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ESI Calculator India 2026 - Employee State Insurance Contribution

Check ESI coverage status, employee and employer contribution, and half-yearly filing dates under the ESI Act, 1948. Current wage ceiling Rs 21,000 (Rs 25,000 for disability).

Step 1 - Inputs

Your ESI inputs

Step 2 - Result

ESI Coverage & Contribution

Coverage Status

Covered

Filing Cadence

  • Monthly contribution by 15th of next month (Regulation 31)
  • Half-yearly Form 6 by 11 November (Apr-Sep period)
  • Half-yearly Form 6 by 11 May (Oct-Mar period)

Estimate based on current ESIC rates and wage ceiling. Verify with latest ESIC notification.

ESI Logic

How ESI Coverage Works in India

Wage Ceiling Rs 21,000

Gross monthly wages up to Rs 21,000 trigger ESI coverage under the ESI Act, 1948.

Rs 25,000 for Disability

Persons with disability are covered at the raised ceiling per ESIC notification.

Employee 0.75%

Deducted from gross monthly wages under Regulation 31 of ESIC Regulations, 1950.

Employer 3.25%

Paid by employer on gross monthly wages. Total contribution 4 percent.

Two Contribution Periods

April to September and October to March. Benefits drawn from prior period contributions.

Form 6 Half-Yearly

Filed by 11 May and 11 November. Tracks all contributions for the period.

What ESI Coverage Provides

Benefits to insured employees and dependants under the ESI Act, 1948.

Medical Care

Sickness Benefit

Maternity Benefit

Disability Benefit

Dependents Benefit

Funeral Expenses

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ESI Calculator FAQ

What is the ESI contribution rate in India?
Employee contribution is 0.75 percent of gross wages and employer contribution is 3.25 percent of gross wages under Regulation 31 of the ESIC Regulations, 1950. Current rates have been in effect since 1 July 2019.
What is the ESI wage ceiling?
Employees earning gross wages up to Rs 21,000 per month are covered under the ESI Act, 1948. Persons with disability are covered up to Rs 25,000 per month. Employees crossing the ceiling mid-contribution period continue under ESI until the end of the period.
What is the ESI contribution period?
ESI follows two contribution periods of six months each. The first runs from April to September and the second from October to March. Benefits are credited based on contributions made in the previous contribution period.
When are ESI contributions due?
Employers must deposit ESI contributions by 15th of the following month under Regulation 31. Half-yearly return Form 6 is due by 11 May for the October to March period and by 11 November for the April to September period.
What is the penalty for late ESI payment?
Delayed payments attract interest at 12 percent per annum under Section 39(5)(a) of the ESI Act, 1948. Damages can range from 5 percent to 25 percent of the unpaid amount under Section 85B. Persistent default attracts prosecution under Section 85.
Which wages are excluded from ESI calculation?
Wages exclude employer contribution to PF, payments made to defray special expenses, gratuity payable on discharge, and encashment of leave at exit. Bonus, retrenchment compensation, and reimbursements based on actual expenses are also excluded under Section 2(22) of the ESI Act.

Automate ESI Across Every Employee

factoHR India tracks ESI coverage, deducts 0.75 percent on payslip, calculates 3.25 percent employer share, and files Form 6 half-yearly.

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