The Indian Navy officer salary structure follows the 7th Pay Commission, with entry-level Sub Lieutenants starting around ₹56,100 (Pay Level 10) plus allowances like Military Service Pay (MSP) of ₹15,500, leading to an approximate in-hand salary of ₹70,000-₹90,000, with higher ranks like Captain, Rear Admiral, and the Chief of Naval Staff (CNS) earning significantly more, receiving higher basic pay and various allowances (DA, HRA, Transport, etc.). [1, 2]
Pay Scale & Military Service Pay (MSP)
- MSP: ₹15,500 for ranks from Sub Lieutenant to Commodore; NIL for Rear Admiral and above.
- Pay Levels: Linked to the 7th CPC pay matrix.
Rank-Wise Pay Details (Basic Pay Band)
- Sub Lieutenant (Level 10): ₹56,100 – ₹1,77,500
- Lieutenant (Level 10B): ₹61,300 – ₹1,93,900
- Lieutenant Commander (Level 11): ₹69,400 – ₹2,07,200
- Commander (Level 12A): ₹1,21,200 – ₹2,12,400
- Captain (Level 13): ₹1,30,600 – ₹2,15,900
- Commodore (Level 13A): ₹1,39,600 – ₹2,17,600
- Rear Admiral (Level 14): ₹1,44,200 – ₹2,18,200
- Vice Admiral (Level 15): ₹1,82,200 – ₹2,24,100
- CNS/Equivalent (Level 18): ₹2,50,000 (Fixed) [1]
Key Allowances & Benefits
- Dearness Allowance (DA): Varies with inflation.
- House Rent Allowance (HRA): Depends on city/location.
- Transport Allowance, Uniform Allowance, etc..
- Medical & Dental: Free for officers and families.
- Accommodation: Government-provided housing.
- Subsidized Facilities: Education for children, Navy clubs, etc.. [2, 3, 4, 5, 6]
In-Hand Salary Example (Sub Lieutenant)
- Basic Pay (₹56,100) + DA (approx. 38%) + MSP (₹15,500) + HRA/Other allowances can total ₹70,000 to ₹90,000+ monthly. [2, 4]
AI responses may include mistakes.
[1] https://in.indeed.com/career-advice/finding-a-job/what-does-navy-officer-do
[2] https://testbook.com/indian-navy-ssc-officer/salary-job-profile
[3] https://testbook.com/defence/indian-navy-salary
[4] https://www.thetargetclasses.com/navy/indian-navy-ranks-and-salary/
[5] https://www.majorkalshiclasses.com/news/Salary-Indian-Navy-Officers
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Junior & Mid-Level Officers (with MSP ₹15,500)
Sub Lieutenant (Level 10): Basic Pay ₹56,100 – ₹1,77,500.
Lieutenant (Level 10B): Basic Pay ₹61,300 – ₹1,93,900.
Lieutenant Commander (Level 11): Basic Pay ₹69,400 – ₹2,07,200.
Commander (Level 12A): Basic Pay ₹1,21,200 – ₹2,12,400.
Captain (Level 13): Basic Pay ₹1,30,600 – ₹2,15,900.
Commodore (Level 13A): Basic Pay ₹1,39,600 – ₹2,17,600.
Senior & Flag Officers (No MSP)
Rear Admiral (Level 14): Basic Pay ₹1,44,200 – ₹2,18,200.
Vice Admiral (Level 15): Basic Pay ₹1,82,200 – ₹2,24,100.
Vice Admiral & Equivalent (Level 16): Basic Pay ₹2,05,400 – ₹2,24,400.
DGAFMS/VCNS/C-IN-C/Equivalent (Level 17): Fixed Pay ₹2,25,000.
CNS/Equivalent (Level 18): Fixed Pay ₹2,50,000.
Key Allowances & Benefits
Military Service Pay (MSP): ₹15,500 for ranks up to Commodore; NIL for Rear Admiral and above.
Dearness Allowance (DA): Varies with inflation.
House Rent Allowance (HRA) & Transport Allowance: Depends on posting location.
Medical & Dental: Free for officers and families.
Housing: Government-provided accommodation.
Education: Benefits for children.
Insurance: Group insurance coverage available.