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EOBI Pension · Pakistan
What will your EOBI pension actually pay?
Rs
EOBI contributions are based on the notified minimum wage at the time, not your actual salary — so this is usually close to the minimum wage rather than your real pay.
20
At least 15 years are required for a monthly pension. Below that, but 2+ years, gets a one-time Old-Age Grant instead.
Estimated monthly pension
Rs 0
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Calculation
How this works
The formula, and why it's often modest
Monthly pension = (average monthly insured wage × years of service) ÷ 50. Because contributions are calculated on the minimum wage rather than your actual salary throughout your career, the "insured wage" in this formula is usually much lower than what you actually earned — which is why EOBI pensions are widely described as modest regardless of your real career earnings.
The minimum pension floor
If the formula produces less than the guaranteed minimum pension (currently Rs 11,500/month, effective 1 January 2026 after a 15% increase), you receive the floor amount instead. In practice, this means many people with the minimum 15 years of service end up on the floor rather than a formula-calculated amount.
Under 15 years: the Old-Age Grant
If you've contributed for between 2 and 15 years but don't meet the 15-year threshold, you don't get a monthly pension at all — instead you receive a one-time lump-sum "Old-Age Grant" at retirement age, based on total contributions paid. This is much smaller than the cumulative value of an ongoing pension.
Assumptions & limits
Doesn't model the Old-Age Grant lump-sum amount, invalidity pension, or survivor's pension — only the standard old-age pension. Assumes continuous, correctly-recorded insurable service; missing employer contributions can affect your actual eligibility. Figures are for guidance only, not financial advice — verify your contribution history directly at eobi.gov.pk.