EOBI Act 1976
The Employees’ Old-Age Benefits Act 1976 created EOBI’s pension scheme from 1 April 1976. It makes social insurance compulsory for covered private sector workers. It sets the contribution, the benefits and the duties of employers.
Key points of the Act
| Topic | Rule |
|---|---|
| Purpose | Article 38(c) of the Constitution: compulsory social insurance |
| Coverage | Establishments with 5 or more employees, from 1 July 2008 |
| Contribution | 6% of the minimum wage: employer 5%, worker 1% |
| Registration | Employer registers within 30 days (Section 11) |
| Old-Age Pension | Age 60 men, 55 women, 15 years (Section 22) |
| Part year | 6 months or more counts as a full year (Schedule) |
| Pension wage | Average wage of the last 12 contribution months (Schedule) |
| Abroad | Pension suspended while living abroad (Section 27) |
| Appeals | Sections 33, 34 and 35, with a 90 day time limit |
Main amendments
| Year | Change |
|---|---|
| 2006 | Further amendments to Act XIV of 1976 |
| 1 July 2008 | Coverage lowered to 5 employees. Minimum pension Rs 2,000. Pension wage set as last 12 months. |
| 2010 | Statutory notification S.R.O. 86 (KE)/2010 |
| January 2026 | Federal Constitutional Court: 14.5 years qualifies for pension under the Schedule |
| 2026 | Draft EOBI Bill 2026 proposes a new law. Not passed. |
Your rights as a worker
- To be registered and get an EOBI No.
- To have your employer pay 5% every month.
- To check your record online.
- Pension, grant, survivor and invalidity benefits.
- To appeal a decision within the legal time limit.
Read the official text
ای او بی ایکٹ 1976
- یہ قانون یکم اپریل 1976 سے نافذ ہے۔
- 5 یا زیادہ ملازمین والے ادارے اس میں شامل ہیں۔
- آجر 30 دن میں رجسٹریشن کا پابند ہے۔
Frequently asked questions
When did the EOBI Act come into force?
On 1 April 1976.
Who does the EOBI Act cover?
Industries and establishments with 5 or more employees since 1 July 2008. Smaller ones may join voluntarily.
What does Section 22 of the EOBI Act say?
It sets Old-Age Pension: age 60 for men and 55 for women, with at least 15 years of contribution.
Is there a new EOBI law in 2026?
A draft EOBI Bill 2026 has been published for reform. As of 2 November 2026 it is not law.