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EOBI (Employees’ Old-Age Benefits Institution):


A vital component of Pakistan’s social security system, the Employees’ Old-Age Benefits Institution (EOBI) offers financial stability to millions of retired people who have made contributions to the formal private sector labor force. EOBI was founded in 1976 with the goal of reducing poverty and providing seniors with a respectable way of living after they retire. This article explores the EOBI plan, including its eligibility requirements, pension benefits, contribution procedure, institutional obstacles, and significance given Pakistan’s aging population.

History and Background of EOBI

Pakistan did not have a comprehensive private sector pension scheme prior to the establishment of EOBI. The government implemented the Employees’ Old-Age Benefits Act, 1976, which served as the cornerstone of EOBI, after realizing the necessity of a safety net for retired workers. Over time, the institution’s coverage and perks were progressively expanded beyond its initial modest scope.

Purpose and Objectives

EOBI serves several core purposes:

Old-Age Pension:

Gives retired people a monthly pension, guaranteeing them a steady source of income in their later years.

Survivor’s Pension:

Provides financial support to a deceased employee’s dependents who had their EOBI registration active.

Disability Pension:

Offers assistance to employees who suffer persistent disabilities from either work-related or non-work-related causes.

Old-Age Grant:

Provides employees who don’t qualify for a full pension with a one-time grant.

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