EMPLOYEES STATE INSURANCE
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EMPLOYEES' STATE INSURANCE (ESI)
Comprehensive Medical & Social Security Cover for Your Workforce
Employees' State Insurance (ESI) is a self-financing social security and health insurance scheme for Indian workers, administered by the Employees' State Insurance Corporation (ESIC), under the Ministry of Labour & Employment. It provides employees and their dependents with medical, sickness, maternity, disablement, and dependent benefits.
ESI registration is mandatory for establishments employing 10 or more persons (the threshold varies slightly by state) where employees earn wages within the notified ceiling, and is governed by the Employees' State Insurance Act, 1948. Once registered, employers must deduct and deposit monthly contributions and file periodic returns with ESIC.
At BusinessSachiv, we manage your ESI registration and ongoing monthly compliance end-to-end — so your employees get full social security coverage while you stay fully compliant.
Why ESI Registration Matters for Your Business
- Mandatory legal compliance for eligible establishments, avoiding penalties and legal action
- Comprehensive medical care for employees and their dependents at ESIC hospitals and dispensaries
- Cash benefits during sickness — up to 91 days of sickness benefit per year at 70% of average daily wages
- Maternity benefit for female employees, covering paid leave during pregnancy and childbirth
- Disablement benefit — compensation for temporary or permanent disablement due to employment injury
- Dependents' benefit — pension to family members in case of an employee's death due to employment injury
- Builds employer credibility — registered ESI status improves trust with employees and supports government tender eligibility
Contribution Structure
ESI contributions are calculated as a percentage of gross wages for employees earning up to the notified wage ceiling (currently ₹21,000/month, ₹25,000/month for persons with disability):
|
Contributor |
Rate |
Basis |
|
Employee |
0.75% of gross wages |
Deducted from employee salary |
|
Employer |
3.25% of gross wages |
Paid by employer |
|
Total Contribution |
4.00% of gross wages |
Deposited monthly with ESIC |
Employees earning up to ₹176/day are exempt from their own contribution share but remain covered, with the employer continuing to contribute. Rates are notified by ESIC and subject to periodic revision.
Eligibility Criteria
- Establishments employing 10 or more persons (20 in some states) fall under mandatory ESI coverage
- Applicable to factories, shops, hotels, restaurants, cinemas, road transport, educational institutions, and other notified establishments
- Employees earning gross wages up to ₹21,000/month (₹25,000 for persons with disability) are covered
- Coverage continues for the contribution period even if wages temporarily exceed the ceiling mid-period
Documents Required
- PAN Card of the establishment
- Certificate of incorporation / partnership deed / registration certificate
- Address proof of the registered establishment
- List of employees with date of joining, salary details, and ID proof
- Bank account details and cancelled cheque of the establishment
- Digital Signature Certificate (DSC) of the authorized signatory
- Shop & Establishment / Factory registration certificate, if applicable
Exact document requirements may vary by state and category of establishment.
Ongoing Monthly Compliance
- Monthly ESI contribution must be deposited by the 15th of the following month
- Monthly contribution filing through the ESIC online portal
- Half-yearly return filing for each contribution period (April–September and October–March)
- Issuance and maintenance of ESIC Pehchan cards for covered employees
- Updation of employee records on addition or exit of staff
Penalties for Non-Compliance
- Interest at 12% per annum on delayed ESI contribution payments
- Damages ranging from 5% to 25% per annum depending on the period of default
- Prosecution and imprisonment provisions for employers who default on ESI deductions or contributions
- Disqualification from government tenders and contracts for non-compliant establishments
Our Process
- Free Consultation — We assess applicability and confirm registration requirement
- Document Collection — Share establishment and employee details via our online portal
- Application Filing — We file your ESI registration application on the ESIC Portal
- Verification — Application is reviewed and a unique 17-digit Employer Code is allotted
- Registration Certificate — Receive your ESI registration confirmation (Form C-11)
- Monthly Compliance Setup — We help set up your ongoing monthly contribution and return filing process
Typical turnaround: 3–7 working days for registration
Why Choose BusinessSachiv for ESI Registration
- End-to-end registration and monthly compliance management
- Accurate contribution calculation aligned with latest ESIC rates
- Timely monthly and half-yearly return filing to avoid interest and damages
- Dedicated support for employee Pehchan card issuance and record updates
- Transparent, affordable pricing — no hidden charges
Frequently Asked Questions
1. Is ESI registration mandatory for all businesses?
It's mandatory for establishments employing 10 or more persons (threshold varies by state) where employees fall within the notified wage ceiling.
