
An industrial belt and a dense residential one sharing a pin code — where a great many couples are known to everybody around them and recorded almost nowhere, and where three of the six benefits in the ESI Act are addressed not to the worker but to the worker’s family.
Quick answer: First, which route is actually yours. If you are a Muslim couple, an Arya Samaj ceremony is not your route and we will not offer it — nikah solemnises your marriage, the nikahnama is your document, and registration, corrections and duplicates have their own pages here. Hindu, Sikh, Jain and Buddhist couples take the Arya Samaj ceremony with registration; an interfaith couple takes the Special Marriage Act, and nobody here will suggest converting to make a file faster. Second, why it matters in this belt. Under the Employees’ State Insurance Act, 1948, section 46(1)(f) pays funeral expenses to “the eldest surviving member of the family”; section 46(2) lets the Corporation extend medical benefits to the family of an insured person; section 56(1) entitles “a member of his family” to medical benefit; and section 2(11) defines family with clause (i) reading simply “a spouse”. After a fatal accident at work, section 52 gives dependants’ benefit, and section 2(6A)(i) names “a widow” first — with none of the “wholly or in part dependant” qualification that the later clauses carry. Every one of those provisions turns on a word, and at a counter that word is a document. Ceremony ₹5,100, with registration ₹7,100, a wedding already held ₹6,000, SMA ₹15,000. We do not file ESI claims, advise on coverage, or provide witnesses.
Okhla is not one place. On one side of the road there is Okhla Industrial Area — Phase I, Phase II, Phase III — where several thousand units employ people in printing, garments, packaging, electronics, food processing and every kind of job work. On the other side there is Jamia Nagar, Batla House, Zakir Nagar, Abul Fazal Enclave and Shaheen Bagh: dense residential colonies, a very large student population around the university, and households where three generations live in one building.
What the two sides share is a documentary pattern. A great many married couples here are perfectly well known to everybody around them and recorded almost nowhere. The rooms are rented and the agreements run eleven months. The employer is often a contractor rather than the factory whose name is on the gate. The address on an Aadhaar card frequently belongs to a district in Bihar, eastern Uttar Pradesh or West Bengal. And the wedding, whenever it happened, produced a ceremony, a meal, photographs and no piece of paper that any office in Delhi will read.
This page is about one specific consequence of that, and it is not a small one. If you work in a unit covered by the Employees' State Insurance Act, your spouse's access to treatment, and a widow's entitlement after a fatal accident at work, both turn on the law's own definitions of "family" and "dependant" — and both of those begin with the marriage.
The general law of marriage and registration is on our process, documents and registration pages; the prices are on the fee page; none of it is repeated here.
Before anything else, because this belt more than any other in Delhi gets sold the wrong service, and we would rather lose the work than take it.
If you are a Muslim couple, an Arya Samaj ceremony is not your route and we will not suggest it. Your marriage is solemnised by nikah, your document is the nikahnama, and what you generally need from an office in Delhi is registration and, where something is wrong or missing, a correction or a duplicate. We have separate pages for all of that — nikah, registration of a Muslim marriage, the marriage deed, nikahnama and affidavits, and duplicates and corrections — and everything on the rest of this page about ESI applies to you exactly as it applies to anybody else. Nobody at this office will try to move you onto a Hindu ceremony to make a sale.
If you are a Hindu, Sikh, Jain or Buddhist couple — and this belt has plenty, particularly among people who came to Delhi for work in the industrial area — the Arya Samaj ceremony with registration under the Hindu Marriage Act is the ordinary, quick and inexpensive route.
If the two of you are of different religions and neither wishes to convert, the Special Marriage Act exists for precisely that, with a published notice and a statutory waiting period. It is set out on our inter-religion marriage page, and there is also a page on the choice between a nikah and the civil route. We will not press anybody in any direction on this, and we will not suggest a conversion to make a file faster.
