Key Takeaways
- Basic Pay: LIC AAO starts at ₹88,635 per month in the prescribed scale.
- Gross Salary: Total emoluments, including allowances, can reach approximately ₹1,26,000 per month in an ‘A’ Class city.
- Perks & Benefits: Employees enjoy HRA, City Compensatory Allowance, pension, gratuity, LTC, medical benefits, group insurance, special allowances, and other perks.
LIC AAO Salary
LIC AAOs (Generalist) start with a basic pay of ₹88,635/month, under the revised pay scale of ₹88,635–₹4,385 (14 years)–₹1,50,025–₹4,750 (4 years)–₹1,69,025. In “A-class” metro cities, including DA, HRA, CCA, and transport allowance, the gross emoluments reach around ₹1,26,000. After deductions such as income tax, GIS premium, professional tax, and GI scheme contributions, the net in-hand salary stands at approximately ₹1,07,222/month. To make your job easy, we are here divulging the approximate in-hand salary of LIC AAO with all other miscellaneous details. Have a look:
LIC AAO Salary 2025: Latest In-Hand Pay Details
LIC AAO Salary After 7th Pay Commission
Wage Revision has recently been implemented in 2025, enhancing the pay scale of LIC AAO to Rs. 88635- 4385(14)-150025– 4750(4) –169025 and other admissible allowances as per rules. This revision makes it extremely alluring for government job aspirants.
What does the Pay Scale mean?
This pay scale can be explained as:
- Starting Basic Pay: ₹88,635
- First Increment Stage: ₹4,385 annual increment for 14 years
- Intermediate Level: ₹1,50,025 (reached after 14 increments)
- Second Increment Stage: ₹4,750 annual increment for 4 years
- Maximum Basic Pay: ₹1,69,025
LIC AAO Salary 2025 Year-wise Progression Table
| Year | Basic Pay (₹) | Annual Increment (₹) |
|---|---|---|
| 1st Year | 88,635 | – |
| 2nd Year | 93,020 | 4,385 |
| 3rd Year | 97,405 | 4,385 |
| 4th Year | 1,01,790 | 4,385 |
| 5th Year | 1,06,175 | 4,385 |
| 10th Year | 1,28,100 | 4,385 |
| 15th Year | 1,50,025 | 4,385 |
| 16th Year | 1,54,775 | 4,750 |
| 17th Year | 1,59,525 | 4,750 |
| 18th Year | 1,64,275 | 4,750 |
| 19th Year | 1,69,025 | 4,750 |
Total Deductions from LIC AAO Gross Salary
Who likes deductions from one’s salary? But here they are:
| Deduction Type | Amount (₹) |
|---|---|
| DCPS (Pension) | 10,000 |
| Income Tax | 8,500 |
| Group Insurance Scheme | 4,200 |
| Mediclaim Premium | 500 |
| Professional Tax | 200 |
| Other Deductions | 1,000 |
| Total Deductions | 24,400 |
LIC AAO Net In-hand Salary
‘How much would an LIC AAO get in hand’ would be the question bugging any aspirant’s mind. Well, it depends on several factors, including the city one is posted. But fret not, we’re giving you an approximate figure. The in-hand salary of an LIC AAO is approximately Rs 1,07,000. Sounds exciting! Right? Get started with its preparation right away, as the exam is on Oct 3, 2025.
Take a Free Mock Test of LIC AAO
LIC AAO Salary Structure: Basic Pay, Perks & Benefits
The LIC AAO (Assistant Administrative Officer) Salary Structure for 2025, presented in a clear tabular format based on the latest wage revision and reliable sources:
LIC AAO Per Month Salary
Per month gross salary of LIC AAO without any deductions is Rs 1,26,000 (one lakh twenty six thousand rupees). Along with salary and Assistant Administrative Officer in LIC gets many Perks and allowances along with medical insurance and group Insurance benefits.
