National Insurance Company Limited has introduced the NICL Pay Revision 2026, bringing important updates to the NICL salary structure, officer allowances, pension benefits, and medical facilities. This revision applies to all Class I Officers, including Administrative Officers (AO), across different scales.
With this update, officers will receive improved basic pay, revised allowances, enhanced retirement benefits, and better overall compensation. This makes the NICL AO salary more competitive and attractive among government insurance jobs. In this article, you will find complete details about the NICL salary revision, eligibility, revised allowances, and its impact on officer salary.
Eligibility for NICL Salary Revision 2026
The NICL Salary Revision 2026 applies to officers working under the Class I officer cadre. These officers belong to various scales, starting from Administrative Officer (Scale I) to General Manager (Scale VII).
The following officers are eligible for the revised salary structure:
- Officers currently employed in NICL under officer cadre
- Officers appointed under regular officer pay scales
- Officers eligible under the revised pay structure as per company rules
The following individuals are not covered:
- Officers who resigned before eligibility
- Contractual or temporary employees not under officer scales
This ensures that the salary revision benefits only officers working under the official NICL officer framework.
Components Included in NICL Salary Revision
The NICL salary revision includes multiple components that contribute to the overall salary of officers. These revisions improve both monthly earnings and long-term financial benefits. The revised salary structure includes:
- Basic Pay
- Dearness Allowance (DA)
- House Rent Allowance (HRA)
- City Compensatory Allowance (CCA)
- Transport Allowance
- Medical Benefits
- Pension and Provident Fund Contribution
- Fixed Personal Allowance
These components together increase the total NICL officer salary and improve overall compensation.
NICL House Rent Allowance (HRA) Structure
House Rent Allowance is provided to officers to support their accommodation expenses. The amount depends on the city category where the officer is posted. This allowance helps officers manage rental expenses based on their place of posting. The revised HRA structure is shown below:
| City Category | HRA Rate | Maximum Amount |
| Metro Cities | 10% of Pay | ₹13,000 |
| Large Cities | 8% of Pay | ₹11,000 |
| Other Cities | 7% of Pay | ₹10,500 |
NICL City Compensatory Allowance (CCA)
City Compensatory Allowance is provided to officers posted in cities with higher living costs. The allowance varies depending on the classification of the city. This allowance ensures officers receive additional support when posted in expensive locations. The revised CCA structure is given below:
| City Category | Rate | Maximum Amount |
| Metro Cities | 3% | ₹3,300 |
| A-Class Cities | 2.5% | ₹3,100 |
| B-Class Cities | 2% | ₹2,400 |
| Other Cities | Not Applicable | — |
NICL Fixed Personal Allowance (FPA)
Fixed Personal Allowance is an important part of the NICL officer salary. It is included in the total salary and also plays a role in retirement benefit calculations. This allowance increases the overall earnings of officers. The revised Fixed Personal Allowance is shown below:
| Officer Scale | Fixed Personal Allowance |
| Scale I | ₹4,390 |
| Scale II | ₹4,390 |
| Scale III | ₹5,785 |
| Scale IV | ₹5,785 |
| Scale V | ₹6,515 |
| Scale VI | ₹6,755 |
| Scale VII | ₹8,215 |
NICL Transport Allowance
Transport Allowance is provided to officers to support their daily travel expenses. This allowance is included in the monthly salary. This improves the NICL officer’s in-hand salary. Key details of Transport Allowance:
- Officers receive ₹3,300 per month
- Applicable to eligible officer scales
- Paid as part of monthly salary
NICL Pension and Retirement Benefits Revision
The salary revision also improves retirement-related benefits for NICL officers. This ensures better financial stability after retirement. These changes improve long-term financial security for officers. The revised contribution structure is shown below:
| Contribution Type | Employee Contribution | Employer Contribution |
| Provident Fund | Based on Basic Pay | As per rules |
| National Pension System | Based on Basic Pay + DA | Revised employer contribution |
NICL Medical Benefits Revision
Medical benefits are provided to support healthcare expenses for officers and their eligible family members. The revision enhances medical reimbursement limits. This ensures better healthcare support and financial protection. The revised medical benefit structure is given below:
| Basic Pay Level | Medical Benefit Limit |
| Lower Pay Level | ₹32,400 |
| Higher Pay Level | ₹48,500 |
Impact of NICL Pay Revision 2026 on AO Salary
The NICL AO salary after pay revision has improved due to increases in basic pay and revised allowances. This results in a higher monthly salary and improved retirement benefits. Key advantages of NICL salary revision:
- Increase in Basic Pay
- Higher NICL AO in-hand salary
- Improved medical benefits
- Better retirement and pension benefits
- Higher total salary and compensation
This revision makes the NICL AO salary structure more rewarding and competitive, strengthening its position among top government insurance officer jobs.
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