ESIC Calculator — Salary Se Kitna Katega Aur Milta Kya Hai
Pehli salary slip me ek chhoti si line dikhti hai — ESI 135 rupaye. Zyadatar log use dekh kar aage badh jaate hain. Wo 135 rupaye asal me poore parivaar ka medical cover khareed rahe hote hain.
Neeche apni gross salary daaliye. Katauti, company ka hissa aur kul yogdaan dikh jayega.
Kitna katta hai aur kis par
Hisaab seedha hai, par ek baat dhyaan dene layak hai — ye gross salary par lagta hai, basic par nahi.
| Gross salary | Aapka hissa (0.75%) | Company (3.25%) | Kul |
|---|---|---|---|
| ₹12,000 | ₹90 | ₹390 | ₹480 |
| ₹18,000 | ₹135 | ₹585 | ₹720 |
| ₹21,000 | ₹158 | ₹683 | ₹841 |
| ₹22,000 | Laagu nahi | Laagu nahi | — |
ESIC wages me basic, DA, HRA, transport jaise niyamit bhatte judte hain. Overtime bhi ismein aata hai. Par gratuity, saal me ek baar milne wala bonus aur reimbursement aam taur par nahi jodte.
Salary badhi to cover turant band nahi hota
Ye sabse zyada poocha jaane wala sawaal hai. Aapki salary badhkar 21,000 paar kar gayi — kya agle mahine se ESIC band?
Nahi. ESIC ke do contribution period hote hain — April se September, aur October se March. Aap kisi period ke shuru me daayre me the, to us poore period ke aakhir tak cover chalta rahega, chahe beech me salary badh jaye.
| Kab salary badhi | Cover kab tak |
|---|---|
| Mai me | September ke ant tak |
| January me | March ke ant tak |
Us dauraan katauti asli salary par hi hoti rehti hai, seema par nahi. Yaani 24,000 ho gayi salary par bhi 0.75% usi 24,000 par katta hai — period khatam hone tak.
Iska ek faayda hai jo log dhyaan nahi dete: cash benefit ki patrata bhi usi period se judi hoti hai. Isliye beech me salary badhne par bhi us saal ke faayde haath se nahi jaate.
Milta kya hai — sirf ilaaj nahi
Zyadatar log ESIC ko sirf aspatal samajhte hain. Usme paise wale faayde bhi hote hain, jo kaafi bade hain.
| Faayda | Kya milta hai |
|---|---|
| Medical | Khud aur parivaar ka ilaaj, dawa aur bharti — lagbhag bina rakam ki seema ke |
| Bimari ke din | Kaam se chhutti par nakad rahat, tay dinon tak |
| Maternity | Mahila karmchari ko vetan sahit lambi chhutti ka laabh |
| Durghatna | Kaam ke dauraan chot par lambi rahat |
| Mrityu par | Aashrit ko mahine ki pension aur antim sanskaar ka kharch |
| Berozgaari | Kuch sharton par nirdhaarit samay tak rahat |
Doosri line dhyaan se dekhiye. Niji health insurance bimari ke dinon ki salary nahi deta — wo sirf aspatal ka bill deta hai. ESIC dono karta hai.
Isliye 158 rupaye mahine ki katauti ko salary ka nuksan maanna galat hai. Utne paise me niji bazaar se poore parivaar ka ilaaj aur bimari ke dinon ka bhatta milna lagbhag namumkin hai.
Ek nazar me — 18,000 salary par saal bhar ka ganit
Ek karmchari saal bhar me kitna deta hai, aur uske naam par kul kitna jama hota hai — ye antar dekhne layak hai.
Saal bhar me aapki jeb se lagbhag 1,620 rupaye jaate hain. Uske badle poore parivaar ka ilaaj cover hota hai. Ek aam niji family health policy ka premium isse kai guna zyada hota hai, aur usme bhi bimari ke dinon ka bhatta nahi milta.
Jo galtiyan sabse zyada dikhti hain
ESIC me sabse bada nuksan kagaz ki chhoti galtiyon se hota hai.
- Parivaar ka naam na jodna. Cover parivaar ka hai, par uske liye aashriton ka naam aur Aadhaar record me jodna zaroori hai. Ye kaam zaroorat padne par nahi, pehle hona chahiye.
- Card ka pata hi na hona. Bharti ke waqt ESIC ka number ya card maanga jaata hai. Wo pehle se sambhaal kar rakhiye.
- Naukri badalne par naya number banwa lena. Insurance number ek hi rehta hai. Naya banwane se purana record aur uske faayde toot jaate hain.
- Nazdeeki aspatal na dekhna. ESIC ke apne aspatal aur tie-up wale aspatal hoti hain. Ye pehle se pata hona chahiye, emergency me dhoondhna mushkil hota hai.
- Katauti ka milaan na karna. Company ne kaata par jama nahi kiya — aisa ho sakta hai. Apna yogdaan ESIC portal par jaanchte rehna chahiye.
Apni poori salary ka dhaancha CTC Calculator me aur PF ka hisaab EPF Calculator me dekh lijiye.
Aksar pooche jaane wale sawaal
ESIC me kitna katta hai?
Karmchari ki gross salary ka 0.75% aur company ka 3.25%. Ye 21,000 rupaye mahina tak ki gross salary wale karmchari par laagu hota hai.
Salary 21,000 paar kar jaye to cover turant band ho jaata hai?
Nahi. Chalu contribution period ke aakhir tak cover aur katauti dono chalte rehte hain. Period April se September aur October se March hote hain.
ESIC basic par lagta hai ya gross par?
Gross par. Ismein niyamit bhatte aur overtime bhi judte hain, par gratuity aur saal me ek baar milne wala bonus aam taur par nahi jodte.
Parivaar ka ilaaj bhi ismein aata hai?
Haan, par uske liye aashriton ka naam record me pehle se juda hona chahiye. Ye kaam zaroorat padne se pehle kar lena chahiye.
Naukri badalne par naya ESIC number lena padta hai?
Nahi. Insurance number ek hi rehta hai aur naye employer ko wahi dena chahiye. Naya banwane se purana record toot jaata hai.
Is page ke number aur niyam in sarkari/official jagah se liye gaye hain. Dar aur rules badalte rehte hain, isliye kisi bhi bade faisle se pehle seedha yahan ek baar dekh lein: