IRDAI Assistant Manager Eligibility 2026: Age and Degree

Before you spend months preparing, check one thing carefully: whether your degree, marks and date of birth fit the IRDAI Assistant Manager eligibility rules for the stream you want. Unlike many general recruitment exams, IRDAI sets a different qualification for each of its six streams, and every stream asks for at least 60% marks. A small gap, such as 59.8% or a missing actuarial paper, is enough to make an application invalid.

This page explains the eligibility conditions set by the Insurance Regulatory and Development Authority of India in its 2024 notification, the latest cycle as of 4 November 2026. It covers stream-wise qualifications, the 60% rule and how it is calculated, the age limit and relaxations, nationality and other conditions, and the most common reasons candidates turn out to be ineligible. The next notification may revise dates and details, so recheck it when it is released.

Table of Contents

Eligibility at a Glance

Educational Qualification by Stream

Each stream has its own qualifying degree. The minimum is 60% marks in the aggregate of all semesters or years, unless the notification says otherwise. The qualification must be complete, with the result declared, on or before the cut-off date in the notification.

Actuarial

You need a graduate degree with 60% marks and at least seven papers passed with the Institute of Actuaries of India under its 2019 curriculum. If you passed some papers under an earlier curriculum, confirm with the Institute how they map to the 2019 curriculum before applying. Keep your official statement of papers passed ready for document verification.

Finance

You need a graduate degree with 60% marks plus one of these professional qualifications: ACA, AICWA, ACMA, ACS or CFA. The professional qualification must be complete by the cut-off date; passing an intermediate level is not enough.

Law

You need a bachelor's degree in Law with at least 60% marks. Check that your university's mark sheet or certificate shows the aggregate percentage clearly, since you will need to prove it at verification.

IT

The IT stream accepts any one of the following, each with at least 60% marks:

• Engineering degree: B.E. or B.Tech in Electrical, Electronics, Electronics and Communication, Information Technology, Computer Science or Software Engineering.

• MCA: A Master's in Computer Applications.

• Graduation plus PG in IT: A bachelor's degree in any discipline plus a post-graduate qualification of at least two years' duration in Computers or Information Technology.

Disciplines outside this list, such as Mechanical or Civil Engineering, do not qualify for the IT stream on their own. Such candidates can still consider the Generalist stream.

Research

You need a master's degree or a two-year post-graduate diploma with at least 60% marks in one of these subjects: Economics, Econometrics, Quantitative Economics, Mathematical Economics, Integrated Economics, Statistics, Mathematical Statistics, or Applied Statistics and Informatics.

Generalist

Any graduate with at least 60% marks can apply for the Generalist stream. It had the largest share of posts in 2024, with 24 of the 49 vacancies.

How the 60% Rule Is Applied

The marks rule is where many applications go wrong, so read these points closely.

• Aggregate marks count: The percentage is the aggregate across all years or semesters of the qualifying degree, not the marks of selected subjects or the final year alone.

• No rounding up: The percentage is calculated to two decimal places and any fraction is ignored. A score of 59.99% does not meet a 60% requirement.

• CGPA conversion: If your university awards grades or CGPA, use the conversion formula the university specifies. Where no formula exists, the 2024 notification gave fixed equivalents, for example a CGPA of 6.75 on a 10-point scale is treated as 60%.

• SC/ST relaxation: SC and ST candidates get a 5% relaxation in marks at the bachelor's degree level, so 55% is the minimum for them where a bachelor's degree is the requirement.

Age Limit

Candidates must be at least 21 and not more than 30 years old on the age reference date given in the notification. In the 2024 cycle that date was 20 September 2024, the last date of application.

For the next cycle, the reference date and date-of-birth window will move with the new notification. To check quickly, count your age in completed years on the new reference date, then apply any relaxation you are entitled to.

Age Relaxation

Relaxation cannot be combined across categories. For example, an ex-serviceman from the OBC category does not get 3 plus 5 years; the notification applies one relaxation. Candidates claiming any reserved status must hold a valid certificate in the format the notification prescribes.

Nationality and Other Conditions

• Indian citizenship: The recruitment is open to Indian citizens.

• Computer knowledge: Candidates are expected to know how to operate a computer, as the work is computer-based.

• Document verification: Selection is subject to verification of all documents and the other conditions set out in the notification and offer.

• Service bond: Selected candidates sign a bond to serve IRDAI for three years, or pay Rs. 6 lakh if they leave earlier.

• Probation: One year, which can be extended up to a total of two years.

Applying for More Than One Stream

A separate online application and a separate fee are needed for each stream. If you apply more than once in the same stream, only your latest valid application is considered and the others are rejected. The notification can also limit how many specialised streams one candidate may apply for, so read that rule in the new notice before registering. Many specialist candidates also qualify for the Generalist stream; applying to both widens your options, but each application must meet its own stream's requirement.

Which Stream Should You Choose?

The exam papers are the same for every stream, so the choice is mainly about eligibility and competition. Use this table to think it through.

Stream-wise vacancies can change from one cycle to the next. Decide after reading the new notification, not on the basis of the 2024 numbers alone.

Who Is Not Eligible

• Below the marks line: Candidates with less than 60% (or 55% for SC/ST at bachelor's level), including those just below after two-decimal calculation.

• Result after the cut-off date: Final-year students whose result is not declared by the qualification cut-off date.

• Wrong discipline for the stream: For example, a B.Tech in Mechanical Engineering applying for the IT stream, or a master's in Commerce applying for the Research stream.

• Incomplete professional qualification: Finance applicants who have not completed ACA, AICWA, ACMA, ACS or CFA, or Actuarial applicants with fewer than seven papers passed.

• Outside the age window: Candidates who are under 21 or over the maximum age for their category on the reference date.

Pre-Examination Training for Reserved Categories

In the 2024 cycle, IRDAI offered pre-examination training to SC, ST, OBC and PwBD candidates who had applied online. Eligible candidates had to send a separate application in the prescribed format to the Chief General Manager (HR) by 26 September 2024. Training could be attended offline at Hyderabad, Mumbai or New Delhi, or online, and those attending offline did so at their own cost. Taking the training does not give any right to selection. If you belong to one of these categories, check whether the next notification repeats this facility and note its deadline, which falls soon after the application window closes.

Eligibility Checklist Before You Apply

1. Confirm your stream: Match your degree and subject to the exact wording for that stream in the notification.

2. Calculate your percentage: Work out your aggregate to two decimal places and do not round it up.

3. Check result dates: Make sure your final result is declared before the qualification cut-off date.

4. Check your age: Count your age on the reference date and apply only the one relaxation you are entitled to.

5. Collect certificates: Keep category, disability or ex-servicemen certificates in the prescribed format and valid on the required date.

6. Decide on streams: Plan one application per stream and pay the fee for each.

Application Fee and Documents

The fee is paid online and is not refundable. At the interview and verification stage, keep originals and copies of your date-of-birth proof, mark sheets and degree certificates, professional or actuarial qualification proof, category or disability certificate and photo identity proof. The exact list is given in the call letter.

Once you know you are eligible, the next step is to understand what the exam asks of you. The IRDAI Assistant Manager exam pattern explains marks, timing and negative marking, and the IRDAI Assistant Manager overview brings dates, vacancies and salary together. When you start practising, Testkart offers IRDAI Assistant Manager online tests with section-wise analysis, which helps you check early whether your preparation is on track. Testkart study notes can also help you revise the insurance topics for Phase II.

All rules above are from the 2024 notification. Confirm every condition in the latest advertisement on the official website, https://irdai.gov.in/, before applying.