India Benefits Package Builder
Switch benefits on and off and watch the cost and the benchmark score move. Statutory load is calculated from the Labour Codes; supplementary lines use midpoints of published market ranges. Every figure updates as you change it — nothing to submit.
The role
The Code on Wages requires at least 50%.
Insurance
Retirement, wellness and allowances
₹50/meal × 2 × 22 days. Tax-free on the old regime only.
Your package is costed and scored
Enter your details once and the full breakdown opens — after that every figure updates live as you change the design.
Exhibit 1
Where the money goes
Exhibit 2
Your package against the market
Exhibit 3
Signal per rupee — your cheapest next moves
Exhibit 4
Line by line against the market norm
Exhibit 5
What holding this design costs by year 3
- Team medical premium
No group health cover to project. Switch it on to see the renewal curve.
Exhibit 6
How much of your spend the employee actually keeps
Where these numbers come from
- Statutory rates Follow the four Labour Codes in force since 21 November 2025, with central rules notified 8 May 2026: EPF at 12% of basic + DA, ESI at 3.25% of gross below ₹21,000 a month, EDLI at 0.5% on the ₹15,000 ceiling, gratuity accruing at about 4.81% of basic, and statutory bonus at 8.33% on a ₹7,000 base. Basic + DA must be at least 50% of total remuneration under the Code on Wages 2019.
- Insurance premiums Midpoints of published market ranges, not quotes: group health at ₹3,000–15,000 per employee per year depending on sum insured and dependants, with ₹5 lakh the most common base tier; group personal accident at ₹100–500 for ₹10 lakh of cover; group term life at roughly 0.1% of sum assured. Your actual renewal depends on claims experience, age mix and group size. Wellness and check-up figures are directional estimates and should be replaced with your own quotes.
- The benchmark score A weighted composite designed by Wisemonk, not a survey result. It is anchored where published data exists — group health adoption among larger Indian employers, the most common sum insured tier, and the share of employers offering any mental-health cover — and uses judgement where it does not. Treat the band, not the exact number.
- Currency Converts at ₹95.7 to the dollar. Benefits are incurred in rupees; if you budget in dollars, the rate moves your reported cost independently of anything you decide here.
Get this package quoted for real
Wisemonk runs group health, life and accident cover for India teams and can bring back live quotes against the design you just built — including what your group size and age mix actually change.
