EOBI Pension Calculator
Note: Rs 10,000 per month is the minimum EOBI pension (January 2025). This is an estimate only — confirm your actual pension with the Employees’ Old-Age Benefits Institution (EOBI).
The Employees’ Old-Age Benefits Institution (EOBI) is Pakistan’s mandatory social-security net for private-sector workers — the employer contributes 5% of wages (minimum-wage floor), the employee 1%, and EOBI pays pensions on retirement, invalidity, and survivors’ benefits. But “kitni pension banegi?” depends on your contribution years and salary slab. Our free EOBI pension calculator estimates your pension from your service history — and flags the minimum pension of Rs 10,000/month (effective January 2025) that every qualifying pensioner receives regardless.
How EOBI Works
- Registered with: employers of 5+ employees (factories, companies) — both employer and employee contribute
- Employer share: 5% of the minimum wage per insured worker; employee share: 1% of minimum wage
- Pension formula: based on average wages and years of insured service — longer service and higher wages lift the pension
- Minimum pension: Rs 10,000/month (Jan 2025) — no qualifying pensioner gets less
- Survivors: families receive survivors’ pension on the insured person’s death; invalidity pension applies for disability before retirement age
How to Use
- Enter your years of insured EOBI service and your wage level (minimum wage or higher as applicable).
- Click Calculate — your estimated monthly pension appears (floored at the Rs 10,000 minimum).
- Cross-check with your EOBI contribution record — unregistered or gap years don’t count.
Notes
- EOBI benefits hinge on the employer actually registering you and paying — verify your registration (EOBI’s online verification / helpline).
- Age: standard retirement at 60 (men) / 55 (women), with minimum 15 years insured service for old-age pension.
- Government revisions change the minimum pension periodically — this page carries the Jan 2025 floor.
Frequently Asked Questions
Who is eligible for EOBI pension?
Private-sector insured employees with at least 15 years of insured service, retiring at 60 (men)/55 (women). Survivors and disability cases have their own rules.
What is the minimum EOBI pension?
Rs 10,000/month (effective January 2025) — every qualifying pensioner’s floor.
What if my employer never registered me?
You’re entitled to registration and back-contribution claims — EOBI enforcement exists for this. Start with EOBI’s helpline/office with your employment proof.
Can I get EOBI pension with a government pension too?
They’re separate systems; eligibility depends on each scheme’s own service rules — many people qualify for only one.
Does the pension increase with inflation?
Ad-hoc increases are announced by the government from time to time (like the Jan 2025 floor) — there’s no automatic indexation.