10/2005, both dates inclusive). Upper age relaxation: SC/ST +5 Years (up to 35 Yrs), OBC Non-Creamy Layer +3 Years (up to 33 Yrs), PwBD General/EWS +10 Years, PwBD OBC +13 Years, PwBD SC/ST +15 Years, Ex-Servicemen +5 Years, Existing Confirmed Employees of PSGICs +8 Years.

Instant Age & Eligibility Checker (As on 01/07/2026):

Your Date of Birth

Category Quota

✅ You Are Age-Eligible!

Exact Age on 01/07/2026: 25 Yrs, 1 Months, 16 Days (Allowed: 18–30 Yrs)

Exam Pattern

SubjectQuestionsMarksDuration

Phase-I: English Language303020 Minutes

Phase-I: Reasoning Ability353520 Minutes

Phase-I: Quantitative Aptitude353520 Minutes

Phase-II (Mains): Reasoning505040 Minutes

Phase-II (Mains): General Awareness (Insurance/Finance)505030 Minutes

Phase-II (Mains): Quantitative Aptitude505040 Minutes

Phase-II (Mains): English Language505040 Minutes

Phase-II (Mains): Computer Knowledge505030 Minutes

Phase-II (Mains Descriptive): Essay, Précis & Comprehension33030 Minutes

Selection Process

1Stage 1: Phase-I Preliminary Examination (Online Objective CBT – 100 Questions, 100 Marks, 60 Minutes with 20-min Sectional Timings; Penalty -0.25)

2Stage 2: Phase-II Main Examination (Online Objective CBT – 250 Marks, 180 Minutes) + Computer Typing Descriptive English Test (30 Marks, 30 Minutes)

3Stage 3: Interview (80:20 Weightage Ratio between Phase-II Mains Objective Score and Interview Marks)

4Stage 4: Document Verification (DV), Identity Biometrics & Pre-Employment Medical Examination

Syllabus

General Studies Syllabus (PDF)

Subject-wise Detailed Syllabus (PDF)

Topic-wise Exam Breakdown

Previous Year Question Papers (PDF)

NICL AO Recruitment 2026 (321 Posts) Official Subject-Wise & Micro-Topic Syllabus (6 Subjects)

NICL Master Syllabus

Official Advertisement: Recruitment of 321 Administrative Officers (Scale-I) (Generalists & Specialists) 2026–27

Total Questions

Phase-I Prelims: 100 Qs | Phase-II Mains: 250 Qs + 3 Descriptive Topics

Maximum Marks

Prelims: 100 Marks | Mains: 250 Marks (Objective) + 30 Marks (Descriptive)

Exam Duration

Prelims: 60 Minutes (20 Mins Sectional) | Mains: 3 Hours (180 Mins) + 30 Mins Descriptive

Negative Marking

0.25 Marks (1/4th Penalty per Wrong Answer in Objective Tests)

#ENG-LANG

English Language (Phase-I: 30 Marks | Phase-II: 50 Marks Objective + 30 Marks Descriptive)

Graduation Standard (Objective + Essay/Précis/Comprehension Typing)30 / 50 (+30 Desc) Marks

Reading Comprehension (Insurance Sector Trends, Climate Risk, Financial Underwriting, ESG & Global Macro Economy)

Cloze Test, Para Jumbles, Fill in the Blanks (Single, Double & Column Matching)

Error Detection, Sentence Correction, Phrase Replacement, Word Usage & Misspelled Words

Descriptive English (Phase-II): Essay Writing (10 Marks - 150 words), Précis Writing (10 Marks), and Reading Comprehension (10 Marks) typed on computer keyboard

#REAS-ABIL

Reasoning Ability (Phase-I: 35 Marks | Phase-II: 50 Marks Generalist / 40 Marks Specialist)

High-Level Logical & Analytical Standard35 / 50 Marks

Seating Arrangements: Circular, Linear (Single & Double Row with Facing In/Out), Triangular & Square/Rectangular

Complex Puzzles: Floor & Flat, Box Puzzles, Month/Day/Date-Wise Scheduling, Category & Blood Relation Puzzles

Syllogisms (Only a Few, Some Not, Possibility Cases), Inequalities (Coded & Direct)

Coding-Decoding (Chinese/New Pattern), Direction & Distance Sense, Order & Ranking, Machine Input-Output

Critical Reasoning (Mains): Statement and Assumptions, Arguments, Course of Action, Cause & Effect, Drawing Inferences

#QUANT-APT

Quantitative Aptitude (Phase-I: 35 Marks | Phase-II: 50 Marks Generalist / 40 Marks Specialist)

Advanced Numerical Calculation & Data Interpretation35 / 50 Marks

Data Interpretation: Tabular DI, Bar Graphs, Line Graphs, Pie Charts, Radar Charts, Missing DI & Caselet DI (Paragraph Based)

Speed Math: Simplification, Approximation, Missing and Wrong Number Series, Quadratic & Higher-Degree Equations

Arithmetic Foundations: Percentages, Profit, Loss & Discount, Simple & Compound Interest, Ratio, Proportion & Partnership

Advanced Arithmetic: Time & Work, Pipes & Cisterns, Speed, Time & Distance, Trains & Boats, Mixtures & Alligations, Mensuration (2D/3D), Permutation, Combination & Probability

#GEN-INS-AWARE

General Awareness with Special Reference to Insurance & Financial System (Phase-II: 50 Marks Generalist / 40 Marks Specialist)

Insurance Industry, Economy, IRDAI & Current Affairs Specialization50 / 40 Marks

Principles of General Insurance: Utmost Good Faith, Insurable Interest, Indemnity, Subrogation, Contribution, Proximate Cause

