🩺 ESI Calculator
Employee State Insurance — applicable if gross salary ≤ ₹21,000/month. Health benefits + medical care.
₹
₹5,000Threshold: ₹21,000₹50,000
EMPLOYEE CONTRIBUTION (0.75%)
₹135
per month
Annual: ₹1,620
EMPLOYER CONTRIBUTION (3.25%)
₹585
per month
Annual: ₹7,020
TOTAL ESI (paid to ESIC)
₹720/month
Annual: ₹8,640
💡 Take-Home Salary Impact
📉 Your take-home reduces by: ₹135/month
✅ But you get: free medical care, hospitalization, sickness benefit, maternity benefit
👨👩👧 Family also covered (spouse, dependent kids, parents)
📚 ESI Quick Facts
- ✅ Eligibility: Gross salary ≤ ₹21,000/month (₹25,000 for disability)
- ✅ Employee: 0.75% of gross salary
- ✅ Employer: 3.25% of gross salary
- ✅ Applicable to firms with 10+ employees
- ✅ Benefits: Medical, sickness (70% wages for 91 days), maternity (26 weeks), disability, dependent benefit
- 📍 Card issued by ESIC; usable at ESI hospitals/dispensaries
- 💡 Once enrolled, coverage continues even if salary later exceeds limit (within contribution period)