LIC AAO (Assistant Administrative Officer, Generalist)
What is the LIC Assistant Administrative Officer (Generalist) post, who can apply, how does the three-stage selection work, what does it pay, and what marks did the last batch need?
An Assistant Administrative Officer (AAO) is an entry-level officer at the Life Insurance Corporation of India (LIC). The Generalist post is open to graduates of any discipline aged 21 to 30. Selection runs in three stages: an online preliminary exam, an online main exam with a typed English paper, and an interview, followed by a pre-recruitment medical exam. Only the main exam and the interview count for the final merit list. This page follows LIC's notice for the AAO (Generalist) 32nd Batch, notified on 16 August 2025, and the cut-offs LIC published for that batch.
This page may be out of date. It was due for a re-check on 31 March 2027. Confirm every rule with the official source before acting on it.
Applications for the 32nd Batch closed on 8 September 2025 and LIC has published the list of candidates found eligible after the pre-recruitment medical exam. No newer AAO notice was on licindia.in on 31 October 2026; a new batch will come with its own notice and dates.
Exam at a glance
- Conducted by
- Life Insurance Corporation of India (LIC), Central Office, Mumbai; applications through licindia.in > Careers[1]
- Vacancies (32nd Batch)
- 350 AAO (Generalist) posts: SC 51, ST 28, OBC 91, EWS 38, UR 142, including 9 backlog posts[1]
- Education
- A bachelor's degree in any discipline from a recognised Indian university or institution, with the result declared by the eligibility date (1 August 2025 for this batch)[1]
- Age limit
- 21 to 30 years on 1 August 2025, so born between 2 August 1995 and 1 August 2004, both days included[1]
- Selection
- Online prelims, online mains (objective + typed English descriptive), interview, then a pre-recruitment medical exam. Final merit = mains + interview.[1]
- Application fee
- Rs 700 plus transaction charges and GST; Rs 85 plus charges and GST for SC, ST and PwBD candidates[1]
- Pay at joining
- Basic pay Rs 88,635 a month; LIC puts total pay at the start of the scale at about Rs 1,26,000 a month in an 'A' class city[1]
- Status
- The 32nd Batch is at its last stage: LIC has published the list of candidates found eligible after the pre-recruitment medical exam. No new AAO notice was on LIC's careers page when we checked.[3]
LIC AAO (Generalist) 32nd Batch, in order
| Category | Relaxation |
|---|---|
| SC and ST | 5 years |
| OBC | 3 years |
| PwBD (General) | 10 years |
| PwBD (OBC) | 13 years |
| PwBD (SC or ST) | 15 years |
| Ex-servicemen and commissioned officers incl. ECO/SSCO (General) | 5 years |
| Ex-servicemen and commissioned officers incl. ECO/SSCO (OBC) | 8 years |
| Ex-servicemen and commissioned officers incl. ECO/SSCO (SC or ST) | 10 years |
| Confirmed LIC employees | A further 5 years |
The base band is 21 to 30 on 1 August 2025. The ex-servicemen relaxation applies to those with 5 years of military service released as the notice describes. Certificates for any relaxation are checked at the interview.[1]
| Section | Questions | Marks | Time | Minimum to pass (SC/ST/PwBD; others) |
|---|---|---|---|---|
| Reasoning Ability | 35 | 35 marks | 20 minutes | 16; 18 marks |
| Quantitative Aptitude | 35 | 35 marks | 20 minutes | 16; 18 marks |
| English Language (qualifying only) | 30 | 30 marks | 20 minutes | 9; 10 marks |
English marks are not counted for ranking, so the prelims ranking is out of 70. About 20 times the vacancies in each category go on to the mains. Prelims marks are not added to the final merit list.[1]
| Section | Questions | Marks | Time | Minimum to pass (SC/ST/PwBD; others) |
|---|---|---|---|---|
| Reasoning Ability | 30 | 90 marks | 40 minutes | 40; 45 marks |
| General Knowledge, Current Affairs | 30 | 60 marks | 20 minutes | 27; 30 marks |
| Data Analysis and Interpretation | 30 | 90 marks | 40 minutes | 40; 45 marks |
| Insurance and Financial Market Awareness | 30 | 60 marks | 20 minutes | 27; 30 marks |
| English Language descriptive (typed: emails, reports, situation analysis, precis; qualifying only) | 2 | 25 marks | 30 minutes | 9; 10 marks |
The descriptive paper is checked only for candidates who clear the objective part, and its marks do not count for ranking. About three times the vacancies are called for interview, by category rank.[1]
| Category | Prelims (out of 70) | Mains (out of 300) | Mains + interview |
|---|---|---|---|
| UR | 58 marks | 232 marks | 294 marks |
| EWS | 54 marks | 220 marks | 288 marks |
| OBC | 55 marks | 221 marks | 285 marks |
| SC | 51 marks | 205 marks | 271 marks |
| ST | 46 marks | 189 marks | 260 marks |
Prelims were held on 3 and 7 October 2025 and the mains on 8 November 2025. LIC's sheet also lists separate cut-offs for each PwBD group and the section-wise cut-offs. The notice does not print the interview's maximum marks, so we do not split the last column.[2]
AAO is LIC's entry grade for officers. The posts are regular, and LIC can post or transfer you anywhere in India.
