ESIC Statutory Healthcare Tool
Free ESI Calculator — ESIC Employee & Employer Contribution
Calculate monthly and annual Employee State Insurance (ESIC) contributions (Employee 0.75% + Employer 3.25%) with instant statutory wage ceiling verification.
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ESI Act 1948 Rates
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Employee ESI (0.75%)
₹112.50
Deducted from salary
Employer ESI (3.25%)
₹487.50
Contributed by company
Total Monthly ESIC (4%)
₹600.00
Total paid to ESIC
| Contribution Component | Rate | Monthly Amount | Annualized |
|---|---|---|---|
| Employee Contribution | 0.75% | ₹112.50 | ₹1,350.00 |
| Employer Contribution | 3.25% | ₹487.50 | ₹5,850.00 |
| Total Monthly ESIC Deposit | 4.00% | ₹600.00 | ₹7,200.00 |
* Applies to all factories and establishments with 10+ employees.
Understanding Employee State Insurance (ESIC) in India
The Employees' State Insurance (ESI) is a self-financing social security and health insurance scheme for Indian workers managed by the Employees' State Insurance Corporation (ESIC) under the ESI Act 1948.
Wage Ceiling & Eligibility Criteria
- Standard Wage Ceiling: Employees earning up to ₹21,000 per month in gross salary are covered.
- Persons with Disabilities (PWD): The wage limit is extended to ₹25,000 per month.
- Establishment Threshold: Mandatory for non-seasonal factories using power employing 10 or more persons, and shops/commercial establishments with 10–20 persons.
Contribution Rates Breakdown
| Stakeholder | Statutory Rate | Example (₹15,000 Gross) |
|---|---|---|
| Employee Share | 0.75% of gross wages | ₹112.50 / month |
| Employer Share | 3.25% of gross wages | ₹487.50 / month |
| Total ESIC Deposit | 4.00% of gross wages | ₹600.00 / month |
Frequently Asked Questions (FAQ)
Gross wages for ESI include Basic Salary, Dearness Allowance (DA), City Compensatory Allowance (CCA), HRA, Overtime, and all regular monthly allowances. Annual bonuses and gratuity are excluded.
Under ESIC rules, if an employee's salary exceeds ₹21,000 during a contribution period (April–September or October–March), ESI contributions continue until the end of that specific contribution period.
Yes. Employees whose average daily wage is up to ₹176 are exempt from paying the 0.75% employee contribution. However, the employer must still contribute their 3.25% share.