NICL AO Risk Engineer Exam Pattern 2026
NICL AO Risk Engineer exam pattern 2026: Phase I has 100 questions in 60 minutes. Phase II has 250 marks plus a 30-mark descriptive test.
In short
- Phase I has 100 questions for 100 marks in 60 minutes.
- Phase II for Specialists has 250 objective marks and a 30-mark descriptive test.
- The descriptive test is qualifying and does not count toward the final merit.
- A candidate must clear each section and the overall score.
On this page 6 sections
The NICL AO Risk Engineer exam pattern 2026 has three stages: Phase I, Phase II, and an interview. Phase I is on 17 November 2026 and Phase II is on 22 December 2026. National Insurance Company Limited (NICL) runs both phases online. Return to the NICL AO Risk Engineer 2026 guide for the full overview.
What is the NICL AO selection process?
Selection has three stages. Each stage filters the candidates.
- Phase I: an online objective exam.
- Phase II: an online objective exam and a descriptive test.
- Interview: the official body has not announced the date yet.
A candidate must pass each stage to move to the next stage. The notification page lists the dates.
What is the NICL AO Risk Engineer exam pattern 2026 for Phase I?
Phase I is an online test of 100 questions for 100 marks. The total time is 60 minutes. Each section has its own time limit. A candidate cannot move time from one section to another.
| Section | Questions | Marks | Time |
|---|---|---|---|
| English Language | 30 | 30 | 20 minutes |
| Reasoning Ability | 35 | 35 | 20 minutes |
| Quantitative Aptitude | 35 | 35 | 20 minutes |
| Total | 100 | 100 | 60 minutes |
The English section is in English. The other two sections are in Hindi and English.
What is the NICL AO Phase II pattern for Risk Engineers?
Phase II for Specialist posts has an objective test of 250 marks. It has six sections. The sixth section tests the subject of the post. For a Risk Engineer, this section is Risk Engineering.
| Section | Questions | Marks |
|---|---|---|
| Reasoning | 40 | 40 |
| General Awareness | 40 | 40 |
| Quantitative Aptitude | 40 | 40 |
| English Language | 40 | 40 |
| Computer Knowledge | 40 | 40 |
| Risk Engineering (professional knowledge) | 50 | 50 |
| Total | 250 | 250 |
Each section has a separate time limit. The official advertisement gives the time for each section.
How does the descriptive test work in NICL AO 2026?
The descriptive test carries 30 marks and lasts 30 minutes. It is in English. The candidate types the answers on a computer. It has three parts of 10 marks each: an essay, a precis, and a comprehension.
The test is qualifying in nature. NICL does not count the marks for interview shortlisting or final selection. NICL checks the answers only for candidates who clear the objective test. The candidate still needs the minimum score to qualify.
Do NICL AO exams have a sectional cutoff?
Yes. A candidate must clear each section on its own. The candidate must also reach the overall score. A high score in one section does not cover a low score in another section. Spend time on every section in your practice.
What is the next step after the exam pattern?
Read the NICL AO Risk Engineer eligibility 2026 rules if you have not yet. Then check the official NICL recruitment page for the Phase I call letter notice.
Frequently asked questions
What is the NICL AO Phase I exam pattern 2026?
What is the NICL AO Phase II pattern for Risk Engineers?
Is the NICL AO descriptive test qualifying?
How long is the NICL AO descriptive test?
Is there a sectional cutoff in NICL AO 2026?
What is the language of the NICL AO question papers?
Take a free NICL AO Risk Engineer 2026 mock test
Check how ready you are for NICL AO Risk Engineer 2026. You get your score, a short explanation for every answer and your weak topics.
More in this guide
- NotificationNICL AO 2026 notification lists 321 AO Scale I posts, including 28 for Risk Engineers. See key …
- NICL AO Risk Engineer 2026NICL AO Risk Engineer 2026 has 28 Specialist posts out of 321. Check dates, eligibility, basic pay …
Join our Telegram channel to hear when new study guides and mock tests go live.
Written by the BunkPoint team and not connected with any exam-conducting body. Check the official notification for dates and rules. How we write · Report a mistake