With Prelims set for August 27 and Mains on October 30, aspirants are scrambling to decode last year’s cut-off trends. One number stands out: in Kerala, UR candidates needed 86.5; one of the highest in the country. Meanwhile, in Ladakh, the bar was set at just 61.5. Why? It’s not luck; it’s strategy. State-wise vacancies, exam difficulty, and competition levels shape these numbers. Don’t just guess your target score; check the 2025 cut-off PDF by state and category. A 73.25 in Karnataka might be your benchmark. A 92.75 in Maharashtra? That’s the gold standard. Your prep shouldn’t be generic; it should be tailored. Bookmark https://nationalinsurance.nic.co.in/, wait for results, and download your category’s cut-off. Because the difference between making it and missing out? Often, it’s just a few marks; and knowing where you stand before the exam begins.