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OICL AO Prelims

Sample Papers

Previous Year Papers

Syllabus

EXAM SYLLABUS

The OICL AO Syllabus covers topics from both the Prelims and Mains stages. The Prelims exam includes English Language, Reasoning Ability, and Quantitative Aptitude, while the Mains exam further includes General Awareness, Computer Knowledge, and a Descriptive English section. For Hindi (Rajbhasha) Officers, the syllabus also comprises Hindi and English grammar, translation, and official language rules.

The syllabus for OICL AO pre is given below:

Name of Test	Topic	Weightage
Quantitative Aptitude	Simplification	10-15 Q
	Number Series	3-5 Q
	Average	1-3 Q
	Interest	1-3 Q
	Mensuration	1-3 Q
	Percentage	1-2 Q
	Ratio & Proportion	1-3 Q
	Linear & Quadratic equation	3-5 Q
	Profit & Loss	1-3 Q
	Time, Speed & Distance	1-4 Q
	Data Interpretation	5-10 Q (1-2 Sets)
	Time & Work	1-2 Q
	Permutation & Combination/ Probability	0-1 Q
	Mixture & Alligation	0-2 Q
	Number System	0-1 Q
Reasoning Ability	Arrangements & Patterns	5-8 Q
	Mathematically Inequalities	5 Q
	Coding-Decoding	3-5 Q
	Directions & Distances	1-3 Q
	Blood Relations	1-3 Q
	Order & Ranking	1-3 Q
	Circular Seating Arrangements	5 Q
	Linear Seating Arrangements	5 Q
	Syllogisms	0-5 Q
	Scheduling	0-5 Q
	Alphabetical Series	0-5 Q
English Language	Reading Comprehension	7-10 Q
	Cloze Test	4-5 Q

...

EXAM SYLLABUS

The syllabus for OICL AO pre is given below:

Name of Test	Topic	Weightage
Quantitative Aptitude	Simplification	10-15 Q
	Number Series	3-5 Q
	Average	1-3 Q
	Interest	1-3 Q
	Mensuration	1-3 Q
	Percentage	1-2 Q
	Ratio & Proportion	1-3 Q
	Linear & Quadratic equation	3-5 Q
	Profit & Loss	1-3 Q
	Time, Speed & Distance	1-4 Q
	Data Interpretation	5-10 Q (1-2 Sets)
	Time & Work	1-2 Q
	Permutation & Combination/ Probability	0-1 Q
	Mixture & Alligation	0-2 Q
	Number System	0-1 Q
Reasoning Ability	Arrangements & Patterns	5-8 Q
	Mathematically Inequalities	5 Q
	Coding-Decoding	3-5 Q
	Directions & Distances	1-3 Q
	Blood Relations	1-3 Q
	Order & Ranking	1-3 Q
	Circular Seating Arrangements	5 Q
	Linear Seating Arrangements	5 Q
	Syllogisms	0-5 Q
	Scheduling	0-5 Q
	Alphabetical Series	0-5 Q
English Language	Reading Comprehension	7-10 Q
	Cloze Test	4-5 Q
	Spotting Errors	5-7 Q
	Para jumbles/Sentence Rearrangement	5 Q
	Sentence Improvement	5 Q
	Fill in the blanks	5 Q
	Sentence Connectors	5 Q

QUANTITATIVE APTITUDE DETAILED SYLLABUS

The detailed syllabus for Numerical Ability section with Topic description, Topic Example and Difficulty level is given below:

Topic

Topic Description

Topic Example

Topic Difficulty Level

Simplification

Questions based on BODMAS Rule, Approximation, Decimals, Fractions, Surds & Indices, Percentages etc.

45×20 + 360/15 = X × 3

10+2 Level

Number Series

Complete the Series, Find the Missing Term, Find the Wrong Term etc

8 4 6 15 52.5 ?

10+2 Level

Average

Questions based on Average Weight/Height/Age/Marks, Average Money Expenditure, Average Temperature, etc.

The average age of a group of 20 persons is 18.25 years. Some new persons with an average age of 16 years join the group, now the average age of the group becomes 17 years. Find the number of persons who join the group.

10+2 Level

Interest

Calculating Simple & Compound Interest on a given amount for a specific time at given rate

A sum of money becomes 9 times in 20 years. Find the 10 times of rate of interest.

10+2 Level

Mensuration

Finding area, volume, perimeter surface area etc

The area of a square is 1444 square metres. The breadth of a rectangle is 1/4th the side of the square and the length of the rectangle is thrice the breadth. What is the difference between the area of the square and the area of the rectangle?

10+2 Level

Percentage

Calculating percentage and performing operation based on it

Rahul spends 50% of his monthly income on household items, 20% of his monthly income on buying clothes, 5% of his monthly income on medicines and the remaining amount of Rs. 11250 he saves. What is Rahul's monthly income ?

10+2 Level

Ratio & Proportion

Questions related to finding ratio or proportion among the numbers.

Ratio of earnings of A and B is 8 : 9 respectively. If the earnings of A increased by 50% and the earnings of B decrease by 25%, the new ratio of their earnings becomes 16:9 respectively. What are ‘A’ earnings ?

10+2 Level

Linear & Quadratic equation

Questions based on finding the values of the unknown variable in a given equation

I. x² + 9x + 18 = 0
II. y² – 13y + 40 = 0

10+2 Level

Profit & Loss

Calculating Profit or Loss by selling or purchasing articles at a given amount

Vandana sells an article for Rs 3,240 and earns a profit of 20%. What is the cost price of the article ?

10+2 Level

Time, Speed & Distance

Calculation of time, speed or distance covered by a moving object

A and B start at the same time with speeds of 40 km/hr and 50 km/hr respectively. If in covering the journey A takes 15 minutes longer than B, What is the total distance of the journey?