If you are a student. The university area produces a particular kind of call — two adults, both over eighteen and twenty-one respectively, families in two different states, nobody with an address of their own. That is an ordinary file, it is lawful, and the method for building it out of nothing is on our Laxmi Nagar page. What we will not do is any file where somebody is under age, however the dates are presented to us.
Most people in the industrial area know ESI as a deduction on the salary slip and a card that gets used at a dispensary. The statute is more specific than that, and the parts of it that matter to a married couple are worth reading once.
Section 46(1) of the Employees' State Insurance Act, 1948 lists the benefits, and we quote it rather than paraphrase:
| Clause | The Act's own words |
|---|---|
| 46(1)(a) sickness benefit | "periodical payments to any insured person in case of his sickness" |
| 46(1)(b) maternity benefit | "periodical payments to an insured woman in case of confinement or mis-carriage" |
| 46(1)(c) disablement benefit | "periodical payments to an insured person suffering from disablement as a result of an employment injury" |
| 46(1)(d) dependants' benefit | "periodical payments to such dependants of an insured person who dies as a result of an employment injury" |
| 46(1)(e) medical benefit | "medical treatment for and attendance on insured persons" |
| 46(1)(f) funeral expenses | "payment to the eldest surviving member of the family of an insured person who has died, towards the expenditure on the funeral", the amount not to exceed such amount as may be prescribed by the Central Government |
Look at the language in the last three. Dependants' benefit. Funeral expenses to the eldest surviving member of the family. Medical benefit which, by section 46(2), "the Corporation may, at the request of the appropriate Government, and subject to such conditions as may be laid down in the regulations, extend … to the family of an insured person."
Three of the six benefits in the principal section are therefore addressed not to the worker but to the worker's family or the worker's dependants — and both of those are defined terms with their own sub-sections. Which is where this stops being a labour-law page and becomes a marriage page.
Section 2(11) of the Act defines "family". The first item on the list is short enough to quote whole:
"(i) a spouse"
The remaining clauses cover a minor legitimate or adopted child dependent on the insured person; a child wholly dependent on his earnings, subject to conditions of age and education; a child infirm by reason of any physical or mental abnormality or injury and wholly dependent on those earnings; dependent parents whose income from all sources does not exceed such income as may be prescribed; and, where the insured person is unmarried and the parents are not alive, a minor brother or sister wholly dependent on the earnings.
Then section 56(1) connects the definition to actual treatment: "An insured person or (where such medical benefit is extended to his family) a member of his family whose condition requires medical treatment and attendance shall be entitled to receive medical benefit."
So the chain is complete and it is very short. Medical benefit may be extended to the family. The family includes a spouse. A spouse is a person who is married to the insured person. That last step is the one that costs households in this belt, because at a dispensary counter or a hospital admission desk it is not a philosophical question — it is a question about a document.
What this looks like in practice. A worker in Phase II is covered. His wife needs treatment, or is pregnant, or a child needs admitting. Somebody asks for the card and for the family's particulars. In a household where the wife was never recorded as the wife — never entered as family with the employer, never on any government record as a spouse — the conversation that follows is not about entitlement. It is about proof, conducted at the worst possible moment, by people who have taken a day off work to be there.
And a household that has a marriage certificate simply hands it over.
Two honest limits. Whether medical benefit is extended to families, and on what conditions, is a matter for the Corporation, the appropriate Government and the regulations — section 46(2) is an enabling provision, not a guarantee we can make on anybody's behalf. And the forms, the declaration of family particulars and every step of the ESI procedure belong to ESIC and to your employer, not to us. We do not file ESI claims, we do not obtain cards, we take no fee for anything in that world, and nothing on this page should be read as our promising an outcome there.
This is the part of the statute nobody reads until the week they must, and it is the reason this page exists.
Section 52 provides for dependants' benefit: if an insured person dies as a result of an employment injury sustained as an employee under the Act, dependants' benefit is payable to the specified dependants as prescribed by the Central Government; and sub-section (2) provides that where there are no such qualifying dependants, the benefit is paid to the other dependants of the deceased on conditions the Central Government sets.
