• Written By Varsha
  • Last Modified 26-09-2023

Indian Navy Salary 2022: Check Post Wise In-hand Salary


Indian Navy Salary 2022: The Indian Navy has attractive job profiles that almost every Indian dreams of. It is not just the job profile that is attractive but the Indian Navy provides lucrative salaries, benefits, and perks which is why there is a large number of applicants every year for the entrance exam. Officers in the Indian Navy receive different benefits and perks depending on their post and rank.

This article has provided merchant navy salary in India, Indian navy MR salary, Indian navy sailor salary, Indian navy SSR. In this article, we have discussed merchant navy salaries in India, Indian navy MR salaries, sailor salaries, SSR salaries, and more along with perks and benefits of different ranks. The salary and benefits of the Indian Navy are enough to motivate candidates to prepare well and work hard to clear the entrance exam. Moreover, this article has also provided the promotional criteria for the Indian Navy. Read on to know more about the Indian Navy salary 2022.

Indian Navy Salary 2022: Overview

Before getting into the details of the Indian Navy Salary, let us have an overview of the list of posts through which candidates can join the Indian Navy:

  1. Indian Navy Officer
  2. Indian Navy Sailor

Indian Navy Salary For Officers

The Indian Navy salary structure or pay scale for Officers along with their rank are tabulated below:

Indian Navy Officer Pay Scale

Rank & Level Pay Scale (in Rs.)Military Service Pay (MSP)
Sub Lieutenant – 1056100-17750015500
Lieutenant – 10B61300-19390015500
Lieutenant Commander – 1169400-20720015500
Commander – 12A121200-21240015500
Capitan – 13130600-21590015500
Commodore  – 13A139600-21760015500
Rear Admiral – 14144200-218200NA
Vice Admiral – 15182200-224100NA
Vice Admiral & Equivalent – 16205400-224400NA
DGAFMS – 17225000NA
VCNS / C-IN-C/ Equivalent  – 17225000NA
CNS / Equivalent  – 18250000NA

Indian Navy Officer Allowances

AllowancesGranted ToNAVY Salary Per Month 2022 in India(in Rs.)
FlyingQualified Pilot / Observer25000 / pm
SubmarineQualified Submariner25000 / pm
MarcosQualified as Marcos (Marcos commando salary)25000 / pm
Diving QualifiedShip Diver900 / pm
Sea GoingAll Naval Officers serving Onboard Ships (Sailing only)10500 / pm (This allowance is granted on a pro-rata basis, on condition that the sea vessels should be deployed for a minimum of 4 hrs in a day)
TechnicalTechnical Officers3000 – 4500 / pm depending on courses qualified
InstructructionalAll officers posted as InstructorNot yet notified
Hard AreaAll Officers posted in Hard Area as declared by Govt.20% of Basic Pay
UniformAll OfficersNot yet notified
House RentOfficers who are not provided with Govt. Accommodations are eligible for this24%, 16%, 8% of Basic Pay
TransportAll Officers7200/ 3600 (+DA thereon)

Indian Navy Officer Salary Benefits

Apart from salary and job security, the officers will enjoy various allowances. The list of benefits and allowances enjoyed by the Indian Navy Officer are tabulated below:

Insurance Policy

The Indian Navy provides all its serving officers with the following life insurance coverage at a very minimal monthly premium.

  1. Pilot/ Observer/ Submariner: 57 Lakhs
  2. All other officers: 50 Lakhs

The below table provides the complete detail on Life Insurance benefits for Indian Navy officers.

SchemesContributionSaving ElementInsurance Cover
General Group Insurance5000/-4365/-50 Lac
Addl GIS for Aviators/MCs875/- to 1140/- (depending on the cadre)821/-07 lac
Addl GIS for Submariners825/-756/-07 lac

Leave Concession

Indian Navy Officers can relish sufficient leave time. Indian Navy Officers are allowed to take 60 days of annual leave and 20 days of casual leave. Officers can also save 30 days of leave in a year which they can encash at the time of retirement. The accumulation of leaves has a limit that is specified periodically.

Travel Concession

The Indian Navy Officers and their family members are allowed to travelly by railways/ airways on leave once a year. Six travel concession forms are also given to each officer for performing the journey by train.

Officer Retirement Policy

All Permanent Commission Officers would receive financial support even after they retire, through a pension. In the unfortunate event of an Officer’s death, his spouse continues to receive the pension. The medical coverage will also continue to the spouse throughout the life. All Short Service Officers will receive a reward at the time of retirement.

Indian Navy Sailor Salary

The Indian Navy salary structure or pay scale for sailors are tabulated below:

Indian Navy Sailor Pay Scale

All the Indian sailors have been divided into two groups namely ‘X’ and ‘Y’. Artificer Apprentices fall under the ‘X’ group and the rest of the sailors in the group ‘Y’. The detailed Indian Navy Sailor Pay Scale for both the groups are given below:


RANKPAY BANDPay in Pay Band (Rs.)Grade Pay (Rs.)MSP (Rs.)X Group Pay (Rs.)
ApprenticePB-15200 – 20200200020001400
Artificer VPB-15200 – 20200240020001400
Artificer IVPB-15200 – 20200280020001400
Art III – IPB-29300-34800340020001400
Chief/ ArtPB-29300-34800420020001400
MCPO IIPB-29300-34800460020001400
MCPO IPB-29300-34800480020001400


RANKPAY BANDPay in Pay Band (Rs.)Grade Pay(Rs.)MSP(Rs.)
Seaman IIPB-15200 – 2020020002000
Seaman IPB-15200 – 2020024002000
Leading SeamanPB-15200 – 2020028002000
Petty OfficerPB-15200 – 2020028002000
Chief Petty OfficerPB-29300-3480042002000
MCPO IIPB-29300-3480046002000
MCPO IPB-29300-3480048002000

Sailor Salary During Training

All sailors will receive a stipend during their training period at the rate of Rs. 5700 per month. The rate of the stipend will be increased by 50% every time the DA payable on the revised pay band goes up by 50%.

