Introduction
The Employees’ Old-Age Benefits Institution (EOBI) is one of Pakistan’s most essential welfare programs designed to provide financial stability to retired employees. Established under the Employees’ Old-Age Benefits Institution Act of 1976, it ensures that private-sector workers have a secure income after retirement, offering pension, invalidity, and survivor benefits. In 2025, Employees’ Old-Age Benefits Institution continues to evolve with digital registration and online pension tracking, making it easier for workers and employers alike.
What is EOBI?
EOBI stands for Employees’ Old-Age Benefits Institution, a federal government organization under the Ministry of Overseas Pakistanis and Human Resource Development. Its primary goal is to ensure that workers in the private sector can retire with dignity and receive monthly pensions based on their service years and contributions.
Employees’ Old-Age Benefits Institution acts as a social safety net, protecting employees against the risks of old age, disability, or death. Registered employers contribute a small portion of salaries to EOBI, which accumulates into pension benefits for employees.
How Does EOBI Work?
Employees’ Old-Age Benefits Institution operates on a contributory pension system, where both employer and employee make monthly contributions.
- Employer Contribution: 5% of the minimum wage.
- Employee Contribution: 1% of the minimum wage.
For example, if the minimum wage is Rs. 37,000 (2025), the employer contributes Rs. 1,850, and the employee adds Rs. 370 monthly. Over time, this contribution builds a retirement fund for the employee.
Benefits of EOBI
Employees’ Old-Age Benefits Institution offers multiple financial benefits for registered workers and their dependents:
- Old-Age Pension:
Granted upon reaching 60 years (for men) or 55 years (for women) with at least 15 years of insured service. - Invalidity Pension:
If an insured person becomes permanently disabled before retirement age. - Survivors’ Pension:
If a registered employee passes away, their spouse and minor children receive financial benefits. - Old-Age Grant:
A lump-sum payment for employees who reach retirement age but do not meet the 15-year contribution requirement.
EOBI Registration Process
In 2025, registering for Employees’ Old-Age Benefits Institution has become easier thanks to online systems. Here’s how employees and employers can register:
For Employers:
- Visit the official EOBI website (www.eobi.gov.pk).
- Create an employer account under the Facilitation System.
- Add company details and employee records.
- Generate and pay EOBI contribution challans online.
For Employees:
- Ensure your company is registered with EOBI.
- Obtain your EOBI registration number from your employer.
- Verify your status online using your CNIC on the EOBI portal.
EOBI Payout & Pension Calculation
The Employees’ Old-Age Benefits Institution pension is calculated based on average monthly wages and total years of contribution.
The minimum pension amount (as of 2025) is Rs. 10,000 per month, but it can increase with longer service periods and higher contributions.
Pensioners can receive payments through:
- Bank accounts (Meezan Bank, Bank Alfalah, etc.)
- EOBI Smart Cards
- Digital Pension Disbursement System
EOBI Verification & Online Services
EOBI’s website provides several digital services for convenience:
- Verify your Insured Person (IP) number.
- Check monthly contribution records.
- View pension status and payment history.
- File complaints or update personal details online.
This digital transformation ensures transparency and reduces delays in pension disbursement.
Challenges & Improvements in 2025
While Employees’ Old-Age Benefits Institution has improved drastically, some challenges still exist — including low awareness among small businesses and delayed pension approvals. However, with the government’s EOBI Digital Pakistan Initiative, automation and AI-based monitoring are being implemented to make the process faster and more transparent.
EOBI Contact Information
- Website: www.eobi.gov.pk
- Helpline: 0800-3624
- Head Office: EOBI House, Karachi
- Email: info@eobi.gov.pk
Conclusion
Employees’ Old-Age Benefits Institution remains a pillar of social protection in Pakistan, ensuring millions of workers enjoy financial security after years of service. With growing digital accessibility and improved transparency in 2025, Employees’ Old-Age Benefits Institution is not just a pension system—it’s a symbol of Pakistan’s commitment to the welfare of its workforce. Every registered worker today secures a better tomorrow through EOBI.