| Component | Amount (₹) |
|---|---|
| Basic Pay | 88,635 |
| Dearness Allowance (DA) @15.38% | 13,635.39 |
| Cadre Special Allowance | 8,900 |
| House Rent Allowance (HRA) | 6,204.45 |
| Transport Allowance | 3,300 |
| Gross Salary (A-Class City) | 1,20,674.84 |
| Deductions: | |
| – Income Tax | 10,200 |
| – New GI Scheme | 137.42 |
| – Professional Tax | 200 |
| – GIS Premium | 2,915 |
| Total Deductions | 13,452.42 |
| Net (In-hand) Salary | 1,07,222.42 |
| Total Emoluments (approx.) | ~1,26,000 (A-class city) |
LIC AAO Gross Salary vs In-Hand Salary for 5 years
| Year | Basic Pay | Gross Salary (approx.) | In-Hand Salary (approx.) |
|---|---|---|---|
| 1st | ₹88,635 | ₹1,52,085 | ₹1,07,000 |
| 2nd | ₹93,020 | ₹1,59,685 | ₹1,14,000 |
| 3rd | ₹97,405 | ₹1,67,285 | ₹1,21,000 |
| 4th | ₹1,01,790 | ₹1,74,885 | ₹1,27,000 |
| 5th | ₹1,06,175 | ₹1,82,485 | ₹1,34,000 |
LIC AAO Specialist Salary
The Specialist Officer in LIC AAO gets in-hand Rs 1,07,222 per month. This in-hand salary is after deductions from your gross salary. LIC AAO Specialist salary slip also includes total allowances DA, CCA, HRA, Leave and Travel and Medical benefits along with pension and group Insurance benefits.
LIC AAO Salary After 10 Years
- Basic Pay: ₹1,28,100
- Gross Salary: ₹2,20,000 (approx.)
- In-Hand Salary: ₹1,55,000 (approx.)
LIC AAO Senior Level Salary (Maximum Scale)
- Basic Pay: ₹1,69,025
- Gross Salary: ₹2,90,000 (approx.)
- In-Hand Salary: ₹2,20,000 (approx.)
LIC AAO Allowances and Additional Benefits
Monetary Benefits
- Performance Bonus: Up to 2 months’ salary annually
- Festival Bonus: Equivalent to 1 month’s basic pay
- Leave Encashment: At retirement or resignation
- Overtime Allowance: For extra working hours
- LTC (Leave Travel Concession): Every 2 years
Non-Monetary Benefits
- Medical Benefits:
- Comprehensive health insurance
- Cashless treatment at empanelled hospitals
- Family coverage included
- Loan Facilities:
- Home Loan: Up to ₹1 crore at subsidised rates
- Vehicle Loan: Up to ₹15 lakhs
- Personal Loan: Up to 24 times of basic pay
- Education Loan: For children’s higher education
- Retirement Benefits:
- Pension: Defined Contribution Pension Scheme (DCPS)
- Gratuity: 15 days’ salary for each year of service
- Provident Fund: 12% of basic pay contribution
LIC AAO Salary Slip Sample (with Deductions & Allowances)
A typical LIC AAO salary slip includes details such as Basic Pay, Dearness Allowance (DA), House Rent Allowance (HRA), City Compensatory Allowance (CCA), and Transport Allowance on the earnings side, while deductions may include Provident Fund (PF), Professional Tax, Income Tax, and LIC Premiums (if opted). For example, if the gross salary is around ₹1,26,000, the deductions may total about ₹18,778, leaving an in-hand salary of about ₹1,07,222 per month. A sample salary slip of LIC AAO is given below for your reference.
Summary
All in all, the pay scale of ₹88,635-4,385(14)-1,50,025-4,750(4)-1,69,025 and the in-hand salary of Rs 1,26,000 (approx.) is alluring enough for government job aspirants to apply for these vacancies. The vacancies are less, meaning the competition is going to be intensive. This also means that you need to be on your best foot forward in your preparation. And what better way to improve your preparation than taking mock tests and analysing them. With this, we come to the end of this article. All the best for your preparation!
Also read other related blogs:
| LIC AAO Syllabus and Exam Pattern | LIC AAO Previous Year Cut-offs |
| LIC AAO Eligibility Criteria | LIC AAO Salary |
| LIC AAO Study Plan | LIC AAO Previous Year Papers |
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LIC AAO Salary FAQs
The in-hand salary of LIC AAO is Rs 1,07,222.
No. LIC AAO exam has no negative marking.
There is no limit to the number of attempts in LIC AAO. You can attempt this exam as long as you meet the eligibility criteria.
With only a number of days left for the exam, it is challenging to crack this exam in 2025. But with the help of a structured preparation and mock tests, you can crack this exam.
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