The OICL AO previous year cut off for Generalist officers in the 2025 recruitment was 78.50 out of 100 in Phase I and 140.50 in Phase II for unreserved candidates, according to the cut off notice Oriental Insurance released after the scorecards. Hindi (Rajbhasha) Officer posts closed far lower, at 8.00 in Phase I and 96.00 in Phase II.
You face a double test at each phase, a floor per section plus a floor on the total for your category. Below are the latest figures, the sectional bars, the specialist cut offs from the 2024 cycle and the older 2017 Generalist numbers, so you can see how high the bar has moved.
Exam at a glance
Released by
The Oriental Insurance Company Ltd, after each phasePhase I (UR, Generalist)
78.50 of 100 (2025 recruitment)Phase II (UR, Generalist)
140.50 (2025 recruitment)Hindi Officer (UR)
Phase I 8.00, Phase II 96.00 (2025)Sectional cut off
Yes, in every section of both phasesFinal merit
Mains objective 80 percent, interview 20 percentOfficial website
What the OICL AO cut off measures
Oriental Insurance recruits Administrative Officers in Scale I through two written phases and an interview. After each written phase the company fixes a minimum score for every category. Two checks apply together:
- Sectional minimum: you must reach a set mark in each section. Falling short in one section removes you, however high your total.
- Overall minimum: once all section floors are met, the category list is drawn down to the last score that still fits the shortlist.
Phase I marks only decide who sits Phase II. Your final rank is built by combining Phase II objective marks with the interview, as explained on our OICL AO syllabus page.
OICL AO previous year cut off: Phase I in 2025
Many aspirants search for the OICL AO pre cut off first. The Phase I paper has English (30 marks), reasoning (35) and quantitative aptitude (35), each timed separately. The category minimums for the two streams were as follows.
| Category | Generalist | Hindi Officer |
|---|---|---|
| UR | 78.50 | 8.00 |
| EWS | 77.50 | 8.00 |
| OBC | 78.50 | 8.00 |
| SC | 72.75 | 8.00 |
| ST | 63.25 | 8.00 |
For Generalist candidates the sectional pre cut off stood at English 17.50, reasoning 16.00 and quant 15.00 for UR and EWS candidates. Reserved and PwBD candidates needed English 14.00, reasoning 11.00 and quant 10.75. Hindi Officer candidates needed only 1.00 in each section, which leaves the professional knowledge paper in Phase II to do the real sorting.
A Generalist prelims bar near 80 percent is very high for a bank style paper. It tells you that the shortlist was narrow compared with the number of serious candidates, so speed with accuracy in all three sections is the real requirement.
OICL AO mains cut off, 2025 recruitment
| Category | Generalist | Hindi Officer |
|---|---|---|
| UR | 140.50 | 96.00 |
| EWS | 137.75 | 96.00 |
| OBC | 140.50 | 96.00 |
| SC | 127.25 | 96.00 |
| ST | 110.00 | 78.25 |
Generalist Phase II sectional minimums
| Test (max marks) | UR and EWS | Reserved and PwBD |
|---|---|---|
| Reasoning (45) | 33.50 | 31.25 |
| English (40) | 22.75 | 20.25 |
| GA (40) | 6.25 | 3.75 |
| Quantitative aptitude (40) | 23.00 | 21.00 |
| Computers (35) | 17.25 | 15.00 |
| Descriptive (30) | 13.50 | 11.75 |
Reasoning carried the steepest sectional bar, close to three quarters of its marks even for reserved categories. General awareness, by contrast, needed only a handful of marks, which shows how low actual scores in that test were. Note that the notice lists the Phase II total separately from the sectional minimums, so check in the official file whether the descriptive paper is counted in the aggregate.
Specialist posts: the 2024 cycle
The 2024 recruitment was for specialist officers, with cut offs set discipline by discipline. The figures below are for the UR category as reported from the notice.
| Discipline | Phase I | Phase II (out of 200) |
|---|---|---|
| Accounts | 73.25 | 82.50 |
| Engineers (IT) | 67.25 | 81.00 |
| Engineers | 71.25 | 100.50 |
| Legal | 42.75 | 92.00 |
| Doctors | 42.50 | 59.00 |
Legal and medical posts closed around 42 in Phase I, while Accounts and Engineers needed above 70. The gap reflects how many applicants each discipline draws more than any change in paper difficulty. If you are a law or medicine graduate, plan on the basis of the cut off for your own discipline, not the Generalist figure.
Older Generalist figures from 2017
An earlier Generalist recruitment ran in 2017. Its numbers, as reported at the time, help you see the trend.
| Category | Prelims | Mains (out of 200) |
|---|---|---|
| UR | 59.75 | 110.25 |
| OBC | 56.25 | 103.50 |
| SC | 51.50 | 92.00 |
| ST | 43.75 | 80.00 |
Between the two cycles the UR prelims bar rose by almost 19 marks and the mains bar by about 30. Competition and post counts both differ between cycles, so do not assume the older, lower level will return.
Qualifying for the interview versus final selection
Clearing the Phase II cut off earns an interview call, but it is not the final line. The final list ranks candidates on the Phase II objective score and the interview, weighted 80 and 20. Two candidates with the same mains marks may finish far apart because of the interview.
Factors behind the next OICL AO cut off
- Vacancies and stream: a Generalist drive with many posts brings the bar down; a small specialist drive pushes discipline cut offs around.
- Paper difficulty: a tough quant or reasoning section lowers both sectional and overall minimums.
- Applicant numbers: insurance officer posts draw candidates who also prepare for bank PO exams, so competition is wide.
- Category share: where the reserved list fills quickly, OBC can close level with UR, as it did in 2025.
For similar insurance recruitments, compare the LIC AAO cut off and the NICL assistant cut off.
Checking the official notice
Oriental Insurance posts cut off marks on the recruitment page of its website after the scorecards. Look for the file that covers Phase I and Phase II for your advertisement, then look up your category against your stream. PwBD sub categories are shown separately, and some cells may say no candidate qualified.
More insurance and bank exams are collected in our bank exams hub.
Frequently asked questions
What was the OICL AO prelims cut off in 2025?
For Generalist posts it was 78.50 out of 100 for UR and OBC, 77.50 for EWS, 72.75 for SC and 63.25 for ST. Hindi Officer candidates needed 8.00 in Phase I.
What was the OICL AO mains cut off?
In the 2025 recruitment, Generalist candidates in the UR and OBC lists had to reach 140.50 in Phase II, EWS 137.75, SC 127.25 and ST 110.00. The Hindi Officer stream closed at 96.00 for UR.
Does OICL AO have a sectional cut off?
Yes. Both phases have a minimum for every section, and you must clear each one before your total is counted. In the 2025 Generalist mains the reasoning bar was the highest.
Do Phase I scores count towards final selection?
No. Phase I only shortlists candidates for Phase II. The final merit combines the Phase II objective score and the interview.
Why is the Hindi Officer cut off so low in Phase I?
The company set only a token Phase I bar for that stream, so in practice the Phase II papers, including the 100 mark professional knowledge test, decide who moves ahead.
Where does Oriental Insurance publish the cut off?
In the careers area of the Oriental Insurance website, where the company releases a cut off file covering both phases after the scorecards.