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100+ Free NICL AO Practice Questions

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2026 Statistics

Key Facts: NICL AO Exam

100

Prelims Questions

60-minute duration

0.25

Negative Marking

Per wrong answer

80:20

Mains & Interview Weightage

Final selection ratio

₹1,000

Application Fee

General/OBC/EWS candidates

60%

Minimum Graduation Marks

For General category eligibility

The NICL AO exam is a three-stage selection process: Preliminary Exam (qualifying, 100 objective questions, 60 minutes), Main Exam (objective section of 200/250 marks + descriptive test of 30 marks), and Interview. Final ranking uses an 80:20 ratio between the Mains Objective and Interview scores. Negative marking of 0.25 marks per wrong objective answer applies.

Sample NICL AO Practice Questions

Try these sample questions to test your NICL AO exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Find the next term in the given number series: 4, 11, 25, 53, 109, ?
A.221
B.219
C.223
D.217
Explanation: The pattern in the series is as follows: Multiply each term by 2 and add 3 to get the next term. (4 * 2) + 3 = 11; (11 * 2) + 3 = 25; (25 * 2) + 3 = 53; (53 * 2) + 3 = 109; (109 * 2) + 3 = 221.
2Identify the next number in the square-based series: 121, 144, 169, 196, 225, ?
A.256
B.289
C.272
D.240
Explanation: The series consists of the squares of consecutive integers starting from 11: 11^2 = 121, 12^2 = 144, 13^2 = 169, 14^2 = 196, 15^2 = 225. The next number is the square of 16, which is 16^2 = 256.
3Simplify the following mathematical expression: (18 * 14) + 12 - 36 / 6
A.258
B.250
C.262
D.260
Explanation: Using the BODMAS rule, perform multiplication and division first, then addition and subtraction: 18 * 14 = 252; 36 / 6 = 6. Substituting these values gives 252 + 12 - 6 = 264 - 6 = 258.
4In the following quadratic equations, determine the relationship between x and y: I. x^2 - 7x + 12 = 0 II. y^2 - 9y + 20 = 0
A.x > y
B.x < y
C.x <= y
D.x >= y
Explanation: Solving Equation I: x^2 - 7x + 12 = 0 gives roots x = 3 and x = 4. Solving Equation II: y^2 - 9y + 20 = 0 gives roots y = 4 and y = 5. Comparing the values: when x = 3, it is less than both roots of y (4 and 5); when x = 4, it is equal to y = 4 and less than y = 5. Thus, x <= y.
5If the cost price of 15 articles is equal to the selling price of 12 articles, what is the profit percentage?
A.20%
B.25%
C.15%
D.30%
Explanation: Let the cost price (CP) of 1 article be Rs. 1. Therefore, the CP of 12 articles = Rs. 12. The selling price (SP) of 12 articles is given as equal to the CP of 15 articles, which is Rs. 15. Profit = SP - CP = Rs. 15 - Rs. 12 = Rs. 3. Profit Percentage = (Profit / CP) * 100 = (3 / 12) * 100 = 25%.
6The average of five consecutive odd numbers is 35. What is the largest of these numbers?
A.37
B.39
C.41
D.43
Explanation: Let the five consecutive odd numbers be x-4, x-2, x, x+2, and x+4. Their average is their middle term, which is x. Therefore, x = 35. The numbers are 31, 33, 35, 37, and 39. The largest of these numbers is 39.
7A train 150 meters long passes an electric pole in 9 seconds. What is the speed of the train in km/h?
A.60 km/h
B.54 km/h
C.72 km/h
D.66 km/h
Explanation: The speed of the train in m/s = Distance / Time = 150 / 9 = 50/3 m/s. To convert this to km/h, multiply by 18/5: (50/3) * (18/5) = 10 * 6 = 60 km/h.
8The area of a circle is 154 cm^2. What is its circumference?
A.22 cm
B.44 cm
C.88 cm
D.66 cm
Explanation: The area of a circle is given by pi * r^2 = 154. Using pi = 22/7, we get: (22/7) * r^2 = 154 => r^2 = 154 * 7 / 22 = 49 => r = 7 cm. The circumference is 2 * pi * r = 2 * (22/7) * 7 = 44 cm.
9A card is drawn from a well-shuffled pack of 52 playing cards. What is the probability of drawing either a King or a Queen?
A.2/13
B.1/13
C.4/13
D.8/13
Explanation: In a deck of 52 cards, there are 4 Kings and 4 Queens. The number of favorable outcomes is 4 + 4 = 8. The total number of outcomes is 52. Probability = 8 / 52 = 2 / 13.
10Find the next term in the sequence: 7, 8, 18, 57, 232, ?
A.1165
B.1157
C.1160
D.1162
Explanation: The sequence follows the recurrence pattern: T(n) = T(n-1) * n + n. First term: 7. Second term: (7 * 1) + 1 = 8. Third term: (8 * 2) + 2 = 18. Fourth term: (18 * 3) + 3 = 57. Fifth term: (57 * 4) + 4 = 232. Sixth term: (232 * 5) + 5 = 1160 + 5 = 1165.

