LIC AAO 2025 In-hand Salary of Rs 1,07,222 per month
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:
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.
This pay scale can be explained as:
| 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 |
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 |
‘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.
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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:
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) |
| 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 |
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.
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.
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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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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