What is EOBI – Complete Information and Details about EOBI

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EOBI stands for Employees Old Age Benefits Institution. EOBI is a Semi-Government Autonomous Organization which functions under the Federal Government of Pakistan. Currently, this organization falls under the Ministry of Overseas Pakistanis and Human Resource Development. Before that, it was functioning under the Labor Ministry of the Federal Government.

Establishment and Purpose of EOBI

EOBI was established in July 1976 under an Act of Parliament of Pakistan in compliance with Article 38-C of the Constitution. This article requires the State to “provide for all persons employed in the service of Pakistan or otherwise, social security by compulsory social insurance or other means“. In addition, the Act was promulgated on April 8, 1976 and it took effect from 1st July 1976. For a more detailed history, please click here.


EOBI is applicable to every industry or establishment which has more than 10 employees. They include all employees whether temporary or permanent, part time or full time, daily wagers or otherwise, seasonal or non-seasonal.


There are certain institutions and organizations which are exempted from EOBI coverage. They include Employees of State, Statutory Bodies, Police, Armed Forces, Pak Railways, Local Bodies as well as other Municipal Committees and Authorities.


According to EOBI Act 1976, a fund has been established which is governed by the Board of Trustees. All the contributions collected from the registered organizations are deposited in this Fund, moreover pensions are provided from this fund.

Board of Trustees

EOBI matters are government by the Board of Trustees (BOT) which is a board established according to the EOBI Act 1976. Moreover, this board governs the functioning of EOBI and its president is the Secretary of OP&HRD ministry.


EOBI provides old-age benefits to the workers in the form of pension and grants. In a world where financial stability and security are paramount, the Employees’ Old-Age Benefits Institution (EOBI) stands as a beacon of hope for employees. Established to provide social security to retired and pensionable individuals, EOBI plays a pivotal role in ensuring a comfortable retirement for workers in Pakistan. This article delves into the comprehensive benefits offered by EOBI and sheds light on its importance in safeguarding the future of the workforce.

Understanding EOBI

EOBI, short for Employees’ Old-Age Benefits Institution, is a government organization in Pakistan responsible for managing retirement and pension benefits for employees across various industries. Its primary mission is to provide financial assistance and support to retired employees, ensuring they have a steady income source post-retirement.

Key Benefits of EOBI

Retirement Pensions:

One of the most significant advantages of EOBI is the provision of retirement pensions. After dedicating years to their careers, employees can enjoy a consistent stream of income during their retirement years. This financial cushion allows retirees to maintain their standard of living and cover essential expenses without depending solely on their savings.

Survivor’s Pension:

EOBI not only benefits employees but also extends its support to their families. In the unfortunate event of an employee’s demise, the surviving spouse and dependent children are eligible for a survivor’s pension. This safety net ensures that the family’s financial needs are met, even in the absence of the primary breadwinner.

Invalidity Pension:

EOBI also caters to individuals who become disabled or incapacitated due to illness or injury during their employment. The institution provides an invalidity pension to such individuals, helping them sustain their livelihood and manage medical expenses.

Old-Age Grants:

EOBI offers old-age grants to employees who have not been able to complete the minimum qualifying service period for pension eligibility. While these grants may not be as extensive as pensions, they still provide much-needed financial support during the golden years.

Widows’ and Orphans’ Grants:

In cases where an employee has no surviving spouse or children, EOBI grants financial assistance to widows and orphans. This compassionate gesture aids vulnerable individuals in maintaining a basic standard of living.

The Significance of EOBI

EOBI’s significance cannot be overstated, as it addresses a critical societal concern: the financial vulnerability of retirees. In a world where uncertainties abound, EOBI offers a sense of security that resonates with employees across the nation. By alleviating financial worries, EOBI empowers retirees to lead dignified lives without becoming burdens on their families or society.

The Employees’ Old-Age Benefits Institution (EOBI) serves as a lifeline for employees in Pakistan, guaranteeing their financial well-being during retirement. Notably, its benefits encompass retirement pensions, survivor’s pensions, invalidity pensions, and various grants. This collective support underscores EOBI’s role as a tangible representation of the government’s unwavering commitment to its workforce. As diligent individuals invest substantial time and effort into their careers, EOBI reciprocates by diligently safeguarding their future. This resounding commitment epitomizes the belief that retirement should seamlessly mark the initiation of a new chapter rather than an unsettling period of financial uncertainty.

Criteria for EOBI Pension

EOBI pension is the right of every workers who attains the age of 60 years and has 15 years of service. Moreover, the worker has to work in any EOBI Registered Employer. In case where a person dies during service, then only three years service is necessary. Whereas in cases where a person dies before 60 years, but has 5 years service and has left his job due to any reason, then such a person’s wife is also eligible for pension. The same criteria is for females and in case of their death for their husbands, except that a female is eligible for EOBI pension when she reaches 55 years of age.

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