As per your concern I will let you know some topics for Descriptive section conducted by NIACL with pattern, so that you can easily write the paper.

Here are some topics

Topics for Essay writing
Impact of Demonetisation on economy
Demonetisation - The ‘death politics’
BHIM (Bharat Interface for Money) App
National conference for e-governance
Pravasi Kaushal Vikas Yojna
Aadhar mandatory for MGNREGA works
Importance of Payment Banks for Financial Inclusion
Is Indian economy ready to go cashless
Is India at par by the facilities provided to the Players in Olympics
Digidhan campaign’ to promote digital transactions
Pradhan Mantri Jan Dhan Yojana

Topics for Letter writing
Write a letter to the bank manager to share an innovative idea on file management system in banks
Letter to Editor: About tampering the currency notes by punching pins to it.
Write a letter to insurance company for theft claim.
Mr. Raj applied for loan of Rs. 30 lacs but he is eligible only for Rs. 25 lacs. Write a letter as a Bank Manager telling him about the refusal of his loan in a polite manner
You completed B.com (Banking & Insurance). Write an unsolicited letter to bank manager for the job
An Informal Letter telling your friend about the advantages of PPF account and suggesting him to open a PPF account.
You are withdrawing money from ATM but the ATM turn out to be malfunctioned. So, money didn’t come out but deducted from account. Write a letter to bank manager for refund.
Write an application to branch manager as you have lost your receipt of term deposit which matures in next week asking him what steps needs to be taken next.
A Letter to Superintendent of Police raising the concern over the increased cases of theft near ATM.
A letter to bank for applying educational loan providing all particulars.

Pattern
The Descriptive Test will be of 30 minutes duration with 30 marks.

This Test will contain questions from Letter Writing & Essay topics.

Essay questions carries 20 marks & letter writing questions will be of 10 marks.

Word limits for Essay writing is – 250 words & for Letter writing is 150 words.