UIIC AO Salary 2026 revised — basic pay ₹82,485, gross ₹1,10,000/month. Full pay scale, in-hand salary, DA, HRA, allowances & perks from the official notice.
United India Insurance Company has revised the Administrative Officer (Scale I) pay scale for the 2026 recruitment cycle. The basic pay now starts at ₹82,485 per month, up from ₹50,925 in the 2024 cycle — an increase of roughly 62%. The notification states that the approximate gross pay is ₹1,10,000 per month at metropolitan centres, compared with ₹88,000 in the previous cycle.
UIIC AO Salary 2026 at a glance
The full revised scale is: ₹82,485 – 4,050 (14) – ₹1,39,185 – 4,390 (4) – ₹1,56,745
Everything below unpacks what that string means, what lands in your bank account, and what the notification does and does not promise.
| Particular | Details (2026 cycle) |
|---|---|
| Post | Administrative Officer (Scale I) |
| Starting basic pay | ₹82,485 per month |
| Pay scale | 82485-4050(14)-139185-4390(4)-156745 |
| Maximum basic in scale | ₹1,56,745 per month |
| Approx. gross (metro) | ₹1,10,000 per month |
| Annual increment (first 14 years) | ₹4,050 |
| Annual increment (next 4 years) | ₹4,390 |
| Probation | 1 year, extendable |
| Service bond | 5 years (including probation) |
| Pension | National Pension System (NPS) |
| Vacancies 2026 | 225 (200 Generalists + 25 Hindi Officers) |
Source: UIIC Administrative Officer Recruitment 2026 Notification
What the revised pay scale actually means
Public sector pay scales are written in a compressed notation that confuses first-time applicants. Here is the 2026 UIIC AO scale decoded:
₹82,485 – 4,050 (14) – ₹1,39,185 – 4,390 (4) – ₹1,56,745
- You join at a basic pay of ₹82,485.
- You receive 14 annual increments of ₹4,050 each, taking basic pay to ₹1,39,185.
- You then receive 4 annual increments of ₹4,390 each, taking basic pay to the scale ceiling of ₹1,56,745.
- That is 18 increments across 18 years within Scale I alone — before any promotion.
Basic pay progression inside Scale I
| Year of service | Basic pay (₹/month) |
|---|---|
| Year 1 (on joining) | 82,485 |
| Year 3 | 90,585 |
| Year 5 | 98,685 |
| Year 8 | 1,10,835 |
| Year 10 | 1,18,935 |
| Year 15 | 1,39,185 |
| Year 19 (scale ceiling) | 1,56,745 |
Basic pay only — DA and allowances are additional and rise alongside it. Figures derived arithmetically from the scale published in the official notification.
In practice most officers do not sit in Scale I for 18 years. Promotion to Scale II (Assistant Manager) moves you into a higher scale entirely, so the ceiling above is a theoretical maximum rather than a typical career path.
UIIC AO Salary 2026 vs 2024: what changed
This is the single biggest reason the 2026 notification is drawing attention. The revision flows from the Public Sector General Insurance wage revision notified in the Gazette in February 2026, effective retrospectively from 1 August 2022, which introduced fresh pay scales for officers across all six PSGICs — National Insurance, New India Assurance, Oriental Insurance, United India Insurance, GIC Re and AIC.
| Component | 2024 notification | 2026 notification | Change |
|---|---|---|---|
| Starting basic | ₹50,925 | ₹82,485 | +₹31,560 (+62%) |
| Scale ceiling | ₹96,765 | ₹1,56,745 | +₹59,980 (+62%) |
| Annual increment (first stage) | ₹2,500 | ₹4,050 | +62% |
| Annual increment (second stage) | ₹2,710 | ₹4,390 | +62% |
| Approx. gross at metro | ₹88,000 | ₹1,10,000 | +₹22,000 (+25%) |
Why basic rose 62% but gross rose only 25%
This trips up a lot of candidates, so it is worth stating plainly.
The wage revision worked by merging accumulated Dearness Allowance into basic pay and then applying a hike on top of the merged figure. Reported terms of the settlement include DA neutralisation as on 31 July 2022 followed by a 14% increase on the neutralised pay.
The practical effect: a large chunk of what used to be paid as DA is now paid as basic. Your DA counter was effectively reset and has been rebuilding since. So the headline basic jumped enormously, while the total money in hand rose by a more modest — though still very real — 25%.
Why this still matters a great deal: basic pay is the base for DA, HRA, CCA, gratuity, leave encashment and NPS contributions. A permanently higher basic compounds across your entire career and into retirement. A 62% higher basic is worth far more over 30 years than a one-off 25% cash bump suggests.
