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ESIC monthly contributions must be deposited by the 15th of every month for the wages paid in the previous month. Employer contribution is 3.25% and employee contribution is 0.75% of gross wages. Applies only to employees earning ≤₹21,000 per month. Late payment attracts simple interest at 12% per annum.

Provident Fund (PF) contributions must be deposited by the 15th of every month for the previous month's wages. The employer contributes 12% and the employee contributes 12% of basic salary (capped at ₹1,800/month each). Non-payment attracts 12% per annum interest plus damages up to 25% of the arrear amount.

If TDS is not deposited by the 7th of the following month, interest is charged at 1.5% per month (or part of a month) from the date TDS was deducted to the date of actual payment. The AO may additionally levy a penalty equal to the tax amount under Section 271C. Employees may face issues since their Form 26AS will not reflect the TDS until the deposit is made.

Start your GMC renewal at least 30–45 days before the policy expiry date. Most Indian SME group health policies renew in January–March. Begin by September–October to review headcount changes, update sum insured, add or remove dependants, analyse the previous year's claims data, and compare renewal terms. A lapsed GMC policy creates a coverage gap that exposes your employees to financial risk and your company to compliance liability.

For businesses with annual turnover above ₹5 crore, GSTR-3B is due by the 20th of the following month. For businesses under the QRMP scheme (turnover ≤ ₹5 Cr), the quarterly return is due by the 22nd or 24th depending on the state. The 25th in our calendar is a conservative safe deadline. Always verify on the GST portal for your specific turnover category and state.