10+2 Level

Data Interpretation

Line Graphs, Bar Graphs, Pie Charts, Tables, Miscellaneous Infographics, Missing Data Type Caselets.

The table given below shows the percentage of appeared and qualified candidates in a competitive examination from different institutes.

Institutes	Appeared Candidates = 24000	Qualified Candidates = 4000
Institutes	Percentage of appeared candidates	Percentage of qualified candidates
A	25%	18%
B	10%	12%
C	15%	18%
D	12%	16%
E	18%	20%
F	20%	16%

10+2 Level

Time & Work

Questions related to work done by persons and time taken by them.

4 boys and 3 women can do a piece of work in 6 days while 2 boys and 4 women can do the same piece of work in 9 days. How much time will be taken by 7 boys and 9 women to do the same piece of work?

10+2 Level

Permutation & Combination/ Probability

Finding the chances of occurrence or non-occurrence of a certain event.

How many 3 - letter words with or without meaning, can be formed out of the letters of the word, 'LOGARITHMS', if repetition of letters is not allowed?

10+2 Level

Mixture & Alligation

Questions based on mixing up of two or more materials in a specific proportion

The ratio of milk to water in three containers of equal capacity is 3 : 2, 7 : 3 and 11 : 4 respectively. The three containers are mixed together. What is the ratio of milk to water after mixing?

10+2 Level

Number System

Questions based on Divisibility & Remainder, Multiples & Factors, Integers, LCM & HCF.

Find the remainder when 82¹⁵⁷ is divided by 9.

10+2 Level

REASONING ABILITY DETAILED SYLLABUS

The detailed syllabus for Reasoning Ability section with Topic description, Topic Example and Difficulty level is given below:

Topic	Topic Description	Topic Example	Topic Difficulty Level
Arrangements & Patterns	Questions based on arrangement of Alphabets and numbers	How many meaningful English words can be formed with the letters A, D, E and R using all the letters, and each letter only once in each word?	Easy & Less time-consuming,
Mathematically Inequalities	When a group of elements are given with a certain coded relationship denoted by <, >, = etc, such type of questions fall under the category of reasoning Inequality.	Statements: P < Q > W = K; K < X; X = P > L; N < L Conclusions: I. Q = P II. Q > P	Easy & Less time-consuming,
Coding-Decoding	Identifying the pattern used for coding of a given data set and using the same for performing specific operation.	In a code language, “revenue exceeds expectation” is coded as “7EC 7E 11T” “money and instruments” is coded as “5NC 3N 11U” “other transaction ahead” is coded as “5H 11AG 5E” Find the code for “Assured value”?	Easy & Little Time Consuming,
Directions & Distances	Questions are based on Direction sense	Abhay travelled 9 km Northwards, turned left and travelled 5 km, then turned left again and travelled 9 km. How far is Abhay from the starting point?	Easy & Less time-consuming,
Blood Relations	Questions based on Blood Relations and Family tree	In a family of some persons Bhanu says that Reshma is the daughter of my sister Banti, who is the only daughter of Tamanna. Rahul is the child of Tamanna and Farhan, who is the grandmother of Harish. Krishna is the mother of Mohan, who is the only sister of Harish. Rahul is unmarried.	Easy & Less time-consuming,
Order & Ranking	Questions based on the finding the correct order as per given information	Harsha is standing in a queue, tenth from behind. There are 40 students in the queue including Harsha. What is Harsha’s position from the front?	Easy & Less time-consuming,
Circular Seating Arrangements	Questions based on find the correct order of people sitting in a circular arrangement	Eight people O, H, U, V, I, D, B and G are sitting around a circular table facing the centre. O is sitting second to the left of U and third to right of H. D and I are immediate neighbors of each other and one of them is an immediate neighbor of O. V is sitting second to the right of B. G is sitting second to the left of D.	Complex & Time Consuming
Linear Seating Arrangements	Questions based on find the correct order of people sitting in a row	P, Q, R, S, T, V, W and Z are sitting around a circle facing the centre. T is 2nd to the right of R who is 3rd to the right of P. S is 2nd to the left of P and 4th to the right of Q. Z is 3rd to the right of V who is not an immediate neighbour of P.	Complex & Time Consuming
Syllogisms	Questions require thinking for arriving at a specific conclusion by examining other premises or ideas	Statements: All birds are horses. All horses are tigers. Some tigers are lions. Some lions are monkeys. Conclusions: I. Some tigers are horses. II. Some monkeys are birds. III. Some tigers are birds. IV. Some monkeys are horses.	Easy & Less time-consuming,
Puzzles	Questions require to analyze the given piece of information, pick the information that is important and leave out the information that is not required in solving the given set of questions	Eight candidates from A to G appeared for an exam on 5th and 12th of different months viz. April, May, June and July such that on one day only one candidate appeared for exam. D had appeared before two candidates but not before B and E. Only C had appeared between A and B, who had his exam on 5th of an even numbered month. F and B appeared in consecutive months but not on consecutive turns. G was among the last two candidates that appeared for exam. F has his exam before G. Only one candidate appeared between H and E.	Little Complex & Time Consuming
Alphanumeric Series	Combination of numbers, alphabets and symbol-based series which candidates need	Study the following information carefully and answer the questions given beside: 1 W E 3 $ R T % M 9 4 L S C 8 & F J 2 @ U P 7 D 5 * 6 Z C ? A If all the elements which are on the prime position in the above sequence are to be dropped then which of the following element will be 13th from the left end?	Easy & Less time-consuming,

NOTE: The above mentioned examples are for Illustrative purpose only.

