ESI Calculator

Contribution Distribution

Employee Contribution:


Employer's Contribution:


Total Contribution:


In-hand Salary

₹ 99.25

What is ESI ?

ESI in full terms is known as Employee’s State Insurance. But here is the catch, the real meaning is that ESI is for Employees also the employee can from private or from the government.

It can only be claimed on health issues.

Also, employees or workers who have a gross salary equal to ₹21000 or must be below ₹21000 are eligible under this scheme.

ESI was made legal in 1948 and is managed by the Central Government.

How to Calculate ESI Contribution ?

Not going much into complexities right now. We can start this with an example, think like Rohan is an employee who is paid 20,000Rs /month. Now he’s totally coming under the ESI scheme and can avail its benefits.

Now to calculate what he actually get’s in hand that depends on many things but in short take only ESI as a deduction, in this case,

  • Employee’s Contribution is 0.75% (standard) that of gross pay to calculate it is 0.75/100 * 20,000 = ₹150
  • In this case of Employer’s Contribution, it is 3.25% (standard) that of the gross pay i.e 3.25/100 * 20,000 = ₹650
  • So, total contribution towards the fund is ₹150(employee’s contribution) + ₹650(Employer’s Contribution) = ₹800
  • Now after the deduction, salary that Rohan gets ₹20,000(gross pay) - ₹150(employees contribution) = ₹19850

What are the benefits of ESI ?

  1. Sickness Benefit: An insured person under the scheme will receive periodical payments, as per the rules and regulations that apply along with a certification of the medical practitioner
  2. Maternity Benefit: Under the ESI Act 1948, women employees or workers are eligible to get the benefits if it meets the pregnancy criteria such as-
    1. Confinement
    2. Miscarriage
    3. premature birth of the child
  3. Disablement Benefit: A insured person is eligible for this criteria also, under a person who is temporarily disabled not less than 3 days is eligible and for permanent disability, it is still valid as always.
  4. Dependent Benefit: Under this benefit, if an insured person dies as a result of employment injury while being an employee, can get the benefit.
  5. Medical Benefit: Besides the insured person, this scheme also opens the possibility to treat their member of a family also.