ESIC Contribution Calculator

Calculate ESIC (Employee State Insurance) contribution for employee and employer. Shows monthly deduction, take-home impact, and ESIC benefits eligibility.

ESIC Contribution Calculator

Employee and employer ESI contribution — eligibility check for Rs 21K limit

Monthly gross wages Rs 18,000

Rs 5KRs 30K

Breakdown

---

Scheme details based on current government rules. Always verify latest eligibility and benefits at official portals before applying.

Visual comparison

💡

ThriftRupee Insight

ESIC covers employees earning up to Rs 21,000/month (Rs 25,000 for disabled employees) with comprehensive health and disability benefits. Employee pays 0.75% and employer pays 3.25% of gross wages. For a Rs 18,000/month salary, you pay only Rs 135/month for you and your entire family to access ESIC hospitals, maternity benefits (26 weeks paid), and sickness cash benefits. It is one of India's most underappreciated employee benefits.

Frequently asked questions

Who is covered under ESIC?▼

ESIC covers employees working in factories, shops, hotels, restaurants, cinemas, road transport, and certain other establishments with 10+ employees (20+ in some states), earning up to Rs 21,000/month gross. Construction workers, agricultural workers, and domestic workers are currently excluded. ESIC coverage extends to the employee's entire family — spouse, dependent children, and dependent parents.

What are the ESIC contribution rates?▼

Employee contribution: 0.75% of gross wages. Employer contribution: 3.25% of gross wages. Total ESIC = 4% of gross wages. Employees earning up to Rs 137/month (i.e., Rs 21,000 × 0.75% rounded) are exempt from the employee share during their contribution period. ESI contribution is calculated on actual gross wages including all allowances.

What benefits does ESIC provide?▼

ESIC benefits include: sickness benefit (70% of wages for up to 91 days), maternity benefit (full wages for 26 weeks), disablement benefit (90% of wages for permanent disability), medical benefit (for employee and family — OPD, inpatient, specialist, surgery, medicine), funeral expenses, and dependant's benefit for family in case of death. These benefits make ESIC extremely valuable relative to the 0.75% employee contribution.

ESIC Contribution Calculator