NICL (National Insurance Company Limited)
NICL AO Exam Pattern 2027 — Complete Question Paper Structure
Understand the marking scheme, section weights, question distribution and time strategy for National Insurance Company Limited Administrative Officer
Exam Pattern at a Glance
Exam Mode
Online (CBT)
Language
English & Hindi
Negative Marking
-0.25
Sections
5
Section-wise Pattern
| Subject / Section | Questions | Marks per Q | Total Marks | Time (approx) |
|---|---|---|---|---|
| English Language (40) | 40 | +1 | 40 | 30 min |
| Reasoning (40) | 40 | +1 | 40 | 30 min |
| Quantitative Aptitude (40) | 40 | +1 | 40 | 30 min |
| General Awareness (40) | 40 | +1 | 40 | 30 min |
| Computer Knowledge (40) | 40 | +1 | 40 | 30 min |
| Total | 200 | — | 200 | 150 min |
Time is indicative. Candidates can attempt sections in any order in CBT mode.
Marking Scheme
Correct Answer
+1
marks
Wrong Answer
-0.25
marks
Unattempted
0
marks
Marking Scheme
+1 for correct, -0.25 for incorrect
Example Calculation:
If you attempt 120 questions, get 90 correct and 30 wrong:
Score = 90 × 1 − 30 × 0.25 = 82.5 marks
Skip questions you're unsure about — negative marking can reduce your score significantly.
Time Management Strategy
You have approximately 45.0 seconds per question on average.
| Phase | Time Budget | Target Questions |
|---|---|---|
| First pass (attempt easy Qs) | 90 min | 140 Qs |
| Second pass (attempt medium) | 45 min | 40 Qs |
| Review & guess | 15 min | Remaining |
Year-wise Pattern Changes
| Year | Questions | Duration | Key Change |
|---|---|---|---|
| 2025 | 200 | 150 min | Current pattern |
| 2024 | 200 | 150 min | No major change |
| 2023 | 200 | 150 min | Section added |
Pattern history is approximate. Always check official notification.
Difficulty Distribution
Approximate question count: ~40 Easy | ~80 Medium | ~80 Hard
Based on difficulty level: hard. Actual distribution may vary.
Frequently Asked Questions
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