LIC AAO Salary 2025, Revised Salary Structure, Job Profile And Allowances

LIC AAO Salary 2025: LIC Assistant Administrative Officer's initial revised basic pay is Rs. 53,600/- per month. The Revised LIC AAO salary includes four advance increments in the pay range of Rs. 53,600–2,645(14)–90,630–2,865(4)–1,02,090. This implies that the AAO will start with a basic salary of Rs 53,600 and an increment of Rs 2,645 every year for the next 14 years, then with a basic salary of Rs 90,630 and an annual increment of Rs 2,865 for the next four years, and so forth. The highest basic pay for LIC AAO positions will be roughly Rs. 102090.

LIC AAO Salary 2025

LIC AAO Salary Structure 2025

• Basic Pay: Starts at Rs. 53,600/- per month.
• Pay Scale: Rs. 53,600 - 2,645 (annual increment for 14 years) - Rs. 90,630 - 2,865 (annual increment for 4 years) - Rs. 1,02,090 (maximum basic pay after increments).
• Gross Salary: Approximately Rs. 99,228 per month in a metro city (A-Class city), including allowances.
• In-hand Salary: Around Rs. 88,667/- per month after deductions in metro cities.

LIC AAO Pay Scale 2025

The pay scale for LIC AAO in 2025 starts at ₹88,635 with an annual increment of ₹4,385 for 14 years. After that, the pay rises to ₹1,50,025 with an increment of ₹4,750 for the next 4 years, finally increasing to ₹1,69,025. This structured scale ensures steady salary growth over time.

LIC AAO Basic Pay 2025

The basic pay for LIC Assistant Administrative Officers starts at ₹88,635 per month. This pay increases annually with regular increments as per the LIC pay scale. The basic pay forms the core part of the salary package and grows with experience and years of service.

LIC AAO Allowances 2025

LIC AAO gets various allowances besides the basic pay, such as Dearness Allowance (DA), House Rent Allowance (HRA), Transport Allowance, and Cadre Special Allowance. These allowances vary based on the city and other factors, adding significantly to the overall salary.

LIC AAO Salary In-Hand 2025

The in-hand salary of LIC AAO in 2025 is approximately ₹1,07,000 to ₹1,26,000 per month, depending on the city of posting. This amount is after deductions like income tax and professional tax. The salary package is quite attractive and offers financial stability for employees.

LIC AAO Salary Deduction 2025

LIC AAO Gross Salary 2025 is Rs. 99228/-, and after deduction (PF/Income Tax/Professional Tax/Pension), the LIC AAO Net Salary is Rs. 88,667. The LIC AAO Salary Deduction details are provided here.

LIC AAO Salary 2025 Perks and Benefits 

House Rent Allowance (HRA)

City Compensatory Allowance (CCA)

Dearness Allowance (DA)

1. The total compensation, which will depend on the location of the assignment and include the House Rent Allowance (HRA) and any appropriate City Compensatory Allowance, will be around Rs. 56,000 per month in cash.
2. In addition, the candidates will receive a workplace pension, a bonus for passing the actual financial exam, LTC, a cash healthcare advantage, group individual insurance coverage, group health insurance, a vehicle loan under the rules, a daily food voucher, compensation for the expense of a briefcase or leather pack, a mobile phone, the provision of publications and magazines, tea and coffee, and mobile expenditure, among other rewards.
3. Two advance increments are available to applicants who are chosen for the position of AAO and have two years of post-qualification professional experience as of the qualifying period.

LIC AAO Salary- Job Profile

• Administrative Duties: LIC AAOs assist the Administrative Officer or department head in supervising the general functioning of their department.
• Policy Inspection and Analysis: They inspect and analyze currently running insurance policies.
• Planning and Processing: Responsible for planning new schemes or policies, processing policy applications, and maintaining databases.
• Customer Interaction: Engage with prospective customers, sales personnel, and vendors, and handle customer grievances and queries.
• Claims Management: Handle the filing and management of insurance claims.
• Coordination: Communicate and coordinate work across various departments.
• Additional Tasks: Perform other duties assigned by the officer-in-charge, including negotiating with agents and sometimes underwriting tasks.
• Department-Specific Roles: The job profile varies depending on the department, which can include Actuarial, Claims, Finance/Accounts, IT, Inspection, Marketing/Sales, New Business, and Policy Servicing

LIC AAO Career Growth 2025

1. Assistant Administrative Officer (AAO): Entry-level position responsible for administrative duties and management of specific departments.
2. Administrative Officer (AO): After gaining 3-5 years of experience and demonstrating capability, AAOs are eligible for promotion to AO, which involves overseeing AAOs and managing larger administrative functions.
3. Assistant Divisional Manager (ADM): The next step up, where you take on leadership duties within a division, guiding AOs and ensuring efficient operations.
4. Divisional Manager (DM): Responsible for the overall performance and strategic planning of an entire division.
5. Senior Divisional Manager (SDM): Oversees multiple divisions or a large geographic area, ensuring alignment with LIC’s policies and goals.
6. Zonal Manager (ZM): Senior-most regional position, managing operations across several regions and focusing on strategic initiatives.

LIC AAO Probation Period

The LIC AAO probation period is initially one year, extendable to two years, with continuous performance assessment, and requires a minimum service commitment of four years through a guarantee bond. Confirmation as a permanent employee occurs after successful completion of probation.

Candidates must sign a guarantee bond before joining, committing to serve LIC for a minimum of four years from the date of joining (including the probation period). If a candidate resigns before completing this period, they or their heirs will be liable to pay liquidated damages of Rs. 5,00,000 plus GST or an amount prescribed by LIC.

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