Indian Navy Sailor Salary: Benefits

Apart from the Indian Navy Salary and job security, the sailors will enjoy various benefits and allowances. The list of allowances enjoyed by Indian sailors is tabulated below:

Indian Navy Sailor Allowances

AllowancesGranted ToIndian Navy Salary Per Month 2022 (On the basis of Rank)
InstructionalDeputed as Instructor at Training Establishments/ institutes listed in Govt. letter900-1500
SubmarineQualified Submariner10500-12600
FlyingQualified Aircrew10500-12600
Marine CommandoQualified as MARCO10500-12600
DivingShips Diver, Clearance Diver I, II & III600-900
Sea DutySailors serving onboard ships
(While sailing only)
Hard AreaSailors posted in Nicobar and Lakshadweep Group of Islands25% of Pay in
Pay Band+ GP+ MSP
CILQMarried sailors not allotted Govt. Married Accommodation2400-8100 (On the basis
of Classification of Cities &
TransportAll Sailors(400-1600) + DA

Sailor Salary: Other Benefits

The list of benefits enjoyed by an Indian Navy Sailor is listed below:

Life Insurance Schemes

The Naval Group Insurance Scheme originated in the form of the Officers and Sailors Welfare Assistance Scheme in April 1969. In addition, payment of reasonable survival benefits to the members on retiring from service will help them in providing financial security. The details of monthly contribution, Saving element and insurance cover for the scheme and Additional Schemes for sailors are as below:-

SchemesContributionSaving ElementInsurance Cover
General Group Insurance2500/-2245/-25 Lac
Addl GIS for Aviators/MCs580/-438/-3.5 lac
Addl GIS for Submariners525/-493/-3.5 lac

Travelling Policy

Sailors and their families are allowed to travel in railway travel on leave every year.

Sailor Retirement Policy

  1. A sailor has to serve up to a minimum of 15 years to be eligible for a service pension and other post-retirement benefits.
  2. Before retirement, sailors are provided with many job-oriented courses and requisite training for available jobs. There is a dedicated organisation (Directorate General, Resettlement (DGR) at RK Puram, New Delhi) that looks after resettlement prospects of all retired personnel.

Honorary Commissioned Officers – Promotion

In case of promotion to Honorary Commissioned rank, one additional increment will be given as in all other cases unless this amount is less than Rs. 15,600 i.e. minimum of PB-3, the pay will be moved up to Rs. 15,600. In addition, Grade Pay and MSP will be admissible

RankPay BandPay in Pay Band(Rs.)Grade Pay(Rs.)MSP(Rs.)
Hon Sub LieutenantPB-315600 – 3910054006000
Hon LieutenantPB-315600 – 3910061006000

Note: On being awarded Honorary Commissioned, these officers can claim Rs. 10000/- towards outfit allowances on a contingent bill from ship’s imprest.

Responsibilities of Indian Navy Officer

The job’s primary goal is to protect the country’s marine boundaries. They are in charge of maintaining the country’s territorial integrity, deterring conflict and foreign intrusions, conducting surveillance, and protecting the country’s coastlines. Thus the officers are trained in following aspects.

  1. Navigation: The warship must be navigated by Indian naval personnel utilising a variety of satellite and radar systems and equipment.
  2. Coordination and verification: They are in charge of checking weather and navigation information and taking necessary action, as well as coordinating secure cargo loading, storage, and unloading.
  3. Management: Indian naval officers are also in charge of the care and safety of the ship’s equipment and crew, as well as the management of ship communication systems and the maintenance of legal and operational documents like the ship’s log.
  4. Supervision: They manage the operation and maintenance of deck machinery such as winches and cranes, as well as the monitoring and maintenance of safety, firefighting, and life-saving equipment. They also supervise the ship to ensure that the highest levels of health and safety are maintained.
  5. Work with equipment: Officers must also run and maintain the ship’s mechanical and electrical equipment, handle power generation and distribution systems, as well as refrigeration, ventilation, and pumping systems, and carry out routine equipment inspections and maintenance.

FAQs on Indian Navy Salary 2022

Here, we have enlisted some of the frequently asked questions related to the Indian Navy Salary 2022. Candidates must go through these questions and answers to clear out their doubts regarding the same.

Q.1: What is the stipend for a sailor in training in the Indian Navy?
The stipend of a sailor during the training is Rs. 5700/-.
Q.2: What is the pay scale of a Lieutenant in the Indian Navy?
The pay scale of a Lieutenant at the Indian Navy is Rs.61300-193900 along with Rs.15500 Military Service Pay.
Q.3: Do the Indian Navy officers have HRA?
Yes, only the officers who are not in Govt. Accommodation will be eligible for HRA.
Q.4: What is the insurance cover for a Submariner?
The insurance cover for a Submariner is 57 lakhs.
Q.5: What is the benefit of a travel allowance for a sailor?
Sailors and their families can travel on railways every year.

Now we have provided all the necessary information regarding the Indian Navy Salary. We hope this detailed article helped the candidates understand the in-hand salary, allowances and benefits. To enjoy these perks, candidates must clear the Indian Navy written test. Therefore, take our online mock test, practice well and get high scores in the exam.

If you have any queries regarding this article or Indian Navy Salary, you can contact us through our website or app. We will be glad to help you.

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