Calculator
ESI contribution calculator
Enter gross monthly wages to see whether the employee is covered, what each side contributes, and how the contribution-period rule works when wages change.
Figures reviewed September 2026. Statutory rates change; confirm with the notification before filing.
Covered by ESI
Employee share (0.75%)
₹135
Employer share (3.25%)
₹585
Total to ESIC each month
₹720
Total each year
₹8,640
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<p style="font-size:12px"><a href="https://kuzhu.in/resources/esi-calculator?utm_source=embed">Free esi calculator by Kuzhu HRMS</a></p>The rules behind the numbers
Covered up to ₹21,000
Employees whose gross monthly wages are ₹21,000 or less are covered (₹25,000 for persons with disabilities). Wages exclude washing allowance, annual bonus and reimbursement of actual expenses.
0.75% and 3.25%
The employee pays 0.75% of gross wages and the employer 3.25%, both rounded up to the next rupee. Employees earning up to ₹176 a day are exempt from their own share.
Contribution periods
April to September and October to March. Eligibility is tested at the start of each period; a raise above the ceiling mid-period does not end coverage until the period ends.
Who must register
Establishments with 10 or more employees (20 in some states) in areas where the scheme is implemented. Registration is online within 15 days of becoming liable.
What the employee gets
Medical care for the family, sickness benefit at 70% of wages, maternity benefit at full wages for 26 weeks, disablement and dependants' benefits, and unemployment allowance under ABVKY.
Due on the 15th
Contributions are paid on the ESIC portal by the 15th of the following month. Half-yearly returns follow each contribution period by 11 November and 11 May.
Questions people ask
My salary went above ₹21,000 after an increment. Does ESI stop?
Not immediately. Coverage continues, and both contributions are deducted, until the end of the current contribution period (30 September or 31 March). From the next period the employee is out of ESI.
Which components count as wages for ESI?
Basic, DA, HRA, city compensatory, conveyance and other regular allowances, overtime and incentives paid at intervals of two months or less. Annual bonus, washing allowance, gratuity and actual expense reimbursements are excluded.
Is ESI deducted from a new joiner in the first month?
Yes, from the first day of employment if wages are within the ceiling. The employer registers the employee on the portal within 10 days and an insurance number is generated.
Can an employee opt out of ESI if they have private insurance?
No. ESI is statutory for eligible employees in covered establishments; private health insurance does not replace it.
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In Kuzhu
Kuzhu tests ESI eligibility per contribution period, keeps coverage through a mid-period raise, and produces the monthly contribution file and half-yearly return from the payroll run.
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