Recruiting Organisation

National Insurance Company Limited

Short Name

NICL

Post Name

Assistant

Classification

Class-III

Total Vacancies

500

Application Mode

Online

Registration Start Date

18 July 2026

Last Date to Apply

7 August 2026

Age Limit

21–30 years

Age Cut-off Date

1 July 2026

Educational Qualification

Graduation in any discipline

Selection Process

Prelims, Mains and Regional Language Test

Phase-I Exam Date

27 August 2026

Phase-II Exam Date

30 October 2026

Starting Basic Pay

₹36,290

Approximate Monthly Emoluments

₹63,000 in metropolitan centres

Official Website

nationalinsurance.nic.co.in

Download NICL Assistant Notification 2026 PDF

Released

NICL Official Recruitment Page

Available

NICL Assistant Apply Online Link

Active from 18 July 2026

Detailed notification released

17 July 2026

Online registration begins

18 July 2026

Last date to apply online

7 August 2026

Last date for application fee payment

7 August 2026

Phase-I admit card

August 2026

Phase-I Preliminary Examination

27 August 2026

Phase-I result

To be announced

Phase-II admit card

October 2026

Phase-II Main Examination

30 October 2026

Regional Language Test

To be announced

Final result

To be announced

Assistant (Class-III)

500

Minimum Age

21 years

Maximum Age

30 years

Age Calculated As On

1 July 2026

Scheduled Caste/Scheduled Tribe

5 years

OBC Non-Creamy Layer

3 years

Persons with Benchmark Disabilities

10 years

Ex-Servicemen

As per applicable rules

Widows, divorced women and legally separated women who have not remarried

As per prescribed conditions

Existing confirmed NICL employees

As mentioned in the official notification

Other eligible categories

According to Government of India rules

SC/ST/PwBD/Ex-Servicemen

₹100, including intimation charges

All other candidates

₹850, including application and intimation charges

English Language

30

30

20 minutes

Reasoning Ability

35

35

20 minutes

Quantitative Aptitude

35

35

20 minutes

Total

100

100

60 minutes

Test of Reasoning

40

40

30 minutes

Test of English Language

40

40

30 minutes

Test of Numerical Ability

40

40

30 minutes

Test of General Awareness

40

40

15 minutes

Test of Computer Knowledge

40

40

15 minutes

Total

200

200

120 minutes

Reading Comprehension

Main idea, central theme, supporting arguments, tone of the author, inference, conclusion, factual information and contextual meaning

Passage-based questions

Cloze Test

Contextual vocabulary, grammar, sentence flow, connectors, prepositions and appropriate word selection

Fill the missing words in a passage

Error Detection

Subject–verb agreement, tense, article, preposition, pronoun, adjective, adverb, conjunction and parallelism rules

Find the incorrect part

Sentence Correction

Grammar, sentence structure, modifier placement, tense consistency and correct word usage

Replace the incorrect phrase

Sentence Improvement

Improving grammatical accuracy, clarity, word order and contextual appropriateness

Choose the best replacement

Fill in the Blanks

Vocabulary, grammar, prepositions, phrasal verbs, conjunctions and contextual usage

Single or double fillers

Para Jumbles

Logical sequence, opening sentence, concluding sentence, pronoun references and connecting ideas

Rearrange sentences

Sentence Rearrangement

Coherent formation of a paragraph using chronological and logical connections

Arrange the given statements

Phrase Replacement

Correct grammatical phrase, idiomatic usage and contextual replacement

Replace the highlighted phrase

Word Swap

Contextual meaning and grammatical suitability of words placed in different sentences

Interchange incorrectly placed words

Word Usage

Different meanings and applications of the same word

Identify correct usage

Vocabulary

Synonyms, antonyms, one-word substitutions, idioms, phrasal verbs and contextual vocabulary

Meaning and usage questions

Spelling Errors

Frequently misspelled words, silent letters, prefixes and suffixes

Identify correctly or incorrectly spelt words

Sentence Connectors

Use of however, therefore, although, despite, because, whereas and other connectors

Join two statements logically

Column-Based Questions

Matching sentence fragments according to meaning and grammar

Match Column I with Column II

Odd Sentence

Identifying a sentence that does not fit the central theme of a paragraph

Select the unrelated statement

Paragraph Completion

Understanding the flow and selecting an appropriate opening, middle or concluding sentence

Complete the paragraph

Inference Questions

Deriving an unstated but logically supported conclusion

Passage or statement-based inference

Parts of Speech

Noun, pronoun, adjective, verb, adverb, preposition, conjunction and interjection

Subject–Verb Agreement

Singular and plural subjects, collective nouns, either/or, neither/nor and indefinite pronouns

Tenses

Present, past and future tense with simple, continuous, perfect and perfect-continuous forms

