Is your employer secretly jeopardizing your retirement? A shocking number of employees find their EOBI contributions missing when they finally check. The rules have changed in 2026, with a critical court ruling and increased pension amounts making verification more urgent than ever. This isn’t just about checking a box; it’s about claiming what’s legally yours and ensuring your future is secure. Stop wondering and start verifying today.
The Employees’ Old-Age Benefits Institution (EOBI) manages your pension funds. With the new 2026 regulations, checking your individual status is the only way to confirm compliance and protect your financial future.
Official Portal: Always perform your check through the official EOBI website: https://www.eobi.gov.pk/
EOBI Contribution Rates 2026: Quick Reference Table
Understanding the latest contribution structure is key. For 2026, the applicable minimum wage for calculation in Punjab, Sindh, KPK, and ICT is Rs. 40,000.
| Contribution Type | Share Percentage | Amount (PKR) |
|---|---|---|
| Employer’s Share | 5% | Rs. 2,000 |
| Employee’s Share | 1% | Rs. 400 |
| Total Monthly Contribution | 6% | Rs. 2,400 |
Note: For Balochistan, verify the current notified minimum wage on the official portal, as updates may be pending.
Why Checking Your EOBI Individual Information Status in 2026 is Critical?
Two major 2026 updates make immediate verification essential:
- The 14.5-Year Pension Rule: A recent ruling means if you have 14 years and 6 months (174 months) of contributions, you are eligible for a full old-age pension.
- Increased Minimum Pension: The minimum pension amount has been raised to Rs. 11,500 per month, increasing the value of every contribution.
How to Check EOBI Individual Information Status by CNIC in 2026?
The process is fast and requires no login. Follow these simple steps:
- Go to the official EOBI website: www.eobi.gov.pk.
- Find and click the “Individual Information” or “Insured Person Information” link.
- Enter your 13-digit CNIC number without any dashes or spaces.
- Click ‘Search’ to instantly view your registration number, employer history, and total contribution months.
Using the EOBI Mobile App (2026 Features)
The official EOBI app provides enhanced functionality:
- Download detailed, month-by-month contribution statements.
- See the exact amount deposited against your name.
- File a direct complaint or inquiry for missing months through the app’s portal.
What Does Your EOBI Individual Information Status Mean?
Understanding your portal result is crucial.
If Status Shows All Months:
Your employer is compliant. Keep your annual check-up habit.
If Status Shows “No Record Found” or Missing Months:
This is a red flag. It could mean:
- Your employer has not registered you (illegal for firms with 10+ employees).
- There is a data mismatch with your CNIC details.
- Your recent contributions (last 30-60 days) are still processing.
What to Do If Contributions Are Missing?
If your salary slip shows a deduction but the EOBI portal does not:
- Gather Evidence: Compile your salary slips, appointment letter, and CNIC copy.
- Contact HR/Payroll: Formally request an explanation and proof of EOBI payment vouchers.
- Take Official Action: If unresolved, file a complaint at your Regional EOBI Office or use the Pakistan Citizen’s Portal to initiate a formal inquiry under Section 12 of the EOBI Act.
EOBI 2026: FAQS
Q1: What is the minimum pension amount for 2026?
A: The minimum old-age pension for eligible retirees is Rs. 11,500 per month.
Q2: I have 14.5 years of service. Do I qualify for a pension?
A: Yes. As per the latest 2026 interpretation, 14.5 years (174 months) of contributions make you eligible for the full pension benefit.
Q3: Are EOBI contributions mandatory?
A: Yes. By law, every establishment with 10 or more employees must register and contribute monthly.
Don’t leave your retirement to chance. Verify your EOBI status now at the official source: Employees’ Old-Age Benefits Institution (EOBI)