Overview & Regulatory Framework

The Employees Old-Age Benefits Institution (EOBI) operates under the EOBI Act of 1976. It serves as the primary social security institution in Pakistan, providing old-age pensions, invalidity pensions, and survivor pensions to employees in the industrial and commercial sectors. Unlike government service pensions, EOBI is mandatory for private sector establishments with five or more employees.

Official Rate Slabs / Schedule (2026)

Eligibility Criteria & Qualifying Conditions

• Minimum Age: 60 years for men and 55 years for women.
• Contribution Period: A minimum of 15 years of insurable employment is required to qualify for a full pension.
• Employer Registration: The employer must be registered with EOBI and regularly paying contributions on behalf of the employee.

Step-by-Step Claim or Application Process

1. Verification: Visit the official EOBI website to check your contribution record and ensure your employer has deposited all dues.
2. Form Submission: Obtain the 'Form PE-01' from the nearest EOBI Regional Office.
3. Document Verification: Submit the form along with required documentation to the field office.
4. Disbursement: Upon approval, the pension is disbursed through the designated bank or ATM card provided by the institution.

Required Documents & Attestation Checklist

• Original and copy of CNIC.
• EOBI Registration Card (Pensioner Card).
• Certificate of retirement from the last employer.
• Bank account details (IBAN) for direct credit.
• Two passport-sized photographs.

Frequently Asked Questions (FAQ)

What is the minimum contribution period for EOBI?

The minimum required period is 15 years. If an employee retires with fewer years of service, they may be eligible for a refund of contributions instead of a monthly pension.

How can I check if my employer is paying my EOBI?

You can use the EOBI online verification portal or visit the nearest regional office with your CNIC to confirm the employer's contribution status.

Is EOBI available for government employees?

No, government employees follow the Civil Servants Act and receive pensions from the Accountant General (AGPR). EOBI is strictly for the private sector.