Articles

Correct application of a, an and the; zero-article rules

Prepositions

Prepositions of time, place, movement, agency and manner

Pronouns

Personal, relative, reflexive, demonstrative and indefinite pronouns

Adjectives

Degrees of comparison, adjective order and quantifiers

Adverbs

Position and correct use of adverbs of manner, frequency, degree and time

Conjunctions

Coordinating, subordinating and correlative conjunctions

Modifiers

Correct placement of adjectives, adverbs and modifying phrases

Parallelism

Maintaining similar grammatical structures in lists and comparisons

Active and Passive Voice

Conversion rules across different tenses

Direct and Indirect Speech

Reporting statements, questions, commands and requests

Conditional Sentences

Zero, first, second, third and mixed conditionals

Gerunds and Infinitives

Correct verb patterns and usage

Question Tags

Formation according to tense, subject and auxiliary verb

Inequality

Direct and coded inequalities, comparison symbols, definite and possible conclusions

Relationship-based questions

Syllogism

Statements, conclusions, Venn diagrams, possibility cases and “only/few” concepts

Determine valid conclusions

Coding-Decoding

Letter coding, number coding, substitution coding, Chinese coding and conditional coding

Decode words or patterns

Blood Relations

Family tree, maternal and paternal relations, coded relations and generation gaps

Identify relationships

Direction and Distance

Cardinal directions, turns, shortest distance, displacement and final direction

Route and distance problems

Order and Ranking

Position from top and bottom, left and right, total persons and overlapping positions

Ranking-based calculations

Alphabet Series

Letter positions, forward and backward sequences, word formation and alphabetical order

Pattern-based questions

Number Series

Missing numbers, incorrect numbers and mathematical patterns

Identify the next or wrong term

Alphanumeric Series

Combined sequences of letters, numbers and symbols

Position and arrangement questions

Word Formation

Formation of meaningful words using letters of a given word

Vocabulary-based reasoning

Pair Formation

Letter pairs having the same alphabetical distance

Count valid pairs

Data Sufficiency

Determining whether one or both statements provide sufficient information

Two or three-statement questions

Input-Output

Step-by-step arrangement of numbers and words according to a machine rule

Identify intermediate or final steps

Seating Arrangement

Linear, circular, square, rectangular, parallel-row and uncertain-number arrangements

Arrangement sets

Puzzles

Floor, box, scheduling, month, day, age, designation and comparison-based puzzles

Multi-variable sets

Statement and Conclusion

Logical conclusions based strictly on the given information

Identify valid conclusions

Statement and Assumption

Identifying unstated ideas necessary for a statement to be valid

Assumption-based questions

Statement and Argument

Differentiating between strong and weak arguments

Logical-analysis questions

Cause and Effect

Identifying causal relationships between statements

Determine cause or effect

Course of Action

Selecting a practical action for a stated problem

Decision-based reasoning

Critical Reasoning

Inference, strengthen, weaken, assumption and conclusion

Analytical paragraph questions

Decision Making

Selecting the most logical decision under the given conditions

Situation-based questions

Coded Relationships

Relations represented using symbols or mathematical signs

Decode the relationship

Logical Sequence

Arranging events, actions or statements in a meaningful order

Sequence questions

Linear Arrangement

Single-row and double-row seating, same or opposite directions and uncertain number of people

Circular Arrangement

Facing the centre, facing outside and mixed-direction arrangements

Square/Rectangular Arrangement

Corner and side positions with inward or outward facing

Floor-Based Puzzle

People residing on different floors, flats, towers or buildings

Box-Based Puzzle

Stacking boxes or arranging objects from top to bottom

Scheduling Puzzle

Days, dates, months, years and time-slot arrangements

Designation Puzzle

Employees arranged according to rank, position or profession

Comparison Puzzle

Age, height, weight, marks, salary or other comparative attributes

Distribution Puzzle

Distribution of products, colours, cities, subjects or professions

Mixed-Variable Puzzle

Combination of people, places, dates and preferences

Simplification

BODMAS, fractions, decimals, percentages, square roots and cube roots

Direct calculations

Approximation

Rounding off and estimating values using nearby numbers

Approximate calculations

Number Series

Addition, subtraction, multiplication, division, squares, cubes and mixed patterns

Missing or wrong number

Quadratic Equations

Factorisation, roots and comparison of variables

Compare x and y

Number System

Natural numbers, integers, prime numbers, factors, multiples, divisibility and remainders

Conceptual numerical questions

Percentage

Percentage increase, decrease, successive change and comparison

Arithmetic word problems

Ratio and Proportion

Basic ratio, compound ratio, proportional distribution and direct/inverse proportion

