NIACL AO (New India Assurance Officer) Syllabus 2026

The complete NIACL AO (New India Assurance Officer) syllabus for 2026 — 5 sections and 41 topics in all, organised exactly as the The New India Assurance Company Limited (NIACL) prescribes. Use it as your revision checklist, then test yourself with a free NIACL AO (New India Assurance Officer) mock below.

Reasoning Ability (Prelims + Mains)9 topics

Puzzles — floor, box, day-month, year and comparison-based (high weight)
Seating arrangement — linear (single and double row), circular, square, parallel rows
Syllogism — including possibility-based and reverse syllogism
Blood relations, direction sense, ranking and order
Coding-decoding — symbol-based and word-based new pattern
Inequalities — direct and coded
Input-Output (Mains-level) and data sufficiency
Logical reasoning — statement and assumption, statement and conclusion, course of action
Mains additions — critical reasoning, passage-based reasoning, alphanumeric series

Quantitative Aptitude (Prelims + Mains)9 topics

Number series — missing, wrong-term, next-term
Simplification, BODMAS, surds and indices
Quadratic equations — comparing two quadratics (x and y relationship)
Arithmetic — percentages, ratio-proportion, averages, ages, partnership, mixtures and alligation
Time and Work, Pipes and Cisterns, Time-Speed-Distance, Boats and Streams, Trains
Simple Interest, Compound Interest, Profit-Loss-Discount
Data Interpretation — Tables, Bar/Line/Pie charts, Caselet DI, Mixed DI, Missing DI
Data Sufficiency, Quantity-1 vs Quantity-2 comparison
Permutation, Combination, Probability and Mensuration (2D and 3D)

English Language (Prelims + Mains)7 topics

Reading Comprehension — 1-2 passages per set (general insurance / economy / general themes)
Cloze Test — new pattern with logical fillers
Error spotting, sentence correction, sentence improvement
Para-jumbles, paragraph completion, sentence rearrangement
Phrase replacement, fill-in-the-blanks (single and double), word usage and word swap
Vocabulary — synonyms, antonyms, idioms and phrases
Mains descriptive — Letter Writing (formal complaint / formal request) and Essay (200-250 words)

General Awareness with Insurance and Banking Focus (Mains)9 topics

Insurance Awareness — General Insurance Business (Nationalisation) Act 1972 (effective 1 January 1973), GIC and four PSU general insurers (NIACL, Oriental, National, United India), IRDA Act 1999
Insurance Act 1938 — key sections: 2(d) definition of insurer, 27A solvency (minimum 150 percent), 64UM licensing of agents/brokers/surveyors, 64VB no risk without premium
Types of general insurance — Motor (third-party mandatory under Motor Vehicles Act 1988), Health, Fire, Marine (cargo, hull), Engineering, Liability, Miscellaneous
Principles of general insurance — utmost good faith, insurable interest, indemnity, subrogation, contribution, proximate cause
Reinsurance basics — facultative vs treaty, proportional vs non-proportional, GIC Re as Indian reinsurer
NIACL company facts — founded 1919 by Sir Dorabji Tata, nationalised 1973, IPO November 2017, 27 overseas branches
Government schemes with insurance angle — PMFBY (crop), Ayushman Bharat PMJAY, PMJJBY, PMSBY, APY
Banking and financial sector basics — RBI structure, MPC, monetary policy tools, SEBI, IRDAI
Current affairs (national and international) of the last 6-8 months, awards, sports, government schemes

Computer Knowledge (Mains)7 topics

Fundamentals — generations, types, hardware-software
Operating systems — Windows, Linux basics, file management, shortcut keys
MS Office — Word, Excel formulas, PowerPoint, Outlook
Internet and networking — LAN/WAN/MAN, IP basics, browsers, search engines, email
Computer security — virus, phishing, firewall, antivirus, two-factor authentication
Database basics — DBMS, RDBMS, SQL fundamentals
Recent IT terminology — cloud, blockchain, AI/ML basics, mobile and digital payments

Know the syllabus — now see where you stand.

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