Result
Turn on JavaScript to use the calculator. The worked examples below show the method.
This is an estimate for guidance. Rates, limits and thresholds change by notification, and the right figure depends on your case. Last reviewed November 2026.
Method
How it is worked out
- PF: the employee pays 12% of PF wages and the employer pays 12%.
- PF wages are the basic pay plus dearness allowance. The standard wage ceiling is ₹15,000 a month.
- Of the employer’s 12%, 8.33% goes to the pension scheme (EPS, on wages up to ₹15,000) and the rest to the PF account.
- ESIC applies when monthly gross wages are ₹21,000 or less. The employee pays 0.75% and the employer pays 3.25%.
- Employer admin charges and insurance contributions are not included.
Worked example
An example
Basic pay ₹30,000 with the ₹15,000 ceiling
PF wages are ₹15,000. The employee pays ₹1,800 and the employer pays ₹1,800, of which ₹1,250 goes to pension and ₹550 to the PF account.
Questions
Common questions
What is the PF wage ceiling?
The wage ceiling is ₹15,000 a month. Employers and employees can agree to contribute on higher wages.
Who is covered by ESIC?
Employees whose monthly gross wages are ₹21,000 or less, in establishments covered by the scheme.
When are PF and ESIC paid?
Contributions are usually due by the 15th of the following month. See the compliance calendar.
Are admin charges included?
No. Employer admin charges and insurance contributions are extra.
Related
Related tools and services
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