ESI Calculator – India
Calculate State Insurance (ESI) deduction from salary. Know your ESI contribution as per Indian ESI rules.
Gross monthly salary. ESI applies only if gross ≤ ₹21,000 (₹25,000 for PwD).
Real-World Examples
1Entry-Level ₹15,000 Salary
Employee deduction ₹112.50, Employer contribution ₹487.50. Total ESI ₹600/month for medical benefits.
2At ESI Limit ₹21,000 Salary
Maximum ESI eligible salary. Above ₹21K, ESI not applicable. Some prefer to stay under limit for benefits.
3Above Limit ₹25,000 Salary
Salary exceeds ₹21K limit. No ESI deduction. Consider personal health insurance to replace ESI benefits.
Frequently Asked Questions
ESI is a social security and health insurance scheme managed by ESIC (Employee State Insurance Corporation). It provides medical care, sickness benefits, maternity benefits, disability benefits, and dependent benefits to employees and their families.
Employees earning gross salary up to ₹21,000/month (₹25,000 for persons with disability) in establishments with 10+ employees are covered under ESI. Once enrolled, coverage continues for benefit period even if salary increases.
Employee contribution: 0.75% of gross salary. Employer contribution: 3.25% of gross salary. Total ESI: 4% of gross salary. For ₹20,000 salary: Employee pays ₹150, Employer pays ₹650, Total ₹800.
Benefits include: Medical care for self and family at ESI hospitals/dispensaries, Sickness benefit (70% of wages for up to 91 days), Maternity benefit (100% wages for 26 weeks), Disability benefit (90% of wages), Funeral expenses.
Get ESI card (Pehchan Card) from employer. Visit any ESI hospital or dispensary. Show ESI card for free treatment. In emergencies, private hospital treatment may be reimbursed. Family members also get coverage.
Two contribution periods: April-September and October-March. Benefits are available in corresponding benefit periods: October-March and April-September (6 months after contribution period). Minimum 78 days contribution required.
ESI provides comprehensive coverage at very low cost (0.75% of salary). However, quality may vary. Many employees prefer additional private insurance for better hospitals. ESI is good basic coverage; supplement with private plan if affordable.
ESI benefits continue if you join another ESI-covered establishment within contribution period. Get ESI number from old employer and provide to new employer. If salary exceeds ₹21,000 at new job, ESI coverage stops.
No, ESI is mandatory for eligible employees (salary ≤₹21,000). You cannot opt out while eligible. Once salary exceeds ₹21,000, you automatically exit ESI. Some employees prefer not to exceed limit to maintain benefits.
ESIC provides super specialty treatment (heart surgery, kidney transplant, cancer treatment) at empaneled hospitals. Treatment cost is borne by ESIC. Prior authorization from medical board may be required for planned procedures.
Complete Guide to ESI (Employee State Insurance) in India 2025
ESI (Employee State Insurance) is a comprehensive social security and health insurance scheme for Indian workers. Managed by ESIC, it provides medical care, cash benefits during sickness/maternity, and protection for workers and their families.
ESI Contribution Rates (2025)
| Contributor | Rate | Example (₹20,000 salary) |
|---|---|---|
| Employee | 0.75% | ₹150/month |
| Employer | 3.25% | ₹650/month |
| Total | 4.00% | ₹800/month |
ESI Eligibility Criteria
- Salary Limit: Gross monthly salary up to ₹21,000 (₹25,000 for PWD)
- Establishment Size: Organizations with 10+ employees
- Coverage: Once enrolled, benefits continue even if salary increases
ESI Benefits
Medical Benefits
- • Free treatment at ESI hospitals
- • Coverage for family members
- • Super specialty treatment
- • Medicines and diagnostics
Cash Benefits
- • Sickness: 70% wages (91 days)
- • Maternity: 100% wages (26 weeks)
- • Disability: 90% wages
- • Dependent benefit: 90% wages
ESI vs Private Health Insurance
| Feature | ESI | Private Insurance |
|---|---|---|
| Cost | 0.75% of salary | ₹5,000-30,000/year |
| Hospital Network | ESI hospitals only | Wide network |
| Cash Benefits | Yes (sickness, maternity) | Limited |
| Family Coverage | Included | Extra premium |
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Note: ESI is mandatory for eligible employees. You cannot opt out while earning below ₹21,000/month.
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Disclaimer: All calculations are estimates based on current tax rules and regulations. Actual values may vary depending on your specific circumstances. Please consult a certified financial advisor or CA for personalized advice.