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LIC ADO Salary 2025, Pay Scale, Job Profile, Allowances, Career Growth

The Life Insurance Corporation of India (LIC) is one of the most prestigious and trusted organisations in the country, offering rewarding career opportunities to lakhs of aspirants. Among its various posts, the role of Apprentice Development Officer (ADO) is highly sought-after due to its attractive salary, allowances, perks, and career growth prospects.

For candidates preparing to join LIC as an ADO, understanding the complete salary structure, in-hand pay, and additional benefits is essential. In this article, we have provided detailed insights into the LIC ADO Salary 2025, including pay scale, allowances, perks, job profile, and career growth opportunities.

LIC ADO Salary 2025

Life Insurance Corporation, popularly known as LIC is an Indian state-owned insurance group and investment company. Securing a job in such an organisation is a dream of many aspirants. The LIC (Apprentice Development Officer) ADO post is a sought-after job in the current phase. It is important to have a glance at the salary structure, pay scale, and job profile of the LIC ADO. The Life Insurance Corporation provides a decent salary with benefits. In this article, we have covered the salary structure of the LIC ADO, benefits, and a list of allowances given to them. Read further for the LIC ADO Salary details.

LIC ADO Salary Structure

Candidates will draw a starting basic pay of Rs. 35,650/- per month along with allowances and additional benefits. The Salary of a LIC ADO Employee is based on the following pay scale of 35650-2200(2)-40050-2595(2)-45240-2645 (17)-90205. The table below shows the salary structure of LIC ADO as per the 7th pay commission.

LIC ADO Salary Structure
Years Increment Basic Pay
On Appointment The starting salary of LIC ADO is Rs. 35,650/-
After 2 years 2200*2 Rs. 40,050/-
Next 2 years 2595*2 Rs. 45,240/-
For the next 17 years 2645*17 Rs. 90,205/-

LIC ADO Salary In Hand

The basic salary of LIC ADO starts from Rs. 35,650/- and it keeps on increasing every two years. But along with basic pay, certain allowances like DA, HRA, CCA, SA, etc. are also added, so the overall LIC ADO In-hand salary is between the range of Rs.. 50,000-Rs.56,000/- per month. The amount of allowances may vary as per city allocation. This amount of salary is in itself provides great motivation to candidates to work hard for this post at LIC.

LIC ADO Salary Allowances

Apart from the basic pay scale, which is Rs. 35,650/-, the salary of LIC ADO will include other allowances in their salary structure as well, such as: –

  1. Dearness Allowance (DA): DA is revised every quarter based on the CPI (Consumer Price Index). This LIC AAO salary forms CPI 40% of the Basic Pay.
  2. House Rent Allowance (HRA): HRA can be 9%, 8%, or 7% of the basic pay depending on the location of the job.
  3. City Compensatory Allowance (CCA): CCA can be 4%, 3%, or 0% and it also depends on the location of the posting.
  4. Professional Allowance: Determined by LIC
  5. Special Allowance: Determined by LIC

LIC ADO Salary Benefits and Perks

There are other benefits along with allowances are as follows:

  1. Reward
  2. Defined Contributory Pension Scheme
  3. LTC(Leave Travel Concession)
  4. Medical Benefit
  5. Group Insurance
  6. Group Personal Accident Insurance
  7. Vehicle Advance (2-wheeler/4-wheeler)
  8. Reimbursement Towards the Cost of briefcase/leather bag
  9. Mobile Handset
  10. Supply of Dailies as per Rules and on Confirmation in Service
  11. Incentives on outstanding performance

LIC ADO Job Profile

Once the candidate is appointed as LIC Apprentice Development Officer they have to perform certain duties/jobs. We have discussed below the job profile of LIC ADO.

  1. Accomplish all Sales oriented tasks
  2. Reach the maximum number of people and complete the assigned targets of selling.
  3. Analyze the performance of each agent
  4. Motivating to sell maximum LIC policies
  5. Assigning target quota

LIC ADO Career Growth

Any employee working under the Life Corporation of India has bright career prospects with innumerable opportunities. The hierarchy in the LIC is given below

  1. Apprentice Development Officer
  2. Probationary Development Officer
  3. Development Officer
  4. Assistant Branch Officer
  5. Branch Officer
  6. Senior Branch Officer
  7. Assistant Divisional Officer
  8. Divisional Officer
  9. Senior Divisional Manager
  10. Regional Manager

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FAQs

What is the starting salary of a LIC ADO in 2025?

The starting basic salary of a LIC ADO is ₹35,650/- per month, excluding allowances and perks.

What is the in-hand salary of LIC ADO?

The in-hand salary of LIC ADO ranges between ₹50,000 to ₹56,000/- per month, depending on the posting location and allowances.

What are the allowances given to LIC ADO?

LIC ADO receives several allowances such as Dearness Allowance (DA), House Rent Allowance (HRA), City Compensatory Allowance (CCA), Special Allowance, and Professional Allowance.

What is the pay scale of LIC ADO?

The pay scale for LIC ADO is ₹35,650-2200(2)-40,050-2595(2)-45,240-2645(17)-90,205, as per the 7th pay commission.

LIC ADO a permanent job?

Yes, after successful completion of the apprenticeship and probation period, LIC ADO becomes a permanent employee of LIC with career growth opportunities.

What is the career growth path for LIC ADO?

LIC ADO has a bright career path starting from Apprentice Development Officer → Development Officer → Branch Officer → Divisional Officer → Regional Manager, with multiple promotions along the way.

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