Salary components explained
The notification lists what an AO receives but does not publish component-wise percentages. Here is each element, with the source clearly flagged.
1. Basic pay — ₹82,485
Officially confirmed in the notification. Fixed at the first stage of the scale on joining.
2. Dearness Allowance (DA)
DA in public sector general insurance is not the same as central government DA. It does not follow the 7th CPC percentage you see quoted in the news.
PSGIC DA is linked to the All India Consumer Price Index for Industrial Workers on the 1960=100 base, revised quarterly rather than half-yearly, and calculated as a small percentage of basic pay for every set number of index points above a defined base index. Under the revised scales the settlement provides for 100% DA neutralisation.
Because DA was neutralised at the point of revision and has been accruing only since, the DA component sitting on top of the new basic is currently modest relative to what officers on the old scale were drawing — and it will climb every quarter.
Note on accuracy: UIIC does not publish the DA percentage in its recruitment notification, and DA changes four times a year. Treat any fixed DA figure you see on an exam website as an estimate valid only for the quarter it was written in.
3. House Rent Allowance (HRA)
Payable where company or leased accommodation is not availed. Under the revised structure HRA for PSGIC officers is reported to fall in the range of roughly 7% to 10% of pay depending on city classification, with metro postings at the top of the band and smaller centres at the lower end.
Note that UIIC also offers leased accommodation as per company rules — for many officers, particularly at metro postings, opting for leased accommodation is worth considerably more than drawing HRA in cash.
4. City Compensatory Allowance (CCA)
Paid for postings in higher-cost cities, reported at roughly 2% to 3% of pay under the revised structure, subject to city classification and ceilings.
5. Transport and other allowances
The revision restructured functional and conveyance allowances for PSGIC officers. Specific entitlements are governed by internal company rules rather than the recruitment notification.
6. Employer NPS contribution — 14%
Under the revised terms, the employer’s contribution to the National Pension System has been raised from 10% to 14% of basic plus DA. This does not appear in your monthly credit but is real compensation — on a basic of ₹82,485, 14% is a substantial monthly addition to your retirement corpus.
Also Read: NTPC Executive Trainee Recruitment Through GATE 2027 – Advt No. 11/26 Official Notice
UIIC AO in-hand salary 2026 (estimated)
The only officially stated figure is gross pay of approximately ₹1,10,000 per month at metropolitan centres. The breakdown below is our reconstruction of how that figure is likely composed, and is presented as an estimate, not as a UIIC-published table.
Illustrative monthly breakdown — metro posting
| Component | Amount (₹) | Basis |
|---|---|---|
| Basic pay | 82,485 | Official |
| Dearness Allowance | ~16,000–17,000 | Estimated (quarterly variable) |
| HRA (10% of pay, metro) | ~8,250 | Estimated from reported band |
| CCA + other allowances | ~2,500–3,500 | Estimated from reported band |
| Gross (approx.) | ~1,10,000 | Official figure |
Estimated deductions
| Deduction | Approx. amount (₹) |
|---|---|
| NPS — employee share (10% of Basic + DA) | ~9,800 |
| Professional tax (state-dependent) | 0–250 |
| Income tax (TDS) | Varies with regime and declarations |
So what actually reaches your account?
Before income tax, a new UIIC AO at a metro posting can expect roughly ₹99,000–₹1,00,000 per month. After TDS, the realistic take-home for most new officers lands in the ₹88,000–₹96,000 range, depending on tax regime, investment declarations and posting city.
At non-metro postings, gross will be somewhat lower because HRA and CCA are tied to city classification, while basic and DA remain identical.
How to read this section: we have shown our working rather than presenting a single confident number, because component percentages are governed by internal company circulars that UIIC does not publish with the recruitment notification. Any website quoting an exact in-hand figure to the rupee is estimating, whether or not it says so.
Perks and benefits beyond salary
Clause 23 of the notification lists the following, in addition to basic pay and admissible allowances:
- Gratuity
- Leave Travel Subsidy (LTS)
- Medical benefits
- Group Personal Accident Insurance
- National Pension System (NPS)
- Leased accommodation, as per company rules
One change worth noticing
The 2024 notification listed Performance Linked Incentive (PLI) among the benefits. The 2026 notification does not. Whether this reflects a change in policy or simply a change in drafting is not clarified in the document, and candidates who are counting on a variable pay component should not assume one. This is the kind of detail that gets glossed over in most exam coverage — it is a direct omission between two consecutive official notifications.