So everything turns on who is a "dependant". Section 2(6A) answers it, and clause (i) is where the reader should stop:
"(i) a widow, a legitimate or adopted son who has not attained the age of twenty-five years, an unmarried legitimate or adopted daughter"
Clause (ia) adds a widowed mother. Clause (ii) covers a legitimate or adopted son or daughter who has attained twenty-five and is infirm, if wholly dependent on the earnings of the insured person at the time of his death. Clause (iii) reaches a further group who were wholly or in part dependent on those earnings at that time — parents, illegitimate children, siblings, widowed daughters-in-law, children of a pre-deceased member of the family, and paternal grandparents.
A widow is the first person named in the section. Not a claimant who must establish need, not somebody who has to show she was financially dependent — clause (i) does not carry the "wholly or in part dependant" qualification that clause (iii) carries. Her position in the statute is about as strong as a position gets.
And the whole of it rests on the word "widow." Which means it rests on her having been a wife, which means it rests on a marriage that somebody, at some point, can show. In a belt where an enormous number of weddings happened in another state, before relatives who have since moved, with photographs and nothing else, that is not a small assumption. It is the assumption the family will be asked to prove in the fortnight after a factory accident.
The same word reappears in the funeral-expenses clause. Section 46(1)(f) directs the payment to "the eldest surviving member of the family of an insured person who has died" — and "family", again, is the section 2(11) list that opens with a spouse.
We are not going to pretend this is a cheerful section. It is here because a registration that costs a few thousand rupees today is the difference between a form and an argument on the worst day a working family has.
Four things, in this order, and only the first one costs money.
One — register the marriage. Whenever it happened, in whichever state, under whichever law applies to you. It is the single document that answers the "is she a spouse" question in every institution on this page and several that are not. A wedding from an earlier year is ordinary work, and as set out further down, the delay does not make it more expensive over time.
Two — make sure your employer's records and your ESI particulars name your family. Ask, in writing if you can, what family particulars are recorded against your insurance number and whether they are current. This costs nothing, it is your own information, and the moment to find out it is blank is not the moment somebody is being admitted.
Three — get at least one record into your own name at your Delhi address. A bank account, an electoral roll entry, an Aadhaar carrying the address where you actually live. For a household renting a room with an eleven-month agreement and an Aadhaar from another state, the full method is set out on our Laxmi Nagar and Burari pages, the second of which explains why every agreement in this city runs for eleven months.
Four — write a nominee against whatever you have. A bank account, a policy, a provident fund. What a nomination does and does not settle is on our Pitampura and Malviya Nagar pages.
Total: one fee, one conversation with a supervisor, two free applications. It is a small list and it is the difference between a family that is covered on paper and a family that is only covered in fact.
A question worth asking yourself before any of the above matters, because in this belt the answer is frequently not the one people assume.
A very large number of people working in Okhla's phases are engaged through a contractor, a manpower agency or a supervisor who assembles a crew, rather than directly by the unit whose board hangs at the gate. Others work in units small enough that nobody has explained what is deducted or why. Others again are paid partly in cash. None of that is unusual and none of it is this page's business to judge; what matters is that a worker who does not know whether he is covered cannot know whether his wife is covered either.
So find out, calmly and in the ordinary way. Look at the salary slip if there is one and see whether a contribution is shown. Ask the supervisor or the accounts person for your insurance number. If you were told a card exists, find out what particulars sit behind it. These are not confrontational questions and they are your own details.
And if the answer is that you are not covered at all, that is worth knowing too, because then the family's protection has to be built out of the ordinary records instead — a bank account, a nominee, an insurance policy if one is affordable, and above all a marriage that is registered, since every one of those instruments eventually asks the same question about who your spouse is.
What we do not do here should be stated as plainly as everything else: we do not advise on employment status, coverage, contributions, disputes with a contractor, or anything else in labour law. Those belong to ESIC, to the labour authorities, and where it goes wrong to an advocate or a union. Free legal aid, and who qualifies for it without any income test, is set out on our Vikaspuri page.
