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 2025 is among the most important and crucial thing that attracts the aspirants to apply for the LIC AAO Recruitment. Individuals who are considering working with the Life Insurance Corporation of India as an Assistant Administrative Officer (AAO) might be curious to learn more about the LIC AAO Salary Structure, In Hand Salary, and comprehensive compensation structure. Every applicant or employee's first consideration when pursuing employment is their LIC AAO allowance.
LIC AAO Salary Structure 2025
The LIC AAO salary is made up of a number of components; in addition to your base pay, other things are added to your take-home income. LIC provides its staff with a competitive compensation package. The wage package also includes a number of additional benefits, including house rent allowance and dearness allowance. Find out more about the basic salary here. An overview of the pay structure is as given below:
- 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 Salary Structure 2025 |
| Basic Pay |
Rs. 53,600 |
| Special Allowance |
Rs. 4,500 |
| DA |
Rs. 32210 |
| HRA |
Rs. 5360 |
| Transport Allowance |
Rs. 1,960 |
| CCA |
Rs. 1608 |
| Gross Salary |
Rs. 99228 |
| Deduction (PF/Income Tax/Professional Tax/Pension) |
Rs. 10561 |
| Net Salary |
Rs. 88,667 |
LIC AAO Salary Deduction 2025
The 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 Deduction |
| Particulars |
Amount |
| NEW GI |
Rs. 137/- |
| Mediclaim |
Rs. 200/- |
| GIS |
Rs. 3,050/- |
| GTIS |
Rs. 241/- |
| DCPS |
Rs. 6,933/- |
| Total Deductions |
Rs. 10,561 |
LIC AAO Salary 2025 Perks and Allowances
The LIC AAO Perks and Allowances include several benefits and allowances that collectively increase the amount. The privileges and reimbursements, in addition to the well-known work description and the attractive pay scale, add to the appeal of the position. The list of benefits and compensation is included below.
House Rent Allowance (HRA)
The amount of the housing allowance varies by the location of the posting. It would amount to 9%, 8%, and 7% of the base compensation if the individuals were stationed in major cities.
City Compensatory Allowance (CCA)
This could be 4%, 3%, or even 0% of the LIC AAO Basic Pay, depending on the location of the assignment.
Dearness Allowance (DA)
Every three months, the Dearness Allowance is updated using the CPI (Consumer Price Index). The inflation rate and its variations have an impact on this. About 40% of the Basic Pay comes from this portion of the LIC AAO Payment. A LIC AAO will make a gross in-hand income of between Rs.58,000 and Rs.60,000 monthly.
- 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.
- 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 in accordance with 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.
- 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
The job description for LIC AAO is entirely dependent on the openings in the company. An Assistant Administrative Officer's duties at LIC include administrative activities. In essence, it is a desk job. The responsibilities of a LIC AAO include the accompanying:
- 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 025
As a LIC AAO officer, you will have many opportunities to advance your position. Most bank candidates desire higher-level officer positions. To be qualified for advancement to the rank of officer, all applicants who seek to advance from the position of LIC AAO officer must submit an application, show up for the test, and complete at least two years of service.
- Assistant Administrative Officer (AAO): Entry-level position responsible for administrative duties and management of specific departments.
- 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.
- Assistant Divisional Manager (ADM): The next step up, where you take on leadership duties within a division, guiding AOs and ensuring efficient operations.
- Divisional Manager (DM): Responsible for the overall performance and strategic planning of an entire division.
- Senior Divisional Manager (SDM): Oversees multiple divisions or a large geographic area, ensuring alignment with LIC’s policies and goals.
- 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.
