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LIC AAO Salary 2025 Revised, In Hand Salary, Allowances, Job Profile

LIC AAO Salary is quite good and includes basic pay, allowances, and other benefits. The exact salary may change a little depending on the grade and the place of posting. Candidates selected for LIC AAO posts get a well-paid package, similar to what is offered in top public-sector and private financial institutions. In this article, you can find details about the LIC AAO Job Profile, Career Growth, Allowances, Pay Scale, and more. Bookmark this page to stay updated with the latest information.

LIC AAO Salary 2025

The LIC AAO Salary is a major reason why many candidates choose a career with the Life Insurance Corporation of India. It is one of the key attractions for aspirants applying for the post of Assistant Administrative Officer, making it a highly sought-after job in the insurance sector. Known for its good reputation and stability, this central-level government job offers excellent career scope as well. In this article, we have covered the complete details of the LIC AAO Salary, including:

1. Pay Scale, Salary Structure
2. Promotion and Increments
3. Allowances/ Benefits
4. Job Profile

Check: LIC AAO Notification 2025 Out For 841 Posts

LIC AAO 2025 Salary: Highlights

Selection as an LIC Assistant Administrative Services post is going to give the candidates a sense of satisfaction for it is a central government job, and the fact that it has a great career scope is another factor for choosing this path. LIC AAO Salary is going to be a handsome chance for the aspirants to get settled. Candidates can check the table below for brief details about the LIC AAO Salary.

LIC AAO Salary: Highlights
Component Amount
Basic Pay
Rs. 88,635 per month
Maximum Basic Pay
Rs. 1,69,025 per month

Also check – LIC AAO Apply Online 2025

LIC AAO Salary: Structure- Pay Scale

The revised pay scale of LIC AAO is 88,635-4,385(14)-1,50,025-4,750(4)-1,69,025. The basic pay starts at Rs 88,635, where there will be an increment of Rs 4,385 for 14 years. With Rs 1,50,025 as the next basic pay, the increment amount will be Rs 4,750 for the next four years. After 4 years, 1,69,025 becomes the next basic pay.

LIC AAO Salary Structure
Component Amount (Rs.)
Basic Pay 88,635.00
DA @ 15.38% 13,635.39
Cadre Special Allowance 8,900.00
HRA 6,204.45
Transport Allowance 3,300.00
Gross Total Income 1,20,674.84
Deductions:
Income Tax 10,200.00
New GI Scheme 137.42
Professional Tax 200
GIS Premium 2,915.00
Total Deductions 13,452.42
Net Pay (After Deductions) 1,07,222.42

LIC AAO Salary 2025: Deductions

Out of the total salary for the Assistant Administrative Officer post, there are certain deductions as shown below.

LIC AAO Salary: Deductions
Particulars Amounts
Income Tax 10,200.00
New GI Scheme 137.42
Professional Tax 200
GIS Premium 2,915.00
Total Deductions 13,452.42

LIC AAO Salary 2025: Allowances

As per the salary slip, the allowances included in the salary are listed. These allowances are an appeal to the candidates. Please note that these allowances may vary from city to city.

  • Defined Contributory Pension
  • Gratuity
  • Leave Travel Concession (LTC)
  • Cash Medical Benefit
  • Group Mediclaim Policy
  • Group Personal Accident Insurance
  • Group Insurance
  • Vehicle Loan (2-wheeler/4-wheeler) as per rules
  • Meal Coupons
  • Reimbursement of Cost of Briefcases/Leather Bags
  • Mobile Handset Facility
  • Supply of Dailies and Magazines
  • Tea/Coffee Facility
  • Mobile Expenses Reimbursement
LIC AAO Allowances
Allowance Criteria Rate
House Rent Allowance Cities with population ≥ 45 lakh
10% of pay (Max ₹13,000)
Cities with a population 12–45 lakh
8% of pay (Max ₹11,000)
Other places
7% of pay (Max ₹10,500)
City Compensatory Allowance Cities with population ≥ 45 lakh
3% of pay (Max ₹3,300)
Cities with a population 12–45 lakh
2.5% of pay (Max ₹3,100)
Cities with a population 5–12 lakh
2% of pay (Max ₹2,400)
Hill Allowance Height ≥ 1,500m
2.5% of basic pay (Max ₹2,055)
Height 1,000m – 1,500m
2% of basic pay (Max ₹1,650)
Altitude ≥ 750m with hills ≥ 1,000m
2% of basic pay (Max ₹1,650)

LIC AAO Salary Slip

Candidates can check the official salary slip of an Assistant Administrative Officer (AAO) below.

Insurance

LIC AAO Salary 2025: Promotion and Career Growth

With such a reputed position, promotions and career growth in LIC AAO/AE are also promising. Employees receive regular increments and can move up to higher-grade positions based on their performance and experience. Specifically, candidates selected for the post of LIC Assistant Administrative Officer (Chartered Accountant) who have at least two years of post-qualification work experience as of the eligibility date are entitled to two additional advance increments.

LIC AAO 2025: Job Profile

The job/ working profile of an LIC Assistant covers Clerical Duties such as cashier, single-window operator, customer service executive
Other important roles include:
1. Management of cash counters, managing customer grievances and public relations
2. Management of sales documents- policies, claims, settlements
3. Back-end office work also comes under the role.

After Selection as LIC AAO:

  • A period of 1 year is mandatory for the selected candidates. This may also extend up to two years. The candidates may be posted or subsequently transferred anywhere in India.
  • Candidates will be required to give the undertaking to serve LIC for a minimum of period of four years from the date of joining, including the probation period.
  • Not accepted by the undertaking rules, the candidates will be required to pay liquidated damages of Rs 5,00,000/-only (Rupees Five Lakhs only) + GST or the sum of amount the Executive Director (Personnel) may prescribe from time to time.
LIC AAO Related Articles
LIC AAO Recruitment 2025 LIC AAO Syllabus
LIC AAO Previous Year Question Paper LIC AAO Cut Off

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FAQs

What is the in hand salary of LIC AAO?

Ans. The In-hand salary for the LIC AAO is Rs. 88,635/- for those who join initially.

What is the maximum basic pay for LIC AAO?

The maximum basic pay for LIC AAO can go up to ₹1,69,025 per month after increments.

What are the total earnings and net salary for LIC AAO?

The gross total income is ₹1,20,674.84, and after deductions of ₹13,452.42, the net pay is ₹1,07,222.42

What is the career growth for LIC AAO?

Promotions are performance-based, and candidates with experience may receive higher grade assistant roles. Candidates with two years of post-qualification work experience may be eligible for two advance increments.

What is the probation period for LIC AAO?

The probation period is one year, extendable up to two years if required.

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