You will not find an office named anywhere on this site. Allocation follows the address exactly as written on the form; Delhi's sub-divisional boundaries were reworked through 2026; a name printed today can quietly go stale and cost a reader a morning and a bus fare. Read us the address precisely as your Aadhaar carries it, we establish where it currently reports, and you have the answer before anything is paid.
Two points for households holding old papers. A reorganisation does not reach backwards — a certificate granted years ago is unaffected by any later renaming. And a register entry is not lost when an office changes its nameplate; the successor office holds those books, so a missing record is usually a question of locating it. Our Mayur Vihar Phase 2 page sets out the written representation and, if that fails, the RTI route. Where a file has simply stopped moving, the Lajpat Nagar page explains Delhi's service-guarantee law and the compensation an unpunctual officer personally owes.
The boundary here is a river and it is closer than the traffic suggests. Okhla, Jamia Nagar, Batla House, Zakir Nagar, Abul Fazal Enclave, Shaheen Bagh, Jasola, Sarita Vihar, Kalindi Kunj and Madanpur Khadar are Delhi. Cross the Yamuna at Kalindi Kunj and you are in Noida, which is Uttar Pradesh, with its own registration machinery and its own portal; Faridabad, a short run south, is Haryana. People in this belt genuinely live on one side and work on the other without thinking about it, and it matters twice: a marriage is solemnised where the ceremony physically takes place, and on the civil route a notice begun in the wrong state cannot be carried across — it restarts from day one, which is a month gone. Say on the first call where each of you actually lives.
There is a related point for the very large number of couples here whose families are in Bihar, eastern Uttar Pradesh, Jharkhand or West Bengal. Registering in Delhi is available to you where the marriage was solemnised here or where either of you resides here. Whether Delhi is the sensible place to do it depends on where you intend to live, and if the honest answer is your home state we will say so rather than take work that belongs somewhere else.
| Area | What the file usually turns on here |
|---|---|
| Okhla Industrial Area Phase I, II and III | Coverage, and whether the family's particulars are recorded anywhere. Find your insurance number before you need it. |
| Jamia Nagar, Batla House, Zakir Nagar | Nikah and registration of a Muslim marriage — see the pages linked above; an Arya Samaj ceremony is not the route. |
| Abul Fazal Enclave, Shaheen Bagh, Jasola Vihar | Dense rented housing and eleven-month agreements; build the file from records in your own name. |
| The university belt | Two adults, two home states, no address of their own. Ordinary, lawful, and entirely doable. |
| Sarita Vihar, Kalindi Kunj, Madanpur Khadar | Shift work and proving your side of the file — our Sarita Vihar page. |
| Kalkaji, Govindpuri, Tughlakabad | The same worker households one road west, with the same documentary gaps. |
| Noida and the far side of the Yamuna | Uttar Pradesh. Different law, different portal, different office. |
| Faridabad | Haryana — our Faridabad page deals with it separately. |
This is the practical obstacle in this belt, and it is worth naming rather than pretending it away. A couple who came to Delhi for work or for study has no relatives in the city. The people they know best are colleagues on the same shift, a landlord, a shopkeeper, classmates. And the registration happens on a weekday morning, which is exactly when a colleague on the same shift cannot come.
The answer is not to look for somebody more important. It is to look for somebody more available. A person on a different shift. A neighbour in the same building who works locally. A classmate with no lecture that morning. What the office needs is two adults who will attend and sign; it does not need anybody senior, related, or impressive.
The role is narrower than people fear. Each witness turns up and signs before the officer confirming two facts — that these are the people they say they are, and that the marriage took place. Nothing is being guaranteed, no liability is being taken on, and nobody is promising anything about what happens afterwards. If the person you ask hesitates, that sentence usually settles it.
Each brings, in original and in their own name: photo identity and proof of address. Nothing is prepared in advance, nothing is sent ahead, and a signature is never entered on behalf of somebody who is not in the room. Eligibility is covered properly on our witnesses page.
