LIC ADO Salary 2025, In Hand Salary, Basic Pay, Perks and Allowances

The Life Insurance Corporation of India (LIC) offers an attractive salary package to Apprentice Development Officers (ADO), making it one of the most sought-after roles in the insurance sector. As per the latest structure, the initial basic pay for a LIC ADO is ₹35,650/- per month. Along with the basic pay, selected candidates are entitled to various allowances, perks, and performance-based incentives, which significantly enhance the overall salary. The in-hand salary reflects a healthy take-home amount after deductions and additions of applicable benefits. This article covers the detailed breakdown of LIC ADO Salary 2025, including in-hand pay, salary growth, and additional benefits.

LIC ADO Salary 2025

The salary structure of the LIC Apprentice Development Officer (ADO) is of interest to candidates aspiring to work at the Life Insurance Corporation of India. The LIC ADO is a prestigious position that offers attractive benefits and opportunities for career growth. As of 2025, LIC offers a competitive salary package for ADOs, including basic pay and various allowances and perks. Initially, LIC ADO in hand salary is between Rs. 50,000/- & Rs 56,000/-. Understanding the LIC ADO Salary 2025 is essential for the candidates to assess their financial benefits and career prospects.

LIC ADO Salary Structure 2025

The LIC ADO Salary Structure 2025 is designed to offer a steady growth path and financial stability to candidates joining as Apprentice Development Officers. The initial basic pay starts at ₹35,650/- and progresses with regular increments as per the pay scale. In addition to the basic pay, employees receive Dearness Allowance (DA), House Rent Allowance (HRA), City Compensatory Allowance (CCA), and other admissible benefits. This structured progression ensures not just financial growth but also long-term job satisfaction.

LIC ADO Salary 2025 Pay Scale

After getting appointed as a Probationary Development Officer, candidates will receive a basic pay of Rs. 35650/- per month (except for LIC Employee Category candidates) in the pay scale of 35650-2200(2)-40050-2595(2)-45240-2645 (17)-90205. The net salary includes the House Rent Allowance and City Compensatory Allowance depending upon the classification of the city. In an ‘A’ Class City the net in-hand salary received by an employee will be approximately ₹ 56000/-.

LIC ADO Salary Allowances

Candidates can check the LIC ADO Salary Allowance in the following table.

Other than allowances some other benefits received by an LIC ADO are listed below:

• Reward
• Defined Contributory Pension Scheme
• LTC (Leave Travel Concession)
• Medical Benefit
• Group Insurance
• Group Personal Accident Insurance
• Vehicle Advance (2-wheeler/4-wheeler)
• Reimbursement Towards the Cost of briefcase/leather bag
• Mobile Handset
• Supply of Dailies as per Rules and on Confirmation in Service
• Incentives on outstanding performance

LIC ADO Salary Career Growth

The candidates joining as Apprentice Development Officers (ADO) in the LIC have a huge prospect of career growth. Aspirants joining as ADO have very high chances of getting promoted to Regional Manager by qualifying the departmental examinations conducted by LIC. The hierarchy of career growth of ADO is mentioned below.

• Apprentice Development Officer
• Probationary Development Officer
• Development Officer
• Assistant Branch Officer
• Branch Officer
• Senior Branch Officer
• Assistant Divisional Officer
• Divisional Officer
• Senior Divisional Manager
• Regional Manager

LIC ADO Salary 2025 Job Profile

The job of LIC ADO is mainly focused on sales administration. LIC ADO has to recruit the LIC Agents and train them properly. LIC ADO will have to keep a look at the work profile of the agent and make sure that they sell life insurance to a maximum number of people. During the Apprentice Period, the Apprentice Development Officer(ADO) will have to experience Theoretical as well as Field Sales Training. The Apprentice Period of LIC ADO will start from the day their training begins and during this period, they will have to experience Theoretical as well as Field Sales Training. The LIC ADO will have to undergo a Probation period of one year or more that will be followed by the Apprentice Period. The responsibilities in the Probation period will be the same as that of the appointed ADO.