Most of the vacancies are in mofussil (small-town) branches, the notice says. After training, selected candidates serve at least five years in mofussil branches outside their home zone, and requests for a particular place are not entertained.
You start on a one-year probation, which LIC can stretch to two years. Before joining, you also sign an undertaking to serve LIC for at least four years from joining. Leaving earlier makes you liable to pay Rs 5,00,000 as liquidated damages, backed by a stamped and notarised indemnity deed.[1]
Any graduate can apply for the Generalist post. The degree must be from a university or institute recognised by the Government of India or an approved regulator, and LIC does not accept 'equivalent' qualifications. Your result must be out by the eligibility date (1 August 2025 for the 32nd Batch); the date on your mark sheet or provisional certificate is what counts.
The age band is 21 to 30 on the same date. For the 32nd Batch that meant a date of birth from 2 August 1995 to 1 August 2004. The relaxation table above adds years for reserved categories, PwBD candidates, ex-servicemen and confirmed LIC employees.
You may apply for only one of the posts notified together (AAO Generalist, the AAO Specialist posts and Assistant Engineer). If you register more than once, LIC keeps the latest complete application and the other fees are forfeited.[1]
The prelims are a one-hour screening test with three timed sections. You must clear every section on its own, and there is no negative marking. LIC then takes about 20 candidates per vacancy in each category to the mains.
The mains have four objective sections worth 300 marks, followed straight away by a 25-mark English paper that you type on the computer. Again there is no negative marking, and each section has its own pass mark. The insurance and financial-market section covers ground a general degree may not.
Interview calls go to about three candidates per vacancy. Your final rank is your mains score plus your interview score. When two candidates tie, LIC places the one with the higher postgraduate qualification first and then the older candidate. A pre-recruitment medical exam comes last.[1]
The basic pay is Rs 88,635 a month in the scale Rs 88,635 - 4,385 (14) - 1,50,025 - 4,750 (4) - 1,69,025. With house rent and city compensatory allowances, LIC puts the total at the start of the scale at about Rs 1,26,000 a month in an 'A' class city. Smaller cities pay less because those allowances depend on the city class.
The notice also lists the defined contributory pension, gratuity, LTC, group medical and accident cover, and allowances for passing Insurance Institute of India and actuarial exams, all as per LIC's rules.[1]
Tips and tricks
- Give the insurance and financial-market section real time. It carries 60 of the 300 mains marks and has its own pass mark.[1]
- Practise typing short emails and precis on a computer. The English descriptive paper is typed, not handwritten, and you must pass it even though it does not add to your rank.[1]
- Keep your final-year result date handy. LIC goes by the date printed on the mark sheet or provisional certificate, and it must fall on or before the eligibility date.[1]
- Do not register twice for the posts notified together. LIC keeps only your latest complete application and forfeits the fee on the others.[1]
Questions people ask
What is the age limit for LIC AAO?
21 to 30 years on the eligibility date. For the 32nd Batch that was 1 August 2025, so candidates born from 2 August 1995 to 1 August 2004 could apply. SC and ST get 5 more years, OBC 3, and PwBD 10 to 15 depending on category.[1]
Is there negative marking in the LIC AAO exam?
No. LIC's notice says there are no negative marks in either the preliminary or the main exam. You do have to clear every section separately.[1]
Do prelims marks count in the LIC AAO final merit list?
No. Prelims only decide who goes to the mains. The final merit list adds your main exam score and your interview score.[1]
What is the salary of an LIC AAO?
The basic pay at joining is Rs 88,635 a month. LIC says total pay at the start of the scale, with allowances, is about Rs 1,26,000 a month in an 'A' class city.[1]
What were the LIC AAO 2025 cut-offs?
For the 32nd Batch, LIC's sheet shows an unreserved cut-off of 58 out of 70 in the prelims, 232 out of 300 in the mains, and 294 on mains plus interview. The other categories are in the table on this page.[2]
Can I choose my LIC AAO posting?
No. The notice says posting requests are not entertained, most vacancies are in mofussil branches, and after training you serve at least five years in mofussil branches outside your home zone.[1]
Connected pages
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Official and partner links
- Official bodyLIC of India careers page (official)
Sources
- Recruitment of Assistant Administrative Officers (AAO) Generalist-32nd Batch, notified 16.08.2025, Life Insurance Corporation of India, Central Office, Mumbai. paras 1-9 (pp. 1-5 of 15). Accessed 31 October 2026.
- Cut-offs for AAO Generalist-2025 (Recruitment of AAO (Generalist)-32nd Batch), Life Insurance Corporation of India. single page: prelims, mains and mains + interview totals. Accessed 31 October 2026.
- Recruitment of AAO (Generalists/Specialists) and Assistant Engineers 2025: notices page, Life Insurance Corporation of India. list of candidates found eligible after the pre-recruitment medical exam, AAO (Generalist) 32nd Batch. Accessed 31 October 2026.
Found an error or a newer rule? Tell us through the corrections page. Updated 31 October 2026.