One rule does not bend. We will not supply witnesses and we will not quietly arrange them through somebody else, at any figure. In a belt where a great many services can be bought for cash, this is the one that cannot, and the reason is simple: a signature bought from a person who was not there is worth nothing to the file it is supposed to protect. Ask two people who know you. Give them a fortnight's notice, confirm two days before, and keep a third name in reserve.
One — assuming that because everyone knows you are married, the record does too. A dispensary counter, an admissions desk and a claims file all ask for paper, and none of them has met your neighbours.
Two — never finding out whether you are covered. A worker who does not know his own insurance number cannot know what protection his wife has. The time to ask is an ordinary Tuesday, not an emergency.
Three — assuming family particulars were recorded when you joined. Frequently they were filled in when the worker was unmarried and never touched again.
Four — taking an Arya Samaj ceremony because somebody told you it is faster. If you are a Muslim couple it is not your route at all, and anybody who suggests it to you is selling rather than advising.
Five — converting to make a file quicker. Never a good reason, and the Special Marriage Act exists precisely so that two people of different faiths need not do it.
Six — leaving the Aadhaar address in the home district for years. It is the first document every counter reads and among the easiest to correct.
Seven — planning the registration around relatives who will travel from the village. They will not arrive on a Tuesday morning. Choose witnesses who live here.
Eight — paying cash to an agent who promises a certificate without either of you attending. Both parties appear in person where both are required; anybody saying otherwise is taking your money.
Nine — losing the entry particulars. Entry number, date, issuing office. Photograph the certificate the day it arrives and the rest becomes easy forever.
Ten — filing the certificate away without reading it. Six fields and two minutes. A wrong spelling caught now is a correction; found in year ten it is an explanation you repeat at every counter for the rest of your life.
Four routes and four figures. Everything else — duplicates, corrections, apostille handling, the premium service, and the small sums the government itself takes — is itemised on our fee page, so that there is exactly one place on this site where a price can go out of date.
| Route | Our fee | Who it suits in this belt |
|---|---|---|
| Arya Samaj ceremony at our mandir | ₹5,100 | For Hindu, Sikh, Jain and Buddhist couples. The rites and the institution's certificate; section 7 marries you that day, though no government register knows it yet. |
| Ceremony with registration handled | ₹7,100 | The sensible choice for a working couple who need the document, not just the day. |
| A wedding already held, brought onto the record | ₹6,000 | Including a wedding held in Bihar, eastern Uttar Pradesh, Jharkhand or Bengal years ago. Registration of a Muslim marriage is dealt with on its own pages. |
| Special Marriage Act, whole route | ₹15,000 | The civil route, for an interfaith couple or anybody who prefers it. Its notice is published and open to objection. |
Three further sums go to the State and not to us, and they are small: ₹100 for the Marriage Clerk, the ₹200 requisite fee that Delhi's 2014 Order fixes, and, on the civil route only, ₹15 for the District cashier. You are handed every receipt the counter issues. Where the wedding is years old, the Order adds ₹500 if the file is lodged in the second sixty days and ₹1,000 thereafter as a penalty the ADM or DM may waive — two fixed figures, and not a running meter. A marriage from 2011 costs the same as one from this spring, which is why putting it off another year saves a household nothing whatsoever. The route is on our late registration page.
What has no price because it is not for sale: witnesses, an earlier date than the true one, a guarantee about how a named officer will act, a certificate produced without both parties attending, or any promise at all about ESI — a subject on which we take no fee, file nothing, and represent nobody.
