The New India Assurance Company Ltd. has announced the NIACL Pay Revision 2026, bringing major changes to the NIACL salary structure, allowances, pension benefits, and medical benefits for officers. This revision applies to all Class I Officers, including Administrative Officers (AO).
The new revision increases the basic pay, allowances, retirement benefits, and overall NIACL AO salary, making it one of the most attractive government insurance jobs. This article explains the NIACL salary revision, eligibility, revised allowances, and overall impact on officer salary in simple terms.
Eligibility for NIACL Salary Revision 2026
The NIACL Pay Revision 2026 applies to Class I Officers working in different officer scales, from Administrative Officer (Scale I) to General Manager (Scale VII). This revision benefits both current officers and eligible former officers.
The following officers are eligible:
- Officers currently working in NIACL
- Officers who retired after the revision period
- Officers appointed after the revision was introduced
The following are not eligible:
- Officers who resigned before implementation
- Contractual employees not covered under officer pay scales
This ensures that only regular officers under the NIACL officer cadre receive the revised salary and benefits.
Components Included in NIACL Salary Revision
The NIACL salary structure revision includes changes in basic pay and multiple allowances. These components directly increase the total monthly salary and overall compensation of officers. The following salary components have been revised:
- 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
NIACL House Rent Allowance (HRA) Structure
House Rent Allowance is provided to officers to help cover accommodation expenses. The amount depends on the city of posting. This allowance helps officers manage housing costs, especially in metro cities. 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 |
NIACL City Compensatory Allowance (CCA)
City Compensatory Allowance is provided to officers posted in cities where the cost of living is higher. This allowance varies based on city classification. This ensures fair compensation for officers working in expensive cities. 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 | — |
NIACL Fixed Personal Allowance (FPA)
Fixed Personal Allowance is an important part of the NIACL salary structure. It is included in salary calculations and also affects retirement benefits. The revised FPA for officer scales 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 |
NIACL Transport Allowance
Transport Allowance is provided to officers to support daily travel expenses. This allowance is paid monthly along with salary.
Key details of Transport Allowance:
- Officers receive ₹3,300 per month
- Paid to all eligible officers
- Helps cover daily commuting expenses
NIACL Pension and Retirement Benefits Revision
The NIACL Pay Revision also improves retirement benefits by increasing pension and provident fund contributions. This ensures better financial security after retirement. 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 | Increased employer contribution |
NIACL Medical Benefits Revision
Medical benefits are provided to officers and their families to cover healthcare expenses. The revision increases the reimbursement limits. The revised medical benefits structure is given below:
| Basic Pay Level | Medical Benefit Limit |
| Lower Pay Level | ₹32,400 |
| Higher Pay Level | ₹48,500 |
Impact of NIACL Pay Revision 2026 on AO Salary
The NIACL AO salary after pay revision has increased significantly due to higher basic pay and revised allowances. This revision improves both monthly salary and retirement benefits.
Key benefits of NIACL salary revision:
- Higher Basic Pay
- Increase in NIACL AO in-hand salary
- Improved medical benefits
- Better pension and retirement benefits
- Increased total compensation
This makes the NIACL AO salary structure one of the best among government insurance jobs.
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