The NIACL AO Interview are designed to evaluate a candidate’s knowledge, personality, communication skills, and suitability for the Administrative Officer role. Questions are usually based on educational background, work experience, insurance and banking awareness, current affairs, and personal traits. Being well-prepared for these questions helps candidates answer confidently and improve their overall interview score, increasing their chances of final selection. The NIACL AO interview carries a weightage ratio of 75:25 along with the online exam, making it a crucial stage of the recruitment process.  By practising the NIACL AO interview questions, candidates can prepare effectively for the interview. Here we have provided NIACL AO interview questions and the answer PDF. The candidates can access and download the question and answer PDF in this article. 

Attempt Descriptive Writing Test For NIACL AO 2026

Interview Questions for NIACL AO 2026

We have compiled the most common questions for the NIACL AO Interview 2026. 

Common Personal Questions asked in NIACL AO Interview

Personality questions are asked first to assess confidence, clarity of thought, communication skills, attitude, and long-term suitability for an officer’s role.

• Tell me something about yourself.

• Why do you want to join the banking/insurance sector?

• Why do you want to join NIACL?

• What qualities should an Administrative Officer possess?

• Do you think you have those qualities?

• How can you prove yourself as a valuable asset to NIACL?

• Why should we select you over other candidates?

• How is your degree relevant to the banking or insurance industry?

• Tell us about your strengths and weaknesses.

• Questions related to your district or city.

• Are you comfortable with transfers anywhere in India?

• Questions related to your home state (economy, culture, famous places).

• Will you leave this job if you get a better opportunity in the future?

• Where do you see yourself five years from now?

Insurance & Financial Awareness Questions

• Who is the present Chairman and Managing Director of NIACL?

• What are the key insurance products offered by NIACL?

• Why is motor insurance a major segment for NIACL?

• How does NIACL support government and social security insurance schemes?

• What is underwriting in general insurance?

• Can you explain the concept of claims settlement?

• What is reinsurance, and why is it important?

• In which departments can an AO be posted?

• Why do you want to join NIACL as an Administrative Officer?

• How has NIACL performed in recent financial periods?

• What were NIACL’s recent gross written premium figures and market share?

• Does NIACL take reinsurance support?

• What are the major challenges faced by the general insurance sector today?

• What role does an Administrative Officer play in NIACL?

• In which departments can an AO be posted?

• What is the ownership pattern of NIACL?

• Which authority regulates NIACL’s operations?

• What kind of insurance company is NIACL?

• What is NIACL’s position in the Indian insurance market?

• Is NIACL operational outside India as well?

• What is New India Assurance Company Limited (NIACL)?

• When was NIACL set up, and who was its founder?

• Where is the headquarters of NIACL located?

• Which ministry does NIACL function under?

Current Affairs Questions for NIACL AO Interview 2026

Current affairs questions are asked to check whether the candidate is aware of recent national and international developments.

• Have there been any notable mergers or acquisitions in the banking or financial sector recently?

• Can you mention recent key appointments in banks, insurance companies, or regulatory authorities?

• What recent natural calamities have occurred, and how have they impacted the insurance industry?

• What important developments have taken place in the insurance sector in the last six months?

• Can you mention any recent government initiatives related to insurance or financial inclusion?

• What key changes or guidelines have been recently introduced by IRDAI?

• What new reforms have been implemented in the insurance industry lately?

• What are the major economic challenges currently faced by India?

• What recent Union Budget announcements impact the banking or insurance sector?

• Can you name any major global economic events that have influenced the Indian economy?

Check NIACL AO Interview Tips

Banking awareness questions are asked in the NIACL AO Interview

• What do you understand by Foreign Direct Investment (FDI)?

• Can you mention some recent international current affairs?

• With China progressing rapidly, how do you view India’s growth and challenges?

• Can you name the member countries of ASEAN?

• What is the Cheque Truncation System (CTS)?

• What is MICR, and where is it used?

• What is KYC, and why is it important?

• Which documents are required for KYC verification?

• What are the eligibility criteria for opening a minor’s bank account?

• In what ways do banks earn their income?

• What factors contribute to rising inflation in India?

• How does inflation differ from deflation?

• What basic understanding do you have about the stock market?

• What is FinTech and how is it changing banking services?

• What is meant by e-commerce?

• Do you think bank mergers are beneficial? Why or why not?

• What is an NPA, and how does it affect banks?

• Can you explain CRR, SLR, Repo Rate, Reverse Repo Rate, Bank Rate, and NPA?

• What is the key difference between CRR and SLR?

• How does the Repo Rate differ from the Reverse Repo Rate?

• Why does the RBI revise repo rates from time to time?

• What are Commercial Papers, and why are they issued?

• What types of bank accounts are available to customers?

• How is a Fixed Deposit different from a Recurring Deposit?

Check NIACL AO Interview Language

RBI-related questions are asked in the NIACL AO interview 2026

• How many regional offices does RBI have, and where are they located?

• What are the main functions of RBI?

• What instructions did RBI give banks regarding liquidity management?

• What happens when the RBI increases the repo rate?

• Which commission recommended the establishment of the RBI?

• Where was RBI’s central office originally located?

• When was the RBI headquarters shifted to Mumbai?

• Who was the first governor of the RBI?

• Who was the first Indian governor of the RBI?

• What happens when the RBI decreases the repo rate?

• What is Open Market Operations (OMO)?

• What is the time period of securities under OMO?

• What is the Minimum Reserve System (MRS)?

• When was the Reserve Bank of India established?

• Under which act was the RBI established?

• What was the initial status of RBI?

• When was the RBI nationalised?

• Which commission recommended the establishment of the RBI?

Claims & Settlement, Underwriting Questions asked in NIACL AO Interview 

• What is an insurance claim?

• What are the steps involved in claims settlement?

• What documents are required to process a claim?

• What is claim repudiation?

• What is partial loss and total loss?

• What is underwriting?

• Why is underwriting important in insurance?

• What factors are considered during underwriting?

• What is risk assessment?

• What is moral hazard?

• How would you handle a fraudulent claim?

• What is a third-party motor insurance claim?

• How do you deal with an angry customer during claim settlement?

• What is a surveyor’s role in claims?

• Why is timely claims settlement important for an insurer?

• What is adverse selection?

• Difference between standard and sub-standard risks?

• What happens if underwriting is poor?

• How does underwriting impact profitability?

• What underwriting risks exist in motor or health insurance?

Download NIACL AO Interview Questions PDF 

How is the NIACL AO Interview Conducted?

The NIACL AO interview is conducted in the offline mode. Candidates are asked questions related to their educational background, work experience, NIACL, and insurance concepts. The interview is scoring in nature, and the marks obtained are added to the Mains score for final selection.

Check NIACL AO Interview Dress Code

FAQs 

Q. What type of questions are asked in the NIACL AO interview?

Questions are asked from personal background, insurance knowledge, current affairs, and general awareness.

Q. Is insurance knowledge compulsory for the NIACL AO interview?

Yes, basic insurance concepts are essential to score well in the interview.

Q. Are technical questions asked at NIACL AO?

Yes, basic to moderate technical questions related to insurance and finance may be asked.

Q. Is the NIACL AO interview difficult?

The interview is moderate in difficulty if you are well-prepared.

Q. How to prepare for the NIACL AO interview?

Revise insurance basics, NIACL profile, current affairs, and practice mock interviews.