Sourced — the Employees' State Insurance Act, 1948. Section 46(1), whose six clauses are quoted in the table above, including 46(1)(d), "periodical payments to such dependants of an insured person who dies as a result of an employment injury", and 46(1)(f), "payment to the eldest surviving member of the family of an insured person who has died, towards the expenditure on the funeral", the amount not exceeding such amount as may be prescribed by the Central Government. Section 46(2), that "the Corporation may, at the request of the appropriate Government, and subject to such conditions as may be laid down in the regulations, extend the medical benefits to the family of an insured person." Section 56(1), that "an insured person or (where such medical benefit is extended to his family) a member of his family whose condition requires medical treatment and attendance shall be entitled to receive medical benefit." Section 2(11), defining "family", whose clause (i) is "a spouse", with the further clauses covering a dependent minor child, a wholly dependent child subject to conditions of age and education, an infirm child wholly dependent on the insured person's earnings, dependent parents within a prescribed income, and, where the insured person is unmarried and the parents are not alive, a wholly dependent minor brother or sister. Section 2(6A), defining "dependant", whose clause (i) is "a widow, a legitimate or adopted son who has not attained the age of twenty-five years, an unmarried legitimate or adopted daughter", with clause (ia) a widowed mother, clause (ii) an infirm son or daughter over twenty-five wholly dependent on those earnings at the time of death, and clause (iii) a further group wholly or partly so dependent. And section 52, under which dependants' benefit is payable where an insured person dies as a result of an employment injury sustained as an employee under the Act, with sub-section (2) providing for payment to other dependants where there are no qualifying dependants.
Sourced — the marriage law. From the Hindu Marriage Act: section 7, making the customary rites the act of solemnisation; section 5(ii), making free consent a condition; and section 8, whose object is facilitating proof. From Delhi's 2014 registration Order: Order 8, that registration will not tantamount to validity, together with the ₹200 requisite fee, the sixty-day window, the ₹500 condonation and the ₹1,000 penalty. From the Delhi Revenue Department: the ₹100 for the Marriage Clerk, the ₹15 for the District cashier, and the periods it publishes — ordinarily a fortnight for a Hindu Marriage Act file, ordinarily two months where the solemnisation is under the Special Marriage Act. From the Special Marriage Act: the notice entered in the Marriage Notice Book and the month during which it may be inspected and objected to. And from the Ministry of External Affairs: ordinary attestation free of charge, with ₹50 per document or page for an apostille.
What this page cannot tell you. Whether you personally are covered by the ESI Act, or what is recorded against your insurance number — that is for your employer and for ESIC, and nothing here is a substitute for asking them. Whether medical benefit is extended to families in your case and on what conditions — section 46(2) is an enabling provision operating through the appropriate Government and the regulations, not an assurance anybody outside the Corporation can give. What any claim is worth, how it is computed, or how long it takes. Anything about employment status, contributions, contractors or a dispute at work — labour law, and where it goes wrong, work for an advocate or a union. And which office serves a given address, allotted on the exact address after boundaries that moved in 2026. Put at its shortest: we solemnise and register marriages. We do not file ESI claims, obtain cards, advise on coverage, or take a rupee from anything in that system. Every word about it here is explained free, so that a working family knows the shape of it before it matters.
One — tell us your religion and your partner's, at the start. Not out of curiosity: it decides which of the routes above is actually yours, and it is the fastest way to avoid being sold something that does not fit.
Two — say whether the wedding has already taken place, roughly when, and in which state. An older wedding from another state is routine work here and the delay adds nothing to the cost.
Three — have both Aadhaar addresses as the cards actually print them, and the names of two people in Delhi who can come on a weekday morning.
The number is +91 8376863962. You will hear which route fits, what we charge, and how much of that is the State's share — before any payment. If the honest answer is that your file belongs to your home state, or that what you need is ESIC rather than us, that is what you will be told, and the conversation costs nothing either way.
Expert articles on every marriage topic — read before you decide
Complete 2026 process from notice to certificate.
Read Article →Full checklist — Aadhaar, affidavits, witnesses.
Read Article →Transparent breakdown — official + service costs.
Read Article →Your rights, family pressure, police protection.
Read Article →Apostille, Embassy NOC, spouse visa explained.
Read Article →Honest truth about Arya Samaj same-day option.
Read Article →