ENGLISH LANGUAGE DETAILED SYLLABUS

The detailed syllabus for English Language section with Topic description, Topic Example and Difficulty level is given below:

Topic	Topic Description	Topic Example	Topic Difficulty Level
Reading Comprehension	Analysing the passage and answering Questions based on it	Theme of the Passage "Based on Noise Pollution related to Wildlife Oriented" Theme of the Passage "Based on Arctic Sea Polythene Accession" (Asked in OICL AO 2017)	10+2 Level
Cloze Test	Filling Appropriate word in each of the blank in the given paragraph	Earth, our home, is the third planet from the sun. It’s the only _________ (a) known to have an atmosphere containing free oxygen, oceans of water on its surface and, of course, life. The fifth-largest planet of the Solar system is the Earth. It is smaller ________ (b) the four gas giants — Jupiter, Saturn, Uranus and Neptune — but larger than the three other rocky planets, Mercury, Mars and Venus. Earth has a diameter of roughly 8,000 miles and is ________ (c) because gravity pulls matter into a ball. But, it is not perfectly round. Earth is really an “oblate spheroid,” because its spin causes it to be squashed at its poles and swollen at the equator. 71 per cent of the Earth’s surface is covered with water, and most of that is in the oceans. About a fifth of Earth’s atmosphere consists of oxygen, produced by ________ (d). While scientists have been studying our planet for centuries, a lot has been learned in the past few decades by studying pictures of Earth from space.	10+2 Level
Spotting Errors	Correcting spelling Errors in a given sentence	Select the option which contains the part/parts of the sentence which has/have an error All the members of parliament (A.)/ gave their consent to (B.)/ the act, few opponents only (C.)/ reprimanded it. (D.)/ No error (E.)	10+2 Level
Para jumbles/ Sentence Rearrangement	Rearranging the sentences in a logical order such that they make sense.	You are required to find the correct order 2016, but little money has come in as retailers want (A) / like soaps and shampoos for customers (B) / permission to stock a few non-food items (C) / 100% FDI was allowed in the food retail business in (D)	10+2 Level
Sentence Improvement	Improving the sentence by correcting the mistake	I rang the Colonel and asked him to put my name forward for the vacancy in Zurich. A) put my name up B) put my name around C) put out my name D) put my name through E) No correction required	10+2 Level
Fill in the blanks	Filling the blanks with the necessary word according to the sentence	The upcoming housing units in Maharashtra will increase residential building sector floor space by approximately 100 million square metre and will generate higher carbon footprint, posing _____________ environmental impacts if not constructed _____________ and factoring occupants comfort.	10+2 Level
Sentence Connectors	Connecting the given sentences using appropriate word	You have to select that option which could connect both the sentences and make them grammatically and contextually correct. I. The current changes in the tax rate would raise significant revenue. II. Analysts believe the new tax rate would be very progressive. A) Finally, such as B) Also, instead C) Subsequently, clearly D) Opposite to, then E) Furthermore, in addition	10+2 Level

NOTE: The above mentioned examples are for Illustrative purpose only.

Format

EXAM PATTERN

The exam pattern for the Oriental Insurance AO exam is outlined below. Candidates must qualify in all three stages- Prelims, Mains, and the Interview- to be considered for the post. The complete and detailed exam pattern will be provided in the official notification.

Phase-I: Preliminary Examination (Tier-I)

Common for both Generalist & Hindi Officers

Mode: Online (Objective)

Duration: 1 hour (60 minutes) – separately timed sections

Total Marks: 100

S. No.	Section	Type	Marks	Duration	Medium
1	English Language	Objective	30	20 minutes	English
2	Reasoning Ability	Objective	35	20 minutes	Eng/Hindi
3	Quantitative Aptitude	Objective	35	20 minutes	Eng/Hindi
	Total		100	60 minutes

Qualifying Nature: You must clear sectional cut-offs (decided by OICL).

Approx. 20 times the number of vacancies are shortlisted for Mains.

Negative Marking (Applicable to ALL Objective Tests)

1/4th marks deducted for every wrong answer.

No penalty for unattempted questions.

Final Selection Weightage

Main Exam (Objective): 80%

Interview: 20%

Descriptive Test - Qualifying only

Eligibility

ELIGIBILITY CRITERIA

The Oriental Insurance Company Limited has clearly defined the eligibility criteria for candidates applying for Administrative Officer posts. These criteria primarily include the prescribed age limit and educational qualifications, both of which must be fulfilled. Applicants are advised to carefully check the detailed OICL AO eligibility requirements before submitting their online application to ensure their candidature is considered valid.

Nationality

A candidate applying for recruitment in the Company must be either:

A citizen of India, or

A subject of Nepal, or

A subject of Bhutan, or

A Tibetan refugee who came over to India before 1st January 1962 with the intention of permanently settling in India, or

A person of Indian origin who has migrated from Pakistan, Burma, Sri Lanka, East African countries of Kenya, Uganda, the United Republic of Tanzania, Zambia, Malawi, Zaire, Ethiopia, and Vietnam with the intention of permanently settling in India.

Provided that a candidate belonging to categories (2), (3), (4) and (5) shall be a person in whose favour a certificate of eligibility has been issued by the Government of India.

Age Limit & Relaxations

Minimum Age: 21 years

Maximum Age: 30 years

(i.e., a candidate must have been born not earlier than 01.12.1995 and not later than 30.11.2004 – both dates inclusive)

Categories	Age Relaxation
Scheduled Caste/Scheduled Tribe	5 Years
Other Backward Classes (Non-creamy layer)	3 Years
Persons With Disability	10 Years
Ex-Servicemen, Commissioned Officers including Emergency Commissioned Officers (ECOs)/ Short Service Commissioned Officers (SSCO s) who have rendered at least 5 years military service	5 Years
Defence service personnel disabled in operation during the hostilities with any foreign country or in a disturbed area and released as consequence thereof	3 Years
Persons ordinarily domiciled in the State of Jammu & Kashmir during the period 1-1-80 to 31.12.1989	Gen: 5 year OBC: 8 years SC/ST:10 years
Existing Confirmed Employees of Public Sector General Insurance Companies (including GIC & Agriculture Insurance Company of India Ltd.)	8 Years

Important Notes on Relaxation:

Cumulative relaxation allowed (maximum age not to exceed 45 years).

OBC candidates in “Creamy Layer” are not eligible for relaxation/reservation.

PwBD + Employee category: Take the more beneficial relaxation.

Educational Qualifications

Generalist Officers

Graduate / Post Graduate in any stream from a recognized University with at least 60% marks (55% for SC/ST) in either degree.

Hindi (Rajbhasha) Officers

Master’s Degree in Hindi with English as compulsory/elective OR Master’s in English with Hindi OR Master’s in any subject with Hindi/English as medium + compulsory subject – 60% marks (55% for SC/ST). Detailed combinations given in advertisement.

Key Conditions

Result must have been declared on or before 30.11.2025.

Percentage calculated on aggregate marks (not honours only).

CGPA/OGPA must be converted with certificate from University.

Candidates must possess valid Mark-sheet/Degree Certificate as on 30.11.2025.

Important Points

Candidate must apply for only ONE discipline (Generalist or Hindi Officer).

Multiple applications ? only the latest valid one retained; other fees forfeited.

All candidates must fulfil the basic eligibility at the time of application and produce original documents at Interview.

Final selection is subject to medical fitness, document verification, and execution of Guarantee Bond.

ELIGIBILITY CRITERIA

Nationality

A candidate applying for recruitment in the Company must be either:

A citizen of India, or

A subject of Nepal, or

A subject of Bhutan, or

A Tibetan refugee who came over to India before 1st January 1962 with the intention of permanently settling in India, or

Provided that a candidate belonging to categories (2), (3), (4) and (5) shall be a person in whose favour a certificate of eligibility has been issued by the Government of India.

Age Limit & Relaxations

Minimum Age: 21 years

Maximum Age: 30 years

(i.e., a candidate must have been born not earlier than 01.12.1995 and not later than 30.11.2004 – both dates inclusive)

Categories	Age Relaxation
Scheduled Caste/Scheduled Tribe	5 Years
Other Backward Classes (Non-creamy layer)	3 Years
Persons With Disability	10 Years
Ex-Servicemen, Commissioned Officers including Emergency Commissioned Officers (ECOs)/ Short Service Commissioned Officers (SSCO s) who have rendered at least 5 years military service	5 Years
Defence service personnel disabled in operation during the hostilities with any foreign country or in a disturbed area and released as consequence thereof	3 Years
Persons ordinarily domiciled in the State of Jammu & Kashmir during the period 1-1-80 to 31.12.1989	Gen: 5 year OBC: 8 years SC/ST:10 years
Existing Confirmed Employees of Public Sector General Insurance Companies (including GIC & Agriculture Insurance Company of India Ltd.)	8 Years

Important Notes on Relaxation:

Cumulative relaxation allowed (maximum age not to exceed 45 years).

OBC candidates in “Creamy Layer” are not eligible for relaxation/reservation.

PwBD + Employee category: Take the more beneficial relaxation.

Educational Qualifications

Generalist Officers

Graduate / Post Graduate in any stream from a recognized University with at least 60% marks (55% for SC/ST) in either degree.

Hindi (Rajbhasha) Officers

Key Conditions

Result must have been declared on or before 30.11.2025.

Percentage calculated on aggregate marks (not honours only).

CGPA/OGPA must be converted with certificate from University.

Candidates must possess valid Mark-sheet/Degree Certificate as on 30.11.2025.

Important Points

Candidate must apply for only ONE discipline (Generalist or Hindi Officer).

Multiple applications ? only the latest valid one retained; other fees forfeited.

All candidates must fulfil the basic eligibility at the time of application and produce original documents at Interview.

Final selection is subject to medical fitness, document verification, and execution of Guarantee Bond.

Schedule

IMPORTANT DATES

The OICL AO Exam Date 2026 has been officially confirmed in the detailed recruitment notification. As per the schedule, the Tier-I Preliminary Examination will be held on January 10, 2026, followed by the Tier-II Main Examination on February 28, 2026. Candidates are advised to note these important dates and plan their preparation accordingly to stay ahead in the OICL AO Recruitment 2026 process.

Online Registration commences from: 1st December 2025

Last Date for Online Registration: 15th December 2025

Payment of Application Fees: From 1st December 2025 (6:30 PM) to midnight of 15th December 2025 (both days inclusive)

Tentative Date of Online Preliminary Examination (Tier-I) (for both Generalist & Hindi Officers): 10th January 2026

Downloading of Call Letters for Examination commences from: To be notified later

Tentative Date of Online Main Examination (Tier-II) (for both Generalist & Hindi Officers): 28th February 2026

Analysis

EXAM ANALYSIS

Here is a complete, exam-oriented analysis of OICL AO Prelims 2026 (based on the latest exam cycle) so you can predict pattern, difficulty, and expected cutoffs for the upcoming 2026/next cycle.

Last Conducted Exam (Latest Reference)

The most recent OICL AO Prelims exam was conducted on 10 January 2026.

It was held in multiple shifts (generally 2–3 shifts) across the day in online mode, which is standard for insurance exams.

Typical timing pattern (based on admit cards and past cycles):

Morning shift: around 9 AM to 10 AM

Afternoon shift: around 1 PM to 2 PM

Evening shift: around 4:30 PM to 5:30 PM

Each candidate gets a separate reporting time, usually 60–90 minutes before the exam.

Important: Difficulty varies slightly across shifts, so normalization is applied.

Exam Pattern (Confirmed Structure)

The exam follows a fixed structure with sectional timing:

Total duration: 60 minutes

Three sections: Reasoning, Quantitative Aptitude, English

Each section has 20 minutes fixed time

Total questions: 100

Total marks: 100

Negative marking: 0.25 marks per wrong answer

Overall Difficulty Level (2026 Exam)

The overall paper was easy to moderate.

Easier than SBI PO Prelims

Slightly comparable to IBPS PO (but a bit more scoring)

The real challenge was time pressure, not conceptual difficulty

Section-wise Analysis

Reasoning Ability

This section was moderate in difficulty, mainly due to puzzles.

Most questions came from:

Seating arrangement and puzzles (dominant portion)

Syllogism (new pattern)

Inequality

Coding-decoding

Blood relation

The puzzles were time-consuming rather than difficult, meaning students struggled with speed.

Safe attempt range: about mid-20s

Key challenge: time management

Quantitative Aptitude

This was the toughest section of the paper.

Questions were focused on:

Data Interpretation (major share, often calculative)

Arithmetic (profit & loss, time & work, ratio, SI/CI)

Simplification/approximation

The DI sets required calculation speed and accuracy, which slowed down attempts.

Safe attempt range: low-to-mid 20s

Key challenge: calculation + time pressure

English Language

This was the most scoring section.

Topics included:

Reading comprehension

Cloze test

Error detection

Sentence rearrangement / fillers

The level was straightforward, and students who managed time well could score high here.

Safe attempt range: mid-20s

Key advantage: high accuracy possible

Good Attempts & Score Insight (Without Table)

If you attempted around 65 to 75 questions with good accuracy, you were in a strong position.

A score in the range of 55 to 65 marks was considered a safe zone depending on accuracy and normalization.Expected Cut-Off (2026 Trend-Based)

For the General category, the expected cutoff falls roughly in the range of 60 to 68 marks.

OBC candidates slightly lower (mid to high 50s)

SC/ST candidates typically in the low-to-mid 50s

Final cutoff depends heavily on:

Number of vacancies

Difficulty variation across shifts

Overall competition level

Key Observations from 2026 Exam

Quantitative Aptitude was the deciding factor

Reasoning puzzles consumed a lot of time

English was the score booster

Accuracy mattered more than attempts in Quant

Candidates who balanced all three sections performed best

What to Expect in Upcoming OICL AO Prelims

Based on trends, the next exam will most likely:

Follow the same pattern (100 questions, 60 minutes)

Maintain sectional timing

Stay in the easy to moderate range overall

Continue emphasizing:

Puzzles in reasoning

DI in quant

RC + grammar in English

Study Tips

STUDY TIPS

To prepare effectively for the OICL AO exam, start by thoroughly understanding the syllabus and exam pattern. Focus on developing strong fundamentals in Quantitative Aptitude, Reasoning, and English, along with consistent daily practice of puzzles and Data Interpretation (DI). Give special attention to Insurance and General Awareness, practice previous years’ question papers, and regularly attempt mock tests.

1. Understand Exam Pattern & Syllabus

Go through the complete syllabus for Prelims and Mains

Identify important topics and weightage

Plan your preparation accordingly

2. Build Strong Basics

Focus on Quantitative Aptitude, Reasoning, and English

Clear fundamental concepts first

Avoid jumping directly to high-level questions

3. Practice Daily

Solve 30–50 questions per subject daily

Practice puzzles and Data Interpretation (DI) regularly

Improve both speed and accuracy

4. Focus on General Awareness

Prepare Insurance & Banking Awareness

Cover last 4–6 months current affairs

Revise GA regularly using short notes

5. Attempt Mock Tests

Take sectional tests and full-length mocks

Start with 1–2 mocks/week ? increase to 3–4 mocks/week

Analyze mistakes carefully

6. Solve Previous Year Papers

Understand question trends

Identify important topics

Improve confidence

7. Time Management

Learn to attempt easy questions first

Avoid spending too much time on one question

Maintain proper exam strategy

8. Revision Strategy

Revise formulas, vocabulary, and GA notes regularly

Make short notes for quick revision

Weekly revision is a must

STUDY PLAN

6 Month Study Plan (Prelims + Mains)

Month 1–2: Foundation Stage

Quant: Simplification, Number Series, Arithmetic basics

Reasoning: Coding-Decoding, Inequality, Syllogism

English: Grammar, Vocabulary, Basic Reading Comprehension

GA: Start current affairs + insurance awareness

Practice 25–30 questions per subject daily

Month 3–4: Strengthening Stage

Quant: Time & Work, Time-Speed-Distance, DI basics

Reasoning: Puzzles & Seating Arrangement

English: Cloze Test, Error Detection, RC

GA: Monthly current affairs revision

Start sectional tests (3–4 per week)

Month 5–6: Advanced + Mock Phase

Quant: High-level Data Interpretation

Reasoning: High-level puzzles, Input-Output

English: RC, Para Jumbles

GA: Revise last 4–6 months current affairs

Attempt 2–3 full mocks per week

Practice descriptive writing (Essay & Letter)

3 Month Study Plan

Month 1: Syllabus Completion

Cover all major topics (Quant, Reasoning, English, GA)

Start daily current affairs

Practice topic-wise questions

Month 2: Practice + Testing

Attempt sectional tests (4–5 per week)

Start 1–2 full mocks per week

Focus on weak areas

Revise GA regularly

Month 3: Final Preparation

Attempt 3–5 full mocks per week

Revise formulas, vocabulary, and GA

Practice descriptive writing

Improve speed and accuracy

1 Month Study Plan

Week 1: Key Topics

Quant: Simplification, Arithmetic, DI basics

Reasoning: Puzzles, Inequality, Syllogism

English: Grammar + Reading Comprehension

GA: Last 3–4 months current affairs

Week 2: Practice Phase

Daily sectional tests

Attempt 2–3 full mocks

Focus on accuracy

Week 3: Mock Intensive

Attempt 4–5 full mocks

Analyze performance

Work on weak areas

Week 4: Final Revision

Daily mock test + analysis

Revise formulas, vocabulary, GA notes

Practice essay & letter writing

Avoid starting new topics

Daily Study Routine (Suggested)

Quantitative Aptitude: 2 hours

Reasoning Ability: 2 hours

English Language: 1–1.5 hours

General Awareness: 1 hour<

...

