Indian Navy Salary 2026 — Agniveer (SSR/MR), Rank-wise Pay & In-hand
Navy Agniveer (SSR / MR) package
Sailor entry — including the old SSR (Senior Secondary Recruit) and MR (Matric Recruit) categories — is now through the Agnipath scheme as Agniveer (SSR) and Agniveer (MR). The package matches the tri-service Agniveer scheme: ₹30,000 a month in year 1 rising to ₹40,000 by year 4, about 30% going into the Seva Nidhi corpus.
| Year | Monthly package (₹) | Approx in-hand (₹) |
|---|---|---|
| Year 1 | 30,000 | 21,000 |
| Year 2 | 33,000 | 23,100 |
| Year 3 | 36,500 | 25,580 |
| Year 4 | 40,000 | 28,000 |
Agnipath scheme package (not the 7th CPC pay matrix). Seva Nidhi lump sum on exit is roughly ₹10.04–11.71 lakh, and there is a life-insurance cover of about ₹48 lakh during service. Source: Ministry of Defence.
Rank-wise pay for sailors and officers
Regular sailors and commissioned officers are on the 7th CPC defence pay matrix — identical basic pay to the equivalent Army ranks — with MSP added (₹5,200 for sailors/JCO-equivalent, ₹15,500 for officers up to Commodore/Brigadier-equivalent).
| Rank | Pay Level | Entry Basic Pay (₹) | MSP (₹) |
|---|---|---|---|
| Seaman / Sailor (regular) | Level 3 | 21,700 | 5,200 |
| Petty Officer | Level 5 | 29,200 | 5,200 |
| Chief Petty Officer | Level 6 | 35,400 | 5,200 |
| Master Chief Petty Officer II/I | Level 7–8 | 44,900–47,600 | 5,200 |
| Sub Lieutenant | Level 10 | 56,100 | 15,500 |
| Lieutenant | Level 10B | 61,300 | 15,500 |
| Lieutenant Commander | Level 11 | 69,400 | 15,500 |
| Commander | Level 12A | 1,21,200 | 15,500 |
| Captain | Level 13 | 1,30,600 | 15,500 |
| Commodore | Level 13A | 1,39,600 | 15,500 |
| Rear Admiral | Level 14 | 1,44,200 | — |
Entry (first-stage) basic pay of the defence pay matrix; Navy ranks map to the same pay levels as the equivalent Army ranks. MSP ₹15,500 for officers up to Commodore; ₹5,200 for sailors. In-hand adds DA (60%), MSP and allowances (sea-going, HRA, etc.).
Sea-going and other allowances
Navy personnel draw DA (60% of basic) plus service allowances such as Sea Going Allowance, Submarine Allowance, Diving Allowance and HRA, which vary with role and posting. These lift in-hand well above the basic-plus-MSP figure for personnel on active sea duty. Officer entry is largely via the NDA and other cadet routes — see the NDA exam hub.
Sources & Official References
Frequently Asked Questions
What is the salary of a Navy Agniveer (SSR)?
A Navy Agniveer (SSR/MR) is on the tri-service Agniveer package: ₹30,000 a month in year 1 rising to ₹40,000 by year 4, with about ₹21,000–₹28,000 in-hand after the Seva Nidhi deduction, and a Seva Nidhi lump sum of about ₹10.04–11.71 lakh on exit.
What is the starting salary of a Navy officer?
A commissioned Sub Lieutenant is at pay Level 10 (basic ₹56,100) plus MSP ₹15,500, DA and allowances. In-hand is well over ₹1 lakh a month, higher with sea-going and other role allowances.
Do Navy sailors get sea-going allowance?
Yes. Sailors and officers on active sea duty receive Sea Going Allowance, and role-specific allowances such as Submarine and Diving Allowance, on top of basic pay, MSP and DA.
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