IRDAI (Insurance Regulatory and Development Authority of India) Regulations, Bima Vistaar, Bima Sugam, Bima Trinity

Types of General Insurance: Motor Vehicle Act Third Party vs Own Damage, Health Insurance, Fire & Marine Cargo, Crop Insurance (PMFBY)

Public Sector General Insurance Companies: NICL, New India Assurance (NIACL), Oriental Insurance (OICL), United India (UIIC), GIC Re

Financial Institutions, RBI Monetary Policy, Union Budget, Economic Survey, Government Schemes, and National/International Current Affairs (Last 6 Months)

#COMP-KNOW

Computer Knowledge (Phase-II: 50 Marks Generalist / 40 Marks Specialist)

Practical Information Technology & Office Automation50 / 40 Marks

Computer Fundamentals: Hardware Architecture, CPU, Memory Hierarchy (RAM, ROM, Cache, SSD)

Operating Systems (Windows, Linux, Mobile OS), File Systems & Disk Management

Microsoft Office: MS Word, MS Excel (VLOOKUP, Pivot Tables, Formulas), MS PowerPoint & Keyboard Shortcuts

Networking & Internet: LAN, WAN, IP Addressing, OSI & TCP/IP Models, Routers, Switches, Network Protocols (HTTP, FTP, DNS)

Cybersecurity Fundamentals: Malware, Ransomware, Phishing, Firewalls, Encryption, Digital Signatures & Cyber Law in India

#TECH-PROF

Technical & Professional Knowledge (Phase-II Specialist Streams: 50 Questions / 50 Marks)

Professional Cadre Specialization (Finance, Legal, IT, Automobile, Risk, CS, Agriculture)50 Marks

Finance (CA & CMA): Corporate Accounting, Ind AS, Tax Laws (GST & Income Tax Act 1961), Auditing Standards, Cost Management, Financial Analysis & Working Capital

Legal: Constitution of India, Insurance Act 1938, Consumer Protection Act 2019, Motor Vehicles Act 1988/2019, Arbitration & Conciliation, Contract Act, CPC & CrPC

Information Technology: Software Engineering, Data Structures & Algorithms, DBMS & SQL, Cloud Computing, System Security, Python/Java Basics & API Architecture

Automobile Engineering: IC Engines, Automotive Chassis & Transmission, Vehicle Dynamics, Motor Accident Claims Assessment, EV Battery Technology & Safety Standards

Risk Engineers: Industrial Safety & Risk Management, Structural Stability, Fire Protection & NFPA Standards, Hazard Identification, Risk Mitigation & Environmental Engineering

Agriculture: Agronomy, Crop Production, Soil Science, Agricultural Economics, Horticulture, Plant Pathology, Crop Insurance Underwriting & Disaster Assessment

Company Secretaries: Companies Act 2013, Corporate Governance, SEBI Regulations, Secretarial Standards (SS-1 & SS-2), Board Procedures & Compliance Filings

Official Commission Note: Per Clause 8 of Official Notification: Candidates are shortlisted for Phase-II Mains examination at approximately 15 times the number of vacancies based on aggregate and sectional cutoffs. Descriptive English Test (30 Marks) is qualifying in nature. Final selection is based on Mains Objective Score + Interview in 80:20 ratio.

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NICL AO Recruitment 2026 (321 Posts) Revised Vacancies (321 Posts)

Official Corrigendum dated 29.09.2026 across 11 Public Sector Banks

+260 Increased

UR (Unreserved)

138

80 Generalist + 58 Specialist

OBC (Non-Creamy Layer)

55 Generalist + 31 Specialist

SC (Scheduled Caste)

30 Generalist + 13 Specialist

EWS (Economically Weaker)

20 Generalist + 12 Specialist

ST (Scheduled Tribe)

15 Generalist + 7 Specialist

PwBD (Horizontal Benchmark)

8 Generalist + 7 Specialist

Participating Bank-wise Vacancies

Participating Public Sector BankRevised Vacancies

Generalist Officers (Scale-I)200

Risk Engineers28

Finance (CA & CMA)20

Legal Officers20

Automobile Engineers20

Agriculture Officers20

Information Technology (IT)11

Company Secretaries (CS)2

NICL AO Recruitment 2026 (321 Posts) In-Hand Salary & Perks Calculator

Starting basic pay ₹24,050 under 12th Bipartite Settlement

12th BPS Pay Scale

Starting Basic Pay

₹24,050

Increment: ₹1,340/yr

Dearness Allowance (DA)

₹3,776

~15.7% of Basic

House Rent Allowance

₹2,165

9% Metro

Net In-Hand Salary

₹31,802

Take-home per month

Statutory Deductions & Perks:

• Gross monthly salary is ~₹34,785. Deductions include EPF/NPS contribution of ₹2,783 and ₹200 Professional Tax.

• In addition to monthly salary, bank clerks receive annual medical aid, newspaper reimbursements, concessional staff loans (Home/Vehicle/Personal), and subsidized leave fare concession (LFC).

Frequently Asked Questions (NICL AO Recruitment 2026 (321 Posts))

Verified statutory answers on exam dates, admit card, vacancies, and syllabus

Latest Update

NICL AO Recruitment 2026 (321 Posts) Notification Released – 07 October 2026

Online Application Starts – 08 October 2026

Last Date to Apply – 28 October 2026

Exam Date – Phase-I Prelims: 17 November 2026 | Phase-II Mains: 22 December 2026

Admit Card Release – November 2026 (7–10 days before exam)

Result – Phase-I Result: December 2026 | Final Result: Early 2027

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