LIC AAO Salary 2026 — Revised Basic Pay, In-hand & Perks
LIC AAO salary structure
The Assistant Administrative Officer (Generalist) is LIC's flagship officer entry. LIC pay follows its own wage-revision settlement, not the 7th CPC. On the revised settlement the starting basic is about ₹88,635, with DA, HRA and a cadre special allowance on top.
| Component | Amount (₹) | Basis |
|---|---|---|
| Basic pay (start) | 88,635 | Revised LIC pay scale |
| Pay scale | 88,635–1,69,025 | Revised AAO scale |
| Dearness Allowance | LIC DA slab | Revised periodically |
| House Rent Allowance | by city | Metro/urban/other |
| Special / cadre allowance | included | LIC-specific |
| Approx gross / month | 1,15,000–1,20,000 | Before deductions |
| Approx in-hand / month | 1,00,000–1,07,000 | After deductions |
LIC follows its own wage-revision settlement, not the 7th CPC. The ₹88,635 basic is the widely-cited revised figure (earlier scale started at ₹53,600); gross and in-hand are indicative and vary with posting city and current LIC DA.
Why LIC AAO is a sought-after job
- Strong basic pay on the revised scale, well above most entry-level central posts.
- Comprehensive perks — medical, LTC, and reimbursements that lift effective earnings.
- Job stability and brand — LIC is India's largest insurer.
- Clear officer-cadre growth — AAO → ADM → higher management grades.
Career growth
An AAO is promoted to Administrative Officer, Assistant Divisional Manager, Divisional Manager and up the management ladder over a career. Each grade carries a higher pay scale and wider responsibility across LIC's divisional and zonal structure.
Sources & Official References
Frequently Asked Questions
What is the in-hand salary of an LIC AAO?
On the revised scale with a basic of about ₹88,635, an LIC AAO's gross is roughly ₹1.15–1.20 lakh and in-hand about ₹1.0–1.07 lakh a month, before variable deductions and depending on posting city.
What is the basic pay of an LIC AAO in 2026?
The widely-cited revised basic pay is about ₹88,635 per month, on the current LIC wage settlement — a large jump from the earlier scale that started at ₹53,600.
Does LIC follow the 7th Pay Commission?
No. LIC sets pay through its own periodic wage-revision settlement, not the 7th CPC. DA and allowances also follow LIC's own structure.
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