Salary during probation, and the conditions attached
Three things materially affect your first five years, and all three are spelt out in the notification.
Probation — one year. Selected candidates are appointed on probation for one year, extendable at the Company’s discretion. The Company may terminate service during probation if the candidate is found unsuitable, without notice.
Licentiate Examination — mandatory. During probation, officers must pass the non-life Licentiate Examination conducted by the Insurance Institute of India. Confirmation of service only follows this. Failure to pass within the extended probation period makes the officer liable to termination.
Service bond — five years, ₹35,000 plus salary recovery. Before joining, selected candidates must undertake to serve the Company for a minimum of five years including probation. Resigning before the bond expires attracts liquidated damages equal to the actual gross salary paid, capped at one year’s gross salary, plus ₹35,000 towards onboarding and integration cost. If you resign after completing one year but before five, damages are reduced proportionately to service rendered.
Posting. The notification states vacancies are substantially in the Western and Southern Zones, with an initial posting of minimum five years and no transfer requests entertained during that period.
How UIIC AO salary compares within the sector
Because the February 2026 wage revision applies uniformly across all Public Sector General Insurance Companies, the Scale I pay scale is the same across:
- United India Insurance Company (UIIC)
- New India Assurance (NIACL)
- National Insurance Company (NICL)
- Oriental Insurance Company (OICL)
- General Insurance Corporation of India (GIC Re)
- Agriculture Insurance Company of India (AIC)
An AO Scale I at any of these six starts at ₹82,485 basic. Differences in take-home across companies come from posting city, accommodation policy and internal allowance circulars — not from the pay scale itself.
Against private sector entry-level insurance roles, the comparison is less about headline cash and more about the total package: leased accommodation, medical cover, a 14% employer NPS contribution, and permanent tenure carry real economic value that a CTC figure alone understates.
Frequently asked questions
What is the UIIC AO salary in 2026?
The revised basic pay is ₹82,485 per month. The notification states approximate gross pay of ₹1,10,000 per month at metropolitan centres.
What is the UIIC AO in-hand salary per month?
UIIC does not publish a net figure. Based on the stated ₹1,10,000 gross and standard deductions, in-hand before income tax works out to roughly ₹99,000–₹1,00,000, and typically ₹88,000–₹96,000 after TDS, depending on posting city and tax regime.
What is the revised UIIC AO pay scale?
₹82,485-4050(14)-₹1,39,185-4390(4)-₹1,56,745. Fourteen annual increments of ₹4,050, then four of ₹4,390.
Has the UIIC AO salary increased in 2026?
Yes. Starting basic rose from ₹50,925 to ₹82,485 (about 62%) and stated gross from ₹88,000 to ₹1,10,000 (25%), following the PSGIC wage revision notified in February 2026 with retrospective effect from 1 August 2022.
Is the UIIC AO salary the same as NIACL or NICL AO salary?
The pay scale is identical across all six public sector general insurance companies. Take-home varies by posting city and accommodation choice, not by employer.
Does a UIIC AO get a pension? UIIC AOs are covered under the National Pension System. The employer contribution under the revised terms is 14% of basic plus DA.
Is there a bond for UIIC AO?
Yes — five years including probation. Early resignation attracts liquidated damages up to one year’s gross salary, plus ₹35,000.
Do UIIC AOs get performance-linked incentive?
The 2024 notification listed PLI among benefits; the 2026 notification does not. Candidates should not assume a variable pay component.
Is a Licentiate exam required?
Yes. Officers must pass the non-life Licentiate Examination of the Insurance Institute of India during probation before confirmation of service.
Sources and methodology
This article is built primarily on the official UIIC recruitment notification, Ref: HO:HRM:REC:AO:1:2026, dated 07.09.2026, cross-checked line by line against the previous notification dated 14.10.2024 to identify what changed.
- Pay scale, gross pay figure, probation terms, bond terms and listed benefits are quoted directly from Clauses 21, 22 and 23 of the 2026 notification.
- The year-by-year increment table is derived arithmetically from the published scale.
- Wage revision context (retrospective effect, DA neutralisation, 14% NPS employer contribution) is drawn from reporting on the PSGIC wage revision gazette notification of February 2026.
- HRA, CCA and DA percentages are not published in the recruitment notification and are described here in ranges, flagged as estimates.
Where a figure is official, we have said so. Where it is estimated, we have said that too, and shown the working.
Verify before you rely on this. Salary components in public sector undertakings are governed by internal circulars and periodic DA revisions that change without public announcement. Always check the Recruitment section of uiic.co.in for the current notification and any corrigendum.