ESI Eligibility Checker
Check if your establishment must register with ESIC, whether an employee is covered, and the exact monthly contribution — live, in one screen.
- Free — no sign-up
- Instant, on-screen results
- Built by our CA · CS team
- Rules cited on the page
Fill in the details — the answer on the right updates as you go.
Contribution breakdown
Monthly · 4% of gross| Component | Amount |
|---|
Get ESI registration & monthly returns handled
We register your establishment on the ESIC portal and file contributions on time, every month.
Disclaimer: Indicative check based on ESI Act, 1948 and current ESIC rates. State thresholds, applicability and wage definitions can vary — confirm your establishment's position with a professional before registering.
ESI at a glance
The Employees' State Insurance (ESI) scheme is a social-security scheme run by the ESIC under the ESI Act, 1948. It provides medical, cash and other benefits to workers earning up to the wage ceiling and their dependants, funded by a small monthly contribution from both employee and employer.
Who is covered and who must register
There are two separate tests. First, whether the establishment must register with ESIC. Second, whether a particular employee is covered so contributions are payable on their wages.
| Gross wage ≤ ₹21,000/month | Covered |
| Disability & wage ≤ ₹25,000/month | Covered |
| Gross wage above ceiling | Not covered |
| Wage rises mid-period | Covered till period end |
| 10+ employees (most states) | Register |
| 20+ employees (a few states) | Register |
| At least one earns ≤ ₹21,000 | Required |
| Registration deadline | 15 days |
How the contribution is split
ESI is a percentage of the employee's gross monthly wages. The employer deducts the employee's share from salary, adds its own share, and deposits the total (4% of gross) with ESIC by the 15th of the following month.
| Employee share | 0.75% |
| Employer share | 3.25% |
| Total on gross wages | 4.00% |
| Employees earning ≤ ₹176/day | Exempt from own share |
| Employee (0.75%) | ₹135 |
| Employer (3.25%) | ₹585 |
| Total monthly | ₹720 |
| Employer annual (12 mo) | ₹7,020 |
How ESI works
Register
An establishment crossing the threshold registers on the ESIC portal within 15 days and gets a 17-digit employer code.
Enrol employees
Each covered employee is enrolled and issued an ESI (Pehchan) card, gaining access to ESIC dispensaries and hospitals.
Deduct & deposit
Every month the employer deducts 0.75%, adds 3.25%, and deposits the 4% total by the 15th of the next month.
Claim benefits
The insured person and dependants draw medical, sickness, maternity and other cash benefits based on contributions.
ESI benefits
In return for the contribution, insured employees and their families receive a wide range of benefits with no cap on medical expenditure.
Medical benefit
Full medical care for the insured person and dependants from day one of employment — with no ceiling on treatment cost at ESIC hospitals and dispensaries.
Sickness benefit
Cash at 70% of wages for up to 91 days of certified sickness in a year, plus extended benefit for specified long-term illnesses.
Maternity benefit
Paid leave at full average wages for up to 26 weeks of confinement, extendable for medical complications and miscarriage.
Disablement benefit
Monthly payments for temporary or permanent disablement caused by employment injury, at up to 90% of wages.
Dependants' benefit
A monthly pension to dependants if death results from an employment injury or occupational disease.
Other benefits
Funeral expenses, unemployment allowance (RGSKY), vocational rehabilitation and confinement expenses where care is unavailable.
Key terms explained
Wage ceiling
The maximum monthly gross wage for coverage — ₹21,000 generally, and ₹25,000 for employees with disability. Employees earning above this are not covered under ESI.
10-employee threshold
Registration is mandatory once an establishment employs 10 or more persons in most states (20 in a few). It applies to factories, shops, hotels, cinemas and more.
Contribution periods
ESI runs two 6-month contribution periods — April–September and October–March — with matching benefit periods. Coverage that begins in a period lasts to its end.
ESIC
The Employees' State Insurance Corporation administers the scheme, collects contributions and runs the network of hospitals and dispensaries that deliver benefits.
Questions people ask
Short answers on ESI Eligibility Checker. Tap a question to open it.
01Which establishments are covered by ESI?
Non-seasonal factories employing 10 or more persons, and establishments notified by the state — shops, hotels, restaurants, cinemas, road transport, newspapers, educational and medical institutions — generally at a threshold of 10 or 20 employees depending on the state.
02Which employees are covered?
Employees drawing gross wages up to ₹21,000 a month (₹25,000 for employees with disability), including contract and casual workers engaged on the premises or in connection with the establishment's work.
03What benefits does ESI give?
Full medical care for the insured person and dependants, sickness benefit as cash during certified illness, maternity benefit, disablement benefit, dependants' benefit on death from employment injury, and funeral expenses.
04Does ESI apply if my area has no ESI hospital?
ESI coverage is notified area-wise. If your establishment is outside an implemented area, ESI does not apply, though many states have progressively notified new areas — verify the current position for your pin code.
05Can an employee be covered by both ESI and a private health policy?
Yes, but ESI is statutory and cannot be waived for a covered employee. Many employers keep a group policy on top for employees above the wage ceiling.
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Disclaimer: This tool gives indicative results for general guidance only and is not professional advice. Please verify with a qualified CA before acting on the numbers.