LIC AAO Exam Guide 2026
LIC AAO 2026 notification updates and complete exam guide. Check exam dates, vacancies, eligibility criteria, selection process, syllabus, and application details.
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📊 Post Details & Salary Structure
| Component | Amount (₹ / month) |
|---|---|
| Basic Pay | 88,635 |
| Dearness Allowance (DA) @15.38% | 13,635.39 |
| Cadre Special Allowance | 8,900 |
| House Rent Allowance (HRA) | 6,204.45 |
| Transport Allowance | 3,300 |
| Gross Total Income | 120,674.84 |
| Deductions | |
| - Income Tax | 10,200 |
| - New GI Scheme | 137.42 |
| - Professional Tax | 200 |
| - GIS Premium | 2,915 |
| Total Deductions | 13,452.42 |
| Net (In-hand) Salary | 107,222.42 |
📊 Allowances and Benefits Overview
| House Rent Allowances (HRA) | Usually provided to the employees to compensate with the cost of living, especially in metropolitan cities. It depends on the area of posting. In the case of big cities, The HRA will be 7%, 8%, 9% of the basic pay. |
|---|---|
| City Compensatory Allowances | The CCA is also dependent on the city of posting, it might be 3%, 4% or even 0% of the basic LIC AAO pay structure. |
| Dearness Allowance (DRA) | The DRA is revised every quarter, depending on the Consumer Price index. This usually gets affected with the rise or fall in inflation. The DRA figures are around 40% of the basic LIC AAO Pay. |
📊 Exam Information 3
| Deduction Type | Amount (₹ per month) |
|---|---|
| Income Tax | 10,200 |
| New GI Scheme | 137.42 |
| Professional Tax | 200 |
| GIS Premium | 2,915 |
| Total Deductions | 13,452.42 |
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❓ Frequently Asked Questions
Q1.What does LIC AAO stand for?
The LIC AAO full form is Life Insurance Corporation of India Administrative Assistant Officer.
Q2.What is the gross in-hand salary of a LIC AAO?
The gross in-hand salary of an LIC AAO is Rs 107,222/- per month after all deducations.
Q3.How are the candidates promoted after becoming an LIC AAO?
Candidates are promoted on the basis of their performance after serving at least 5 to 8 years in the post.
Q4.Is the LIC AAO exam conducted yearly?
No, the exam is conducted as per the needs of the corporation. The LIC AAO 2025 Exam has been announced, offering candidates with the opportunity of a revised pay structure.
Q5.What are the benefits that the LIC AAO receives?
An LIC AAO is entitled to major benefits like HRA, CCA, Gratuity, Cash Medical benefit, LTC, Group Mediclaim, Group Personal Assistant Insurance, Vehicle Loan (2 wheeler/4 wheeler), meal coupon, mobile handset, reimbursement towards the cost of briefcase/leather bags, the supply of daily and magazines, mobile expenses, etc, all as per rules.
Q6.Who earns more, LIC AAO or SBI PO?
LIC AAO clearly earns more. Their starting basic pay is ₹88,635—significantly higher than SBI PO's ₹41,960. As a result, LIC AAOs enjoy a higher gross and in‑hand salary than SBI POs.
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