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ESI Contribution Calculator

FY 2024-25 | Employee State Insurance Scheme
Contribution Rates
Eligibility
Benefits
Claims Process

🧾 ESI Contribution Rates (FY 2024–25)

  • Employee Contribution: 0.75% of gross wages
  • Employer Contribution: 3.25% of gross wages
  • These rates have been in effect since July 1, 2019, and continue unchanged

💰 Salary Ceiling for ESI Coverage

  • Standard Limit: ₹21,000 per month
  • For Employees with Disabilities: ₹25,000 per month
  • Employees earning up to ₹21,000 per month are mandatorily covered under the ESI scheme

✅ ESI Eligibility (for Employees)

  • Income Limit:
    • Gross monthly wage should be ₹21,000 or less
    • For employees with disabilities, the limit is ₹25,000
  • Employer Coverage:
    • Establishments with 10 or more employees (20 in some states) must register under ESI
  • Location: ESI is applicable in notified areas only
  • Employee Type: Includes full-time, part-time, contractual employees
  • Exemptions: Employees with a daily average wage up to ₹137 are exempt from contributing, but employers must still contribute their share

🎁 ESI Benefits (for Employees & Dependents)

  • 🏥 Medical Benefit: Complete free medical care for the insured person and their dependents
  • 💸 Sickness Benefit: 70% of wages up to 91 days in a year
  • 🤕 Disablement Benefit: Temporary (90% of wages) or Permanent (based on loss of earning capacity)
  • ⚰️ Dependent Benefit: Monthly pension for dependents if death due to employment injury
  • 🤰 Maternity Benefit: Up to 26 weeks of paid leave
  • 🎓 Unemployment Allowance (ABVKY): 25% of wages for 2 years
  • 🏠 Funeral Expenses: One-time payment of ₹15,000

📋 Claims Process

  • Registration: Employees receive a Permanent ESI Number (IP Number) and ESI card
  • Medical Claims: Show ESI card at any ESI hospital (no cash required)
  • Cash Benefits: Submit forms through employer or online portal

🧾 Returns

  • Employees are not required to file separate returns
  • Employers must:
    • Deduct employee’s share
    • File monthly ESI returns
    • Deposit contributions by the 15th of each month

Explore More Tax Calculator Here

How to Use the ESI Calculator

The ESI Calculator helps employees and employers quickly determine their Employee State Insurance (ESI) contributions based on the latest 2025 rates. Follow these simple steps to calculate your ESI deductions accurately.

Steps to Calculate ESI Contribution in ESI Calculator:

  1. Enter Gross Monthly Salary
    • Input the employee’s total monthly salary/wages (including basic pay, allowances, etc.).
    • Example: If the salary is ₹25,000/month, enter 25000.
  2. Check Current ESI Rate (2025)
    • Employee Contribution: 0.75% of gross salary.
    • Employer Contribution: 3.25% of gross salary.
    • Total ESI Contribution: 4% (Employee + Employer).
  3. Automatic Calculation
    • The esi calculator applies the formula:
      • Employee Share = Salary × 0.75%
      • Employer Share = Salary × 3.25%
      • Total ESI = Employee Share + Employer Share
  4. View Results
    • The ESI Calculator displays:
      • Employee’s ESI Contribution (0.75%)
      • Employer’s ESI Contribution (3.25%)
      • Total Monthly ESI Deduction (4%)
  5. Understand Eligibility & Limits
    • Salary Limit for ESI (2025): Employees earning up to ₹21,000/month are eligible.
    • If salary exceeds ₹21,000, no ESI deduction applies.

Example Calculation in ESI Calculator:

If salary = ₹20,000/month

  • Employee Share (0.75%) = ₹20,000 × 0.75% = ₹150
  • Employer Share (3.25%) = ₹20,000 × 3.25% = ₹650
  • Total ESI Contribution (4%) = ₹150 + ₹650 = ₹800/month

Why Use Our ESI Calculator?

✅ Free & Instant Results
✅ Accurate as per 2025 ESI Rates
✅ Helps in Payroll & Compliance

This ESI Calculator simplifies complex ESI deductions, ensuring error-free payroll processing for employees and employers. Bookmark this page for quick calculations!

1. What is the Employee State Insurance (ESI) Scheme?

The ESI Scheme is a social security program for Indian employees, providing medical, disability, maternity, and other benefits. It is managed by the Employees’ State Insurance Corporation (ESIC).

2. Who is eligible for ESI coverage?

Employees earning up to ₹21,000/month (₹25,000 for disabled workers) in registered establishments are eligible. Employers with 10+ employees (5+ in some states) must register under ESI.

3. What is the current ESI contribution rate (2025)?

Employee Contribution: 0.75% of gross salary
Employer Contribution: 3.25% of gross salary
Total ESI Contribution: 4%

4. How is ESI calculated on salary?

ESI Calculator Formula:
Employee Share = Gross Salary × 0.75%
Employer Share = Gross Salary × 3.25%
Example: For ₹20,000 salary:
Employee pays ₹150, Employer pays ₹650 → Total ESI = ₹800

5. What are the benefits under the ESI Scheme?

Medical benefits (for self & family)
Sickness cash benefit (70% of wages)
Maternity benefit (paid leave)
Disability & dependents’ benefits
Unemployment allowance (Rajiv Gandhi Shramik Kalyan Yojana)

6. Is ESI applicable for part-time or contract workers?

Yes, if they earn ≤ ₹21,000/month and work in a covered establishment.

7. What happens if an employer fails to deposit ESI contributions?

Penalties include:
Interest on delayed payments
Legal action under ESI Act
Fines up to ₹10,000 + imprisonment

8. How to claim ESI medical benefits?

Get treatment at ESI hospitals/dispensaries
Show ESI Pehchan Card (IP Number)
For cash benefits, submit forms to the local ESIC office