payroll

ESI: Employee State Insurance

Complete guide to ESI scheme including coverage, benefits, contributions, and employer compliance.

GetYourCA Team
1 March 2025·Updated 9 April 20261 min read12.5K views
"ESI""Employee State Insurance""Medical""Benefits"

ESI: Employee State Insurance

What is ESI?#

Social security scheme providing medical and cash benefits.

Coverage#

  • Factories with 10+ employees
  • Shops with 10+ employees
  • Wage limit: ₹21,000/month

Benefits#

Medical#

  • OPD treatment
  • Hospitalization
  • Medicines

Cash Benefits#

  • Sickness benefit (70% wages)
  • Maternity benefit
  • Disability benefit
  • Dependent benefit

Contributions#

  • Employee: 0.75%
  • Employer: 3.25%

Employer Compliance#

  • Registration
  • Monthly ECR
  • Issue IP cards

Conclusion#

ESI provides comprehensive social security.

Need Help With Your Tax Filing?

Our expert CAs can help you file your ITR accurately, claim maximum deductions, and ensure compliance. Get started in minutes.

File ITR with ExpertTry Tax Calculator

Was this article helpful?

GT

GetYourCA Team

Tax Expert

10+ years experience
View all articles by this author →

Disclaimer

We have taken utmost care to research and write this article for your information. However, tax laws are complex and subject to frequent changes. This article is for general guidance only and should not be considered professional advice. Individual circumstances vary significantly — what works for one person may not apply to another.

Before making any tax-related decisions, we strongly recommend consulting with a qualified Chartered Accountant or tax professional who can assess your specific situation. We do not accept any liability for decisions made based on this information.

Need help with your taxes?

Talk to our expert CAs

Get Started