EOBI explained
A practical introduction to Pakistan’s Employees’ Old-Age Benefits Institution, its records, contributions, and benefits.
What EOBI means for a salaried person
If your employer is registered and you are insured, a share of your monthly wage is contributed and the institution takes on the duty to pay old-age, disablement and survivor benefits in return. On a payslip that deduction appears as a payroll contribution. This site's salary calculator does not treat it as something that lowers taxable income, because it is a contribution rather than a relief the law names.
What to verify
- Current employer and employee registration and insured status.
- The applicable insurable wage base, contribution rates, and any ceiling.
- Current age, contribution-period, and benefit eligibility requirements.
EOBI legislation and current notifications control. The site calculator is only an estimate from editable assumptions.
Questions people ask
Does the EOBI deduction lower my tax?
It is a payroll deduction, and what it does to taxable income depends on the limit the relevant tax year's law allows. Nothing is deducted automatically by this site's calculator, because treating it as allowable would be an assumption about current law rather than a reading of it.
How do I know whether I am registered?
That follows from your employer's registration and your own insured status, which EOBI's records settle. The employment calculator here deliberately leaves any prefill empty rather than assuming you are insured.
When does the pension start?
Eligibility turns on both age and contribution history, and EOBI sets the current conditions for each. Nothing on this page promises a benefit; it lists the three facts to confirm with the institution.