About the NICL AO Exam

The National Insurance Company Limited (NICL) Administrative Officer (AO) exam is a highly competitive national-level examination in India. It recruits Generalists and Specialists (in disciplines like Information Technology, Finance, Legal, Actuarial, Automobile Engineering, etc.) for Officer Scale-I posts. The exam tests candidates on Quantitative Aptitude, Reasoning Ability, English Language, General/Insurance Awareness, and Computer Knowledge.

Questions

100 scored questions

Time Limit

60 minutes (Prelims)

Passing Score

Determined by category and section-wise cut-offs

Exam Fee

₹1,000 for Gen/OBC/EWS, ₹250 for SC/ST/PwBD (National Insurance Company Limited (NICL))

NICL AO Exam Content Outline

35%

Reasoning Ability

Logical reasoning, puzzles (circular, linear, box, floor), seating arrangements, syllogism, coding-decoding, blood relations, distance & direction, data sufficiency, and input-output.

35%

Quantitative Aptitude

Data interpretation (bar, line, pie, tabular, caselet), number series, quadratic equations, and arithmetic word problems (percentages, profit/loss, average, time-work, speed-distance-time, partnership, simple/compound interest, probability).

30%

English Language

Reading comprehension, cloze test, spotting errors, sentence rearrangement, fill in the blanks, and phrase replacement.

How to Pass the NICL AO Exam

What You Need to Know

  • Passing score: Determined by category and section-wise cut-offs
  • Exam length: 100 questions
  • Time limit: 60 minutes (Prelims)
  • Exam fee: ₹1,000 for Gen/OBC/EWS, ₹250 for SC/ST/PwBD

Keys to Passing

  • Complete 500+ practice questions
  • Score 80%+ consistently before scheduling
  • Focus on highest-weighted sections
  • Use our AI tutor for tough concepts

NICL AO Study Tips from Top Performers

1Speed and accuracy are key in Prelims - focus on fast calculations (tables, squares, cubes, percentage fractions).
2Practice multi-variable puzzles and seating arrangements daily; they form the bulk of the Reasoning section.
3Read business newspapers or financial editorials daily to improve reading speed for English and stay updated on general awareness.
4Pay special attention to insurance-related terms, concepts, and news (IRDAI, reinsurance, principle of utmost good faith) for the Mains GA section.
5Attempt mock tests under strict timed conditions to build stamina and master section-wise time management.

Frequently Asked Questions

What is the exam structure for NICL AO Prelims?

The Preliminary exam consists of 100 multiple-choice questions across three sections: English Language (30 questions), Reasoning Ability (35 questions), and Quantitative Aptitude (35 questions). The total duration is 60 minutes, with sectional timings of 20 minutes each. It is a qualifying exam with negative marking of 0.25 marks for wrong answers.

Does NICL AO have negative marking?

Yes, both Prelims and Mains objective sections have a negative marking penalty of 0.25 (one-fourth) of the marks assigned to the question for every incorrect answer. No marks are deducted for unattempted questions.

What is the final selection weightage for NICL AO?

The final merit list is compiled using scores from the Phase II Main examination (objective test only) and the Phase III Interview, with a weightage ratio of 80:20 respectively. Prelims and descriptive tests are qualifying in nature.

What is the eligibility criteria for the Generalist post?

A candidate must hold a Graduate or Post-graduate degree in any discipline from a recognized university with at least 60% marks in aggregate for General/OBC/EWS candidates, and 55% for SC/ST/PwBD candidates. The age limit is typically 21 to 30 years as of the specified eligibility date.

What topics are covered in the General Awareness section of Mains?

General Awareness covers daily current affairs, banking/financial awareness, static GK (countries, capitals, national parks, etc.), and a substantial focus on insurance sector concepts, terms, and history (such as IRDAI regulations, type of insurance products, insurance history in India).