Calculate ESI contributions

Employees earning ≤ ₹21,000 gross per month (₹25,000 for disabled) in factories with 10+ employees and establishments with 20+ employees (some states extend to 10+). Both organised and unorganised sectors are included.

Medical care for employee + dependents at ESI hospitals, sickness benefit (up to 70% wages for 91 days/year), maternity benefit (26 weeks), disability benefit, dependents' benefit, funeral expenses, unemployment allowance.

ESI = health + sickness insurance (paid monthly, no withdrawal). EPF = retirement savings (12% + 12%, accumulates with interest, withdrawn at retirement or job change).

You stay enrolled until the end of the current contribution period (April-September OR October-March). From the next period, ESI stops if you remain above ₹21K.

No. ESI is for salaried employees in registered establishments. Self-employed and freelancers are not covered, but can avail other government schemes like Ayushman Bharat.

At ESIC hospitals and dispensaries, plus empaneled private hospitals for specialty treatment. Cashless treatment up to specified limits. Find nearest centre via the ESIC portal.

Yes — spouse, dependent children (up to 25), and dependent parents (if living with employee). Same medical benefits, free of cost.

Penalties + interest at 12% p.a. + possible imprisonment for the employer under Section 85B. Employees can file complaints with the regional ESIC office. Your contributions and benefits are still valid even if the employer is in default.