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Free tool · updated 11 Oct 2026

Free MSME compliance check, in 15 minutes

Answer simple questions about PF, ESIC, the new Labour Codes and MSME rules. You get a score, the gaps to fix first, and a free review on WhatsApp.

NEW PF wage ceiling is now ₹25,000 from 17 Sep 2026
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Up to 17 questions Free, no sign-up Answers stay on your device
17 Sep 2026₹25,000New EPF wage ceiling (was ₹15,000)
No change₹21,000ESIC wage ceiling (₹25,000 for persons with disabilities)
21 Nov 20254 Labour CodesIn force: appointment letters, 50% wage rule, 1-year gratuity
Every month15thDue date for PF and ESIC payments
You are looking at an example. A made-up 24-person garment unit in Tiruppur, so you can see how the results look.
 

Sources (checked 11 Oct 2026)

  1. PIB: India’s Labour Reforms (Code on Social Security: ESIC pan-India, wage definition, fixed-term gratuity, appointment letters, digital records).
  2. KPMG: EPFO wage ceiling raised to ₹25,000 (notification S.O. 5109(E), effective 17 September 2026).
  3. KPMG: Labour Codes in force from 21 November 2025 (appointment letters, health check-ups, ESIC for hazardous work).
  4. ESIC: contribution rates and due date (3.25% employer, 0.75% employee, within 15 days of month end).
  5. ESI wage ceiling holds at ₹21,000 for FY 2026-27.
  6. EPFO: employer services and coverage (establishments with 20 or more employees).
  7. EPF damages reduced to 1% per month (notifications dated 14 June 2024).
  8. Udyam Registration portal (free, Aadhaar-based; MSME limits from 1 April 2025).
  9. MSME-1 return and the 45-day payment rule (MSMED Act section 15, Income Tax section 43B(h)).
  10. SHe-Box (Ministry of Women & Child Development) for POSH Internal Committees.
  11. Section 43B(h) becomes section 37(2)(g) under the Income-tax Act, 2025 (from tax year 2026-27).

This check gives general guidance on central government rules. It is not legal advice and does not cover state rules such as Shops & Establishments registration, Professional Tax or Labour Welfare Fund. Central rules under the Labour Codes are notified, but state rules are still rolling out, so some details may change.

© Kalvee Business Solutions · Statutory compliance, social security advising, websites and social media for Indian MSMEsUpdated 11 Oct 2026
Why take the check

15 minutes today can save months of penalties

Most small businesses miss a rule simply because nobody told them it applied. The check changes that.

  • 17simple questions
  • 15minutes, at most
  • 5compliance areas
  • ₹0always free

Avoid penalties

Late PF and ESIC payments attract interest and damages every month. Spot gaps before an inspector or a notice does.

Know exactly what applies

Your headcount and business type decide which laws apply. The check shows only the rules that matter to you.

A fix-first list

Get your top five gaps in order of risk, each with a plain-English fix and an official source.

Labour-code ready

Updated for the four labour codes in force since 21 November 2025 and the ₹25,000 PF ceiling from 17 September 2026.

Free and private

No sign-up, no payment. Your answers stay in your browser; we only count completed checks, anonymously.

Free expert review

Send your results on WhatsApp and get a free 15-minute call to plan your next steps.

How it works

Three steps to a clear picture

  1. 1

    Tell us about your business

    Headcount, business type and a few yes/no questions decide which rules apply to you.

  2. 2

    See your score and gaps

    Your score updates as you answer, with each area marked on track, needs attention or at risk.

  3. 3

    Get a free review

    Send your results on WhatsApp. We go through the gaps with you in a free 15-minute call.

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Infographic

Which rules apply to you?

Move the sliders to see the main central rules for your headcount and an employee’s monthly wages.

1102050+
₹5k₹21k₹25k₹40k
  • Minimum wages, paid on timeEvery employer, under the Code on Wages.
  • Written appointment lettersEvery employee, under the labour codes.
  • ESIC registration and coverFrom 10 employees (or 1 in hazardous work), for staff earning up to ₹21,000.
  • POSH Internal CommitteeFrom 10 employees.
  • Gratuity coverageFrom 10 employees: after 5 years (1 year for fixed-term staff).
  • EPF registration and PFFrom 20 employees; compulsory for wages up to ₹25,000.

A general guide to central rules. Your state and business type can add more, such as Shops & Establishments, Professional Tax and Labour Welfare Fund. The full check below tells you exactly.

Infographic

Your month at a glance

The four dates most MSMEs must remember every month, for the previous month’s payroll and sales.

12345678910111213141516171819202122232425262728293031
  • 7thTDS / TCS deposit
  • 11thGSTR-1
  • 15thPF ECR and ESIC
  • 20thGSTR-3B and GST payment
  • 30 Apr
    31 Oct    MSME-1 return (companies with MSE dues over 45 days)

Open the free due-date tracker

Official resources

Check it yourself on the official portals

Every rule in the check comes from these government websites. Links open in a new tab.

EPFEPFO Employer PortalRegister, file ECR and pay PFESIESIC PortalRegister employees and pay ESICSSShram SuvidhaLabour registrations and returnsLCLabour CodesMinistry of Labour and EmploymentUDUdyam RegistrationFree MSME registrationSBSHe-BoxPOSH Internal Committee detailsGSTGST PortalGSTR-1, GSTR-3B and paymentsITIncome Tax e-FilingTDS, returns and challansMCAMCA PortalMSME-1 and company filingsMSMSME SamadhaanDelayed payment complaints

We are not affiliated with any government portal. Always use the official websites above and never pay anyone for free registrations such as Udyam.

Keep going

Free tools and guides to fix your gaps

Free toolSalary, PF & ESIC calculatorTake-home, employer cost and PF/ESIC for one employee.Free toolGratuity calculatorEligibility and amount under the new code.Free toolAppointment letter generatorA ready-to-sign letter in minutes.
GuidePF wage ceiling is now ₹25,000: employer guide GuideMonthly compliance calendar for Indian businesses6 All free toolsCalculators, tracker and templates
FAQ

Common questions

Is the check really free?

Yes. The check and the 15-minute review call are both free. If you want us to fix the gaps, we share a clear quote first.

Is my data stored anywhere?

No. Your answers are saved only in your own browser so you can come back later. We only record an anonymous count of completed checks. Your answers reach us only if you tap “Send my results on WhatsApp”.

What does the score mean?

80% or more means you are mostly compliant. 50–79% means there are gaps to fix soon. Below 50% means a high risk of penalties, damages or notices.

Does it cover state rules?

It covers central rules: PF, ESIC, the Labour Codes, POSH and MSME payment rules. State rules such as Shops & Establishments, Professional Tax and Labour Welfare Fund are covered in the review call.