Distribution questions

Average

Simple, weighted and combined averages

Age, marks and income problems

Profit and Loss

Cost price, selling price, marked price, discount and successive discount

Commercial arithmetic

Simple Interest

Principal, rate, time and interest calculation

Direct and word problems

Compound Interest

Annual, half-yearly and quarterly compounding; difference between SI and CI

Interest problems

Partnership

Investment, duration and profit-sharing ratio

Business partnership questions

Time and Work

Efficiency, work ratio, combined work and alternate-day work

Work-completion problems

Pipes and Cisterns

Inlet, outlet, leakage, filling and emptying rates

Tank-filling questions

Time, Speed and Distance

Relative speed, average speed and unit conversion

Travel-based problems

Trains

Crossing poles, platforms and other trains

Speed and length problems

Boats and Streams

Upstream, downstream and speed of stream

River-travel questions

Mixture and Allegation

Mean price, quantity ratio, replacement and concentration

Mixture problems

Ages

Present age, past age, future age and age ratios

Equation-based problems

Mensuration

Area, perimeter, volume and surface area of common figures

Two- and three-dimensional problems

Probability

Basic probability, favourable outcomes and total outcomes

Event-based questions

Permutation and Combination

Arrangements, selections and factorial concepts

Counting-based problems

Data Sufficiency

Sufficiency of mathematical statements

Arithmetic-based reasoning

Quantity Comparison

Comparing two independently calculated quantities

Quantity I and Quantity II

Data Interpretation

Tables, graphs, charts and caselets

Calculation-based sets

Percentage

Base value, percentage change and successive percentage formula

Ratio

Simplification, equivalent ratios and distribution in a given ratio

Average

Total value = Average × Number of observations

Profit and Loss

Profit/loss percentage, marked price and discount relationships

Simple Interest

SI = Principal × Rate × Time ÷ 100

Compound Interest

Amount = Principal × (1 + Rate/100)ⁿ

Time and Work

Work = Efficiency × Time; LCM method

Speed and Distance

Distance = Speed × Time

Boats and Streams

Downstream = Boat speed + Stream speed; upstream = Boat speed − Stream speed

Partnership

Profit share is proportional to investment × duration

Mixture

Allegation rule and replacement method

Mensuration

Area, perimeter, circumference, volume and surface-area formulas

Probability

Favourable outcomes ÷ Total possible outcomes

Permutation

Arrangement where order matters

Combination

Selection where order does not matter

Tabular DI

Reading rows and columns, totals, averages, ratios and percentages

Bar Graph

Comparing categories represented by horizontal or vertical bars

Line Graph

Analysing trends, increases, decreases and year-wise changes

Pie Chart

Converting angles and percentages into actual values

Caselet DI

Extracting data from a paragraph and organising it before calculation

Missing DI

Finding an unknown value using totals, ratios or percentages

Mixed Graph DI

Combining data from tables, bar graphs, lines or pie charts

Arithmetic DI

Applying profit-loss, average, ratio, time-work and percentage concepts

Radar/Web DI

Comparing multiple variables across different categories

Quantity-Based DI

Calculating and comparing two quantities using a data set

National Current Affairs

Government decisions, national events, appointments, schemes, committees and reports

International Current Affairs

Global summits, international organisations, agreements, conflicts and diplomatic visits

Banking Awareness

RBI, banking structure, bank accounts, loans, deposits, digital banking and monetary policy

Insurance Awareness

Insurance principles, products, terminology, organisations, schemes and regulations

Financial Awareness

Financial markets, instruments, inflation, fiscal policy, monetary policy and financial institutions

Indian Economy

GDP, national income, unemployment, inflation, taxation and economic indicators

Government Schemes

Central government welfare, financial-inclusion and insurance schemes

Union Budget

Major allocations, taxation measures, fiscal deficit and policy announcements

Economic Survey

Economic growth, sectoral performance, inflation, employment and major projections

Reports and Indices

Reports released by national and international organisations

Appointments

Heads of organisations, ministries, banks, insurance companies and regulatory bodies

Awards and Honours

National, international, sports, literature, science and cinema awards

Books and Authors

Important books, autobiographies and recently released publications

Important Days

National and international days with themes

Sports

Tournaments, winners, venues, records and sports appointments

Science and Technology

Space missions, defence technology, discoveries and digital innovation

Defence

Military exercises, missiles, appointments, operations and equipment

Static GK

Capitals, currencies, headquarters, national parks, dams, airports and geographical locations

Obituaries

Important national and international personalities

Summits and Conferences

Host countries, themes, participants and key outcomes

Agreements and MoUs

Agreements involving India, ministries, financial institutions and other countries

Meaning of Insurance

Risk transfer, financial protection and pooling of risk

Principles of Insurance

Utmost good faith, insurable interest, indemnity, contribution, subrogation, proximate cause and loss minimisation

Types of Insurance

Life insurance, general insurance, health insurance, motor insurance, fire insurance and marine insurance

Life vs General Insurance

Nature of risk, policy duration, indemnity and claim structure

Insurance Policy

Proposal, premium, policyholder, insurer, insured and sum insured

Premium

Factors affecting premium and modes of premium payment

Claims

Claim intimation, documentation, assessment, approval and settlement

Underwriting

Risk assessment, classification, acceptance and pricing

Reinsurance

Transfer of risk by one insurance company to another

Bancassurance

Distribution of insurance products through banks

Third-Party Administrator

Role of TPAs in health-insurance servicing and claims

Surveyor and Loss Assessor

Assessment of damage and loss in general insurance

IRDAI

Objectives, powers, responsibilities and regulatory role

Public-Sector Insurers

NICL, New India Assurance, Oriental Insurance and United India Insurance

Insurance Ombudsman

Grievance redressal and policyholder protection

Government Insurance Schemes

PMJJBY, PMSBY, Ayushman Bharat and crop-insurance schemes

Insurance Terminology

Deductible, exclusion, rider, nominee, beneficiary, maturity, surrender value and grace period

Solvency Ratio

Ability of an insurer to meet long-term financial obligations

Insurance Penetration

Insurance premium as a percentage of GDP

Insurance Density

Per-capita insurance premium

Policyholder Protection

Rights, disclosures, grievance process and fair settlement

Reserve Bank of India

Functions, monetary authority, currency issuance, regulation and supervision

Monetary Policy

Repo rate, SDF, MSF, bank rate, CRR and SLR

Types of Banks

Commercial, cooperative, regional rural, small finance and payment banks

Bank Accounts

Savings, current, fixed deposit, recurring deposit and NRI accounts

Non-Performing Assets

Classification, recognition and impact of bad loans

Basel Norms

Capital adequacy and risk-management standards

Financial Inclusion

Jan Dhan Yojana, DBT, business correspondents and basic bank accounts

Digital Payments

UPI, NEFT, RTGS, IMPS, AEPS, BBPS and digital wallets

Payment Systems

NPCI and retail-payment infrastructure

Money Market

Treasury bills, commercial paper, certificates of deposit and call money

Capital Market

Shares, bonds, mutual funds, stock exchanges and SEBI

Inflation

CPI, WPI, demand-pull inflation and cost-push inflation

Fiscal Policy

Government revenue, expenditure, taxation and borrowing

Financial Institutions

NABARD, SIDBI, EXIM Bank, NHB, IMF, World Bank and ADB

Budget Terminology

Fiscal deficit, revenue deficit, capital expenditure and disinvestment

Priority-Sector Lending

Agriculture, MSMEs, weaker sections and other priority categories

Computer Fundamentals

Definition, characteristics, generations, types and applications of computers

Computer Hardware

CPU, motherboard, processor, ports, input devices and output devices

Computer Software

System software, application software, utility software and programming software

Operating System

Functions, types, Windows basics, file management and process management

Memory

RAM, ROM, cache, registers, primary memory and secondary storage

Storage Devices

HDD, SSD, CD, DVD, pen drive, memory card and cloud storage

Input Devices

Keyboard, mouse, scanner, microphone, webcam, OCR, OMR and barcode reader

Output Devices

Monitor, printer, speaker, projector and plotter

MS Word

Formatting, editing, tables, mail merge, page layout and shortcuts

MS Excel

Cells, worksheets, formulas, functions, charts, sorting and filtering

MS PowerPoint

Slides, layouts, transitions, animations and presentation tools

Internet

Web browsers, search engines, URLs, domains and internet protocols

Email

Compose, CC, BCC, attachments, spam, phishing and email etiquette

Computer Networks

LAN, MAN, WAN, PAN, network topology and networking devices

Database

Data, database, DBMS, tables, records, fields and primary keys

Cybersecurity

Virus, malware, ransomware, phishing, firewall, encryption and authentication

Computer Virus

Types of viruses, methods of infection and prevention

Networking Devices

Router, modem, switch, hub, repeater and gateway

Cloud Computing

Cloud storage, SaaS, PaaS and IaaS

Digital Payments

UPI, mobile banking, internet banking and payment security

Computer Languages

Machine language, assembly language and high-level languages

File Extensions

Common extensions for documents, images, audio, video and compressed files

Keyboard Shortcuts

Common Windows, Word, Excel and browser commands

Emerging Technologies

Artificial intelligence, machine learning, blockchain, IoT and big data

Reasoning Ability

60–75 minutes

Puzzles, seating arrangements and speed

Quantitative Aptitude

60–75 minutes

Arithmetic, simplification and DI

English Language

45–60 minutes

Reading, grammar and vocabulary

Mock analysis

45 minutes

Errors, weak topics and time management