EPF and ESIC — automated, accurate, always on time
OpticompBharat computes employee and employer shares every payroll cycle, generates EPFO-ready ECR files, and produces ESIC challans — with zero manual entry.
Provident Fund — what you need to know
- Threshold: Mandatory when the establishment employs 20 or more persons, including contract workers.
- Employee contribution: 12% of Basic + DA — no ceiling on the employee's share.
- Employer split: 3.67% to EPF + 8.33% to EPS (capped at ₹15,000 basic) + 0.50% EDLI + 0.50% admin (min ₹500/month).
- ECR: Electronic Challan cum Return generated in EPFO Unified Portal-ready format with UAN-wise breakdowns.
- Proration: New joiner and exit-month contributions prorated automatically.
- VPF: Voluntary Provident Fund contributions supported — employee can opt to contribute beyond 12%.
State Insurance — what you need to know
- Threshold: Mandatory for factories with 10+ workers; shops and offices with 10+ employees.
- Wage ceiling: Employees earning ≤ ₹21,000/month gross must be enrolled. Ceiling reviewed every two years.
- Rates: Employee 0.75% + Employer 3.25% of gross wages.
- Contribution periods: Apr–Sep and Oct–Mar. Coverage continues even if salary crosses ₹21,000 mid-period.
- Challan: Generated in ESIC online portal upload format — ready to submit without reformatting.
Contribution rates at a glance
| Component | Employee | Employer | Cap / Note |
|---|---|---|---|
| Employee PF (EPF) | 12% of Basic+DA | 3.67% of Basic+DA | No cap on employee; employer share capped at ₹15,000 basic |
| Employer EPS (Pension) | — | 8.33% of Basic+DA | Capped at ₹1,250/month (8.33% of ₹15,000) |
| EDLI (Insurance) | — | 0.50% of Basic+DA | Capped at ₹15,000 basic |
| EPF Admin Charges | — | 0.50% of Basic+DA | Minimum ₹500/month |
| ESIC (Employee) | 0.75% of gross wages | — | Employees earning ≤ ₹21,000/month |
| ESIC (Employer) | — | 3.25% of gross wages | Employees earning ≤ ₹21,000/month |
What OpticompBharat does automatically
Monthly computation without manual input
Employee and employer shares calculated automatically from payroll data — Basic, DA, and gross wages extracted per employee.
EPFO-ready ECR generation
Electronic Challan cum Return exported in the exact format EPFO's Unified Portal accepts — UAN-wise, with new joiner and exit-month proration.
ESIC challan in portal format
Contribution challan generated per the ESIC online portal's upload spec. Covers both contribution periods: Apr–Sep and Oct–Mar.
Voluntary PF (VPF) and ceiling-crossing handled
Supports VPF declarations. Employees who cross ₹21,000 mid-period remain covered through end of the ESIC contribution period — tracked automatically.
Deadline alerts and compliance calendar
ECR filing and ESIC challan due dates surfaced in your compliance calendar. Never miss the 15th or 21st of the month again.
Penalties for default — EPF and ESIC
- EPF:12% interest per annum on overdue contributions + damages up to 25% of arrears + criminal prosecution under Section 14 of the EPF Act (imprisonment up to 3 years).
- ESIC:12% simple interest per annum on unpaid contributions + 25% additional damages under Section 85B of the ESI Act.
- Note:Inspectors can audit up to 5 years of records. OpticompBharat keeps audit-ready contribution histories from day one.
Stop computing EPF and ESIC in spreadsheets.
OpticompBharat automates every calculation, generates your ECR and challan files, and keeps your compliance calendar current — free for one year, up to 50 employees.