General info

OVERVIEW

The Oriental Insurance Company Ltd was incorporated at Bombay on 12th September 1947. The Company was a wholly owned subsidiary of the Oriental Government Security Life Assurance Company Ltd and was formed to carry out General Insurance business. OICL provides opportunities to individuals by announcing vacancies for Administrative Officers only.

Particularts	Details
Exam Full Name	Administrative Officier Scale 1 (Generalist & Hindi Office)
Conducting Authority	Administrative Officier Scale 1 Oriental Insurance Company Limited (OICL)
Admission Purpose	To Select Generalist & Hindi Officer in OICL
Application Mode	Online
Exam Level	National
Exam Date	Tier I- 10/01/2026 Tier II - 28/02/2026
Official Website	www.orientalinsurance.org.in

SELECTION PROCESS

Candidates must undergo a rigorous selection procedure to be appointed as Administrative Officers. They are required to clear a three-stage selection process for the Oriental Insurance AO Recruitment.

Phase-I: Preliminary Examination (Tier-I)

Online Objective Test – 100 marks, 1 hour (separately timed)

English Language: 30 marks

Reasoning Ability: 35 marks

Quantitative Aptitude: 35 marks

Qualifying only (minimum passing marks decided by OICL). Adequate number of candidates (approx. 20 times the vacancies) are shortlisted category-wise for the Main Exam.

Phase-II: Main Examination (Tier-II)

Online (Objective + Descriptive). Immediately after Objective, Descriptive starts.

A. For Generalist Officers Objective Test (200 marks, 150 minutes, separately timed):

Test of Reasoning: 45 marks

Test of English Language: 40 marks

Test of General Awareness: 40 marks

Test of Quantitative Aptitude: 40 marks

Test of Computer Knowledge: 35 marks

Descriptive Test (30 marks, 30 minutes) – English Language only (Essay – 20 marks + Précis – 10 marks) ? Qualifying in nature (marks not added in final merit).

B. For Hindi (Rajbhasha) Officers Objective Test (200 marks, 120 minutes):

Reasoning: 25 marks

English Language: 25 marks

Professional Knowledge (Hindi/English grammar, Official Language Rules, Translation): 100 marks

General Awareness: 25 marks

Computer Knowledge: 25 marks

Descriptive Test (50 marks, 60 minutes) – English & Hindi (English Essay 10 + Hindi Essay 10 + Hindi Letter 10 + Eng-to-Hindi Translation 10 + Hindi-to-Eng Translation 10)

Penalty for Wrong Answers (both Prelims & Mains Objective): 1/4th of the marks assigned to that question is deducted. No penalty for unattempted questions.

Phase-III: Interview

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OVERVIEW

Particularts	Details
Exam Full Name	Administrative Officier Scale 1 (Generalist & Hindi Office)
Conducting Authority	Administrative Officier Scale 1 Oriental Insurance Company Limited (OICL)
Admission Purpose	To Select Generalist & Hindi Officer in OICL
Application Mode	Online
Exam Level	National
Exam Date	Tier I- 10/01/2026 Tier II - 28/02/2026
Official Website	www.orientalinsurance.org.in

SELECTION PROCESS

Phase-I: Preliminary Examination (Tier-I)

Online Objective Test – 100 marks, 1 hour (separately timed)

English Language: 30 marks

Reasoning Ability: 35 marks

Quantitative Aptitude: 35 marks

Qualifying only (minimum passing marks decided by OICL). Adequate number of candidates (approx. 20 times the vacancies) are shortlisted category-wise for the Main Exam.

Phase-II: Main Examination (Tier-II)

Online (Objective + Descriptive). Immediately after Objective, Descriptive starts.

A. For Generalist Officers Objective Test (200 marks, 150 minutes, separately timed):

Test of Reasoning: 45 marks

Test of English Language: 40 marks

Test of General Awareness: 40 marks

Test of Quantitative Aptitude: 40 marks

Test of Computer Knowledge: 35 marks

Descriptive Test (30 marks, 30 minutes) – English Language only (Essay – 20 marks + Précis – 10 marks) ? Qualifying in nature (marks not added in final merit).

B. For Hindi (Rajbhasha) Officers Objective Test (200 marks, 120 minutes):

Reasoning: 25 marks

English Language: 25 marks

Professional Knowledge (Hindi/English grammar, Official Language Rules, Translation): 100 marks

General Awareness: 25 marks

Computer Knowledge: 25 marks

Descriptive Test (50 marks, 60 minutes) – English & Hindi (English Essay 10 + Hindi Essay 10 + Hindi Letter 10 + Eng-to-Hindi Translation 10 + Hindi-to-Eng Translation 10)

Penalty for Wrong Answers (both Prelims & Mains Objective): 1/4th of the marks assigned to that question is deducted. No penalty for unattempted questions.

Phase-III: Interview

Candidates shortlisted from Main Exam (up to 3 times the number of vacancies per category/stream).

Conducted at selected centres (date/venue mentioned in Interview Call Letter).

No change in date/centre allowed.

Final Selection & Merit List

Weightage: – 80% ? Marks obtained in Main Examination (Objective Test only) – 20% ? Interview marks

Descriptive Test is qualifying only (not counted).

Final merit list prepared in descending order of consolidated score.

Tie-breaker: Higher marks in Interview ? Senior in age (Date of Birth).

Waiting list (up to 50% of vacancies) may be kept.

Appointment is subject to: – Medical fitness – Document verification – Execution of Guarantee Bond – Verification of character & antecedents

2025 exam

LATEST UPDATE

According to the last official notice, applications for the 300 Administrative Officer posts were open from December 1, 2025 (6:30 p.m.) to December 15, 2025. With the release of the detailed notification on December 1, 2025, the 2025 recruitment cycle officially began and is currently in progress. As per the schedule, Tier I of the exam was conducted on January 10, 2026, and Tier II is scheduled for February 28, 2026. At present, the recruitment process is at its mid-stage, with the remaining phases focused on candidates who have qualified for the Mains.

IMPORTANT DATES

Online Registration commences from: 1st December 2025

Last Date for Online Registration: 15th December 2025

Payment of Application Fees: From 1st December 2025 (6:30 PM) to midnight of 15th December 2025 (both days inclusive)

Tentative Date of Online Preliminary Examination (Tier-I) (for both Generalist & Hindi Officers): 10th January 2026

Downloading of Call Letters for Examination commences from: To be notified later

Tentative Date of Online Main Examination (Tier-II) (for both Generalist & Hindi Officers): 28th February 2026

VACANCY DETAILS

The Oriental Insurance Company Limited has announced a total of 300 vacancies for the OICL AO 2026 recruitment. Among these, 285 positions are for Generalist Officers and 15 are for Hindi (Rajbhasha) Officers, as detailed in the official notification. Candidates are advised to check the complete category-wise vacancy distribution before applying.

Post	Total Vacancies	UR	OBC	SC	ST	EWS	PwBD*
Administrative Officer (Generalist)	285	123	68	42	24	28	14
Administrative Officer (Hindi/Rajbhasha)	15	7	4	2	1	1	1
Total	300	—	—	—

...

LATEST UPDATE

IMPORTANT DATES

Online Registration commences from: 1st December 2025

Last Date for Online Registration: 15th December 2025

Payment of Application Fees: From 1st December 2025 (6:30 PM) to midnight of 15th December 2025 (both days inclusive)

Tentative Date of Online Preliminary Examination (Tier-I) (for both Generalist & Hindi Officers): 10th January 2026

Downloading of Call Letters for Examination commences from: To be notified later

Tentative Date of Online Main Examination (Tier-II) (for both Generalist & Hindi Officers): 28th February 2026

VACANCY DETAILS

Post	Total Vacancies	UR	OBC	SC	ST	EWS	PwBD*
Administrative Officer (Generalist)	285	123	68	42	24	28	14
Administrative Officer (Hindi/Rajbhasha)	15	7	4	2	1	1	1
Total	300	—	—	—	—	—	—

SALARY STRUCTURE

After selection, candidates appointed as OICL AO will undergo a one-year probation period. During this period, they are required to clear the mandatory Non-Life Licentiate Examination conducted by the Insurance Institute of India. Their appointment will be confirmed only after passing this exam; otherwise, their services may be terminated. The details of the OICL AO salary are given below.

Emoluments & Benefits (as per the official OICL AO Recruitment 2025 advertisement – Section 4, Page 3):

1. Basic Pay

Rs. 50,925/- in the pay scale of Rs. 50,925 – 2,500 (14) – 85,925 – 2,710 (4) – 96,765

2. Total Emoluments (Approximate)

Approx. Rs. 85,000/- per month in Metropolitan Centers (Basic Pay + other admissible allowances as applicable at present)

3. Other Benefits (as per Company rules)

Pension under New Pension System (governed by PFRDA)

Gratuity

Leave Travel Subsidy (LTS)

Medical Benefits

Group Personal Accident Insurance

Company’s / leased accommodation as per norms

Note: All benefits and allowances are governed by the prevalent rules of The Oriental Insurance Company Limited and are subject to change from time to time.

HOW TO APPLY

The online application link for OICL AO Recruitment has been activated on the official website, www.orientalinsurance.org.in. Candidates who wish to apply for the AO (Scale-I) posts must submit their applications through the official website before 18th December 2025.

Applications were accepted online only. No other mode (offline, post, email) was allowed.

Before Starting – Prepare These Scans (mandatory)

Photograph (recent passport-style colour, 4.5 cm × 3.5 cm)

Size: 20 KB – 50 KB

Dimensions: 200 × 230 pixels (preferred)

Signature (on white paper with black ink)

Size: 20 KB – 50 KB

Left Thumb Impression (on white paper with black/blue ink)

Size: 20 KB – 50 KB

Dimensions: 240 × 240 pixels (200 DPI)

Hand-written Declaration (on white paper with black ink – English only) Exact text: “I, (Name of the candidate), hereby declare that all the information submitted by me in the application form is correct, true and valid. I will present the supporting documents as and when required.”

Size: 50 KB – 100 KB

Dimensions: 800 × 400 pixels (200 DPI)

Note: Signature & declaration must NOT be in CAPITAL LETTERS. All scans must be clear; blurry uploads lead to rejection.

Step-by-Step Application Procedure (as per advertisement)

1. Go to https://orientalinsurance.org.in and click “APPLY ONLINE”.

2. Click “Click here for New Registration”. Enter Name, Contact details & Email ID.

3. A Provisional Registration Number and Password will be generated and sent via Email/SMS. Note them down.

4. Fill the form in parts using “SAVE AND NEXT”.

5. Carefully fill all details (Name, Father’s name, DOB, Category, etc. – must match certificates exactly).

6. Validate details and click “Save & Next”.

7. Upload Photo, Signature, Left Thumb Impression & Hand-written Declaration (as per specifications above).

8. Fill remaining details (educational qualification, experience, etc.).

9. Click “Preview” to check everything.

10. Make corrections if needed, then click “COMPLETE REGISTRATION” (no changes allowed after this).

11. Click “Payment” tab and pay the fee.

12. Click “Submit”.

Payment of Fees (Online only – Non-refundable)

SC/ST/PwBD: ?250 (Intimation charges only)

All others: ?1,000 (Application fee + Intimation charges)

Payment modes: Debit/Credit Card, Internet Banking, IMPS, Mobile Wallets. After successful payment, an e-receipt will be generated. Take a printout of the application form + e-receipt.

After Submission

No changes in any details (including category, discipline, photo/signature) will be allowed.

Candidates must apply for only ONE discipline (Generalist or Hindi Officer). Multiple applications = only the latest one kept; fee for others forfeited.

Keep your registered Email ID and Mobile number active throughout the process.

Important Warnings from the Advertisement:

Incomplete applications (missing photo/signature/declaration/fee) will be rejected.

Any false information or tampering will lead to disqualification and possible legal action.

Candidates are advised to apply well before the last date to avoid technical issues.

EXAM CENTERS

Below, we have provided the list of exam centers where the OICL AO Prelims Exam and OICL AO Mains Exam will be held.

OICL AO Prelims Exam Center

State	Centers
Andhra Pradesh	Vijaywada/Guntur
	Visakapatnam, Tirupathi
	Ongole
Assam	Guwahati
	Dibrugarh
	Silchar
	Jorhat
Arunachal Pradesh	Naharlagun
Bihar	Patna
	Gaya
	Bhagalpur
Chandigarh	Mohali
Chhattisgarh	Raipur, Durg
Delhi-NCR	Delhi-NCR
Goa	Panaji/Mapusa
Gujarat	Ahmedabad/Gandhi Nagar
	Vadodara/Anand
	Surat
	Rajkot
Haryana	Ambala
	Faridabad
	Gurgaon
Himachal Pradesh	Shimla
	Mandi
	Hamirpur, Bilaspur
Jammu & Kashmir	Jammu, Srinagar
Jharkhand	Ranchi
Jharkhand	Jamshedpur
Karnataka	Bengaluru
	Hubli/Dharwad
	Mangaluru (Mangalore)
	Mysuru (Mysore)
	Kalaburagi (Gulbarga)
Kerala	Ernakulum
	Thiruvananthapuram
	Kozhikode
Madhya Pradesh	Bhopal
	Indore
	Gwalior
	Jabalpur, Satna
Maharashtra	Mumbai/Navi Mumbai/Thane/MMR
	Nagpur
	Pune
	Chhatrapati Sambhaji Nagar
	Nasik
Manipur	Imphal
Meghalaya	Shilong
Mizoram	Aizawl
Nagaland	Kohima
Odisha	Bhubaneswar
	Cuttack
	Rourkela
	Berhampur-Ganjam
Puduchery	Puduchery
Punjab	Amritsar
	Jalandhar
	Bhatinda, Patiala
Rajasthan	Jaipur
	Jodhpur
	Bikaner
Sikkim	Gangtok
Tamil Nadu	Chennai
	Coimbatore
	Madurai, Salem, Tiruchirappalli, Tirunelveli
Telangana	Hyderabad
Telangana	Warangal, Khammam, Karimnagar
Tripura	Agartala
Uttar Pradesh	Lucknow
	Prayagraj
	KanpurNoida/Greater Noida, Ghaziabad, Meerut Agra
Uttarakhand	Dehradun
	Roorkee
	Haldwani
West Bengal	Kolkata
	Siliguri
	Asansol Durgapur

OICL AO Mains Exam Center List

State/UT	Centers
Andhra Pradesh/Telengana	Hyderabad
Assam	Guwahati
Bihar	Patna
Chandigarh	Mohali
Chhattisgarh	Raipur
Delhi-NCR	Delhi-NCR
Gujarat	Ahmedabad-Gandhinagar
Himachal Pradesh	Shimla, Bilaspur
Jammu & Kashmir	Jammu
Jharkhand	Ranchi
Karnataka	Bengaluru
Kerela	Ernakulum
Maharashtra	Mumbai/Navi Mumbai/Thane/MMR
Madhya Pradesh	Bhopal
Orissa	Bhubaneswar
Rajasthan	Jaipur
Tamil Nadu	Chennai
Uttar Pradesh	Lucknow
Uttrakhand	Dehradun
West Bengal	Kolkata

ADMIT CARD

The OICL AO Mains Admit Card 2026 for the Administrative Officer (Scale-I) recruitment was released on February 18–19, 2026, for the examination scheduled on February 28, 2026. Candidates can download their hall tickets from the official website by logging in using their Registration Number or Roll Number along with their password..

The OICL AO Admit Card is issued online on the official website of OICL. Candidates need to follow the steps to download admit card of OICL AO exam

Step 1. Visit the official website of OICL.

Step 2. Click on the ‘Careers’ link given under the ‘Miscellaneous’ section at the bottom.

Step 3. Click on the OICL AO Admit card link.

Step 4. Login with your registration ID and password.

Step 5. Download the OICL admit card.

Step 6. Take two print out of the OICL admit card for future reference.

EXAM RESULT

The OICL AO Prelims Result 2026 for the 300 Administrative Officer (Scale-I) posts was officially release on February 6, 2026. Candidates can download the result PDF, which includes the roll numbers of shortlisted candidates, from the Oriental Insurance Company Limited (OICL) website. The Mains examination was conducted on February 28, 2026.

Candidates need to follow the steps below to check the result of the OICL AOexam:

Step 1. Visit the official website of OICL.

Step 2. Click on the career tab.

Step 3. Click on the ‘AO Result’ link.

Step 4. On clicking above OICL Result PDF will appear on the screen.

Step 5. Search for your roll number.

Step 6. Download and save the OICL Result PDF for future reference.

OICL Assistant Result 2025 Released For Tier I Prelims Exam

OICL has released the OICL Assistant Result 2025 for the Tier I Preliminary Exam at orientalinsurance.org.in. Check the result PDF, exam dates, next stage details, and steps to download the OICL Assistant Prelims result here...