2. What is the current wage ceiling for ESI coverage?
Employees earning gross wages up to ₹21,000/month (₹25,000/month for persons with disability) are covered under ESI.
3. What benefits does an employee get under ESI?
Medical care, sickness benefit, maternity benefit, disablement benefit, dependents' benefit, and funeral expenses, among others.
4. Can an establishment with employees earning above the wage ceiling avoid ESI?
If all employees earn above the ceiling, the establishment may not be liable for ESI; however, mixed workforces with even a few employees within the ceiling typically require registration.
5. What is a Pehchan card?
It's the ESIC identity card issued to insured employees and their dependents, used to access medical benefits at ESIC hospitals and dispensaries.
6. What happens if ESI contribution is delayed?
Delayed contributions attract interest and damages under the ESI Act, and may also invite legal action in cases of repeated default.
7. Is ESI applicable to contract or temporary employees?
Yes, if they meet the wage and employment criteria, contract and temporary employees are generally covered under ESI.
8. Does ESI cover employees' family members?
Yes, ESI provides medical benefits not just to the insured employee but also to eligible dependents such as spouse, children, and dependent parents.
9. What is the contribution period under ESI?
ESI has two contribution periods each year: April to September and October to March, each followed by a corresponding benefit period.
10. Can an establishment apply for ESI exemption?
Establishments already providing benefits substantially similar to or better than ESI can apply for exemption from certain ESI Act provisions, subject to government approval.
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Affordable & Transparent Pricing, Tailored to Your Growth — covering everything from Incorporation to Year-round Compliance
B-Basic
₹3999 ₹2999
What's Included
- Reserve Company name at MCA
- Expert advice on incorporation
- Filing of incorporation documents at MCA
- MCA Processing
- Company CIN, PAN, TAN
- Memorandum of Association
- Articles of Associations
- DIN for 2 directors
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B-Gold
₹34999 ₹14999
What's Included
- B-Silver Service
- Filing of Commencement of Business
- Creation of Directors Credential on MCA
- Registration of Directors DSC on MCA
- Conducting & Convening 1st Board Meeting of Company
- Appointment of Auditor
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B-Plantinum
₹39999 ₹19999
What's Included
- B-Gold Service
- Appointment of Auditor
- Filing of DIR-3
- Filing of DPT-3 (Deposit Statement)
- Filing of AOC-4 (Financial Statement)
- Accounting and booking for 1 Year
- Preparation of Financial Statement
- GST-1 Filing for 12 months
- GSTR-3B filing for 12 Month
- GSTR-9 filing for 12 months
- Income Tax return filing
- TDS return filing for 1 Year
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B-Diamond
₹49999 ₹29999
What's Included
- B-Platimum Services
- MSME Registration
- Shop & Establishment Registration
- Convening & Conducting Board Meeting for 1 Year
- Drafting of Notice aling with Agenda for Board meeting for 1 Year
- Drafting of Board Resolutions for 1 Years
- Drafting of Minutes of Board Meetings
- Convening & Conducting AGM/EGM for 1 Year
- Drafting of Notice aling with Agenda for GM/EGM for 1 Year
- Drafting of GM/EGM Resolutions for 1 Years
- Drafting of Minutes of GM/EGM Meetings
- 1 Year Consultancy for GST Compliance
- 1 Year Consultancy for Income Compliance
- 1 Year Consultancy for ROC Compliance
- Filing of Application for Trademark
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B-Special Package
₹69999 ₹49000
What's Included
- B-Diamond Services
- Running a Awareness Campaign, Traffic Campaign, Lead Generation Campaign Social Media on behalf of Company like Facebook, Instagram, Youtube for 6 Months (Excluding Ad Budget)
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