EOBI Pension in Pakistan – Full Details (2025 Update)

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The Employees’ Old-Age Benefits Institution (EOBI) is a government program in Pakistan that gives pension and financial help to workers after they retire. It was made to support people who work in private companies so they can have income when they are old or unable to work.

How EOBI Works

Every month, both the employee and the employer give a small part of the salary to the EOBI fund.

  • The employer pays around 5% of the minimum wage.
  • The employee pays around 1% of the minimum wage.

This money goes into a national fund that EOBI uses to pay pensions later.

Types of EOBI Pensions

  1. Old-Age Pension
    • Given to workers who reach 60 years of age (men) or 55 years (women).
    • You must have worked and contributed for at least 15 years to get this pension.
  2. Invalidity (Disability) Pension
    • Given to people who become permanently disabled while they are registered with EOBI.
  3. Survivor Pension
    • If a worker passes away, their spouse, children, or parents can get a monthly pension.
  4. Old-Age Grant
    • If someone retires but has less than 15 years of contributions, they get a one-time lump-sum payment instead of a monthly pension.

Recent Update (2025)

In 2025, the government increased the EOBI pension by 15% to help retirees cope with higher living costs.
Now, pensioners are receiving higher monthly payments compared to previous years.

Why EOBI Pension Is Important

  • It helps retired workers live comfortably after leaving work.
  • It gives financial support to families if the worker dies or becomes disabled.
  • It encourages job security and savings for the future.

For many private-sector employees, EOBI is the only source of income after retirement.

Common Problems and Challenges

  • Some small companies don’t register their workers with EOBI.
  • Pension payments are still low compared to rising prices.
  • Many workers are not aware of how to check their registration or apply for benefits.

How to Apply for EOBI Pension

  1. Visit the nearest EOBI regional office.
  2. Fill out the pension application form.
  3. Attach required documents:
    • CNIC (ID card)
    • Employment record
    • Contribution record
    • Employer details
  4. Submit the form and wait for approval.
  5. Once approved, you’ll receive your pension monthly through a bank account or card.

Final Words

The EOBI Pension Scheme is a helpful program for retired workers in Pakistan. It provides monthly financial support after years of hard work.
If you are working in a private company, make sure your employer is registered with EOBI and your contributions are being made regularly.
This small step can secure your future income and peace of mind after retirement.

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