Fresh News: How to Verify Your EOBI Pension Scheme Status Online via CNIC (2026 Guide)

The Employees’ Old-Age Benefits Institution (EOBI) has introduced major digital updates for the 2026 EOBI Pension Scheme. These changes aim to simplify the process for retirees to track their payments and verify their records online using their CNIC. Under the new guidelines, the minimum pension amount has been increased to provide better financial support to senior citizens across Pakistan.

Quick Overview

Service Category	Latest Updates (2026)
Minimum Monthly Pension	PKR 11,500
Verification Method	Online via 13-Digit CNIC
Payment Date Range	1st to 5th of Each Month
Biometric Frequency	Twice a Year (Every 6 Months)
Male Retirement Age	60 Years
Female Retirement Age	55 Years

Has the EOBI Pension increased for 2026?

According to official government announcements, the minimum EOBI pension has been raised to PKR 11,500 per month starting in January 2026. This increase is specifically designed to help pensioners cope with the rising cost of living. For individuals with more than 20 years of insured service, the pension amount is calculated based on a formula and can exceed PKR 30,000.¹ These payments are directly credited to the linked bank accounts or mobile wallets during the first week of every month.

How to verify EOBI Pension Scheme status online via CNIC?

Retirees can now check their registration and payment history without visiting any physical office by following these steps:

1. Access the Portal: Open the official EOBI website at eobi.gov.pk.
2. Locate Tracking Section: Click on the “Insured Person Tracking” or “Individual Information” tab.
3. Enter Identity Data: Carefully type your 13-digit CNIC number without any dashes or spaces.
4. Generate Report: Click the submit button to view your contribution history and current payment status.

Why is biometric verification mandatory in 2026?

To ensure that funds are being delivered to the rightful beneficiaries, EOBI requires a “Life Certificate” via biometrics:

Biometric Schedule: Pensioners must provide their thumbprints twice a year, usually in March and September.
Verification Points: You can visit any branch of the Bank of Punjab (BOP) or use an HBL Konnect agent for this process.
Required Identity: You must bring your original CNIC and EOBI pension card for successful verification.
Consequences of Delay: Failure to complete biometrics results in a temporary suspension of the monthly pension.

What are the eligibility rules for EOBI Pension Scheme ?

To qualify for a full pension under the 2026 regulations, a worker must meet specific legal requirements:

1. Minimum Contribution: A person must have at least 15 years (180 months) of recorded contributions in the EOBI system.
2. Age Threshold: Men must reach 60 years of age, while women and mine workers qualify at 55.
3. Company Registration: The employer must be a registered entity with EOBI and must have paid monthly shares regularly.
4. Invalidity Clause: If a worker becomes disabled during service, they may qualify for a pension after only 5 years of service.

EOBI Payment Methods and Tracking Table 2026

Payment Method	Tracking Mechanism	Service Charges
Bank Alfalah ATM Card	Balance Check at ATM	Free of Cost
HBL Konnect App	Digital Wallet Statement	Free of Cost
Mobile SMS Alerts	Direct SMS Notification	Subscription Free
Official EOBI Portal	Online CNIC Tracking	Free Service
Bank Statement	Manual Branch Visit	Standard
Biometric Verification	Digital Thumb Scanner	Free Service

How to track missing EOBI Pension Scheme payments?

If your pension has not been credited by the 5th of the month, you should take immediate action. First, verify your biometric status on the portal to ensure your account is still “Active.” According to the official website, many delays occur because of expired life certificates. If biometrics are up to date, contact your bank or the nearest EOBI regional office with your pension card. Ensure that your mobile number is registered with EOBI to receive real-time credit notifications.

What is the process for Widow and Survivor pension?

In the event of a pensioner’s death, the family is still protected under the EOBI law:

Spouse Rights: The widow or widower is entitled to the full pension for their entire life.
Children Benefits: If neither parent is alive, children receive the pension until they reach 18 years of age.
Required Documents: You must submit the death certificate and an updated family registration certificate to the EOBI office.
Verification: The survivor must also undergo biometric verification every six months to keep the account active.

How can I check my individual contribution record?

It is essential to know if your company is actually depositing your share into the EOBI database:

1. Online Tracking: Use the “Insured Person” portal to see the month-wise contribution history.
2. Contribution Gap: If you find missing months in your record, contact your employer or report it to EOBI.
3. IP Number: Every worker has a unique Insurance Person (IP) number; keep this safe for all future claims.
4. Legal Right: It is a legal requirement for companies with 5+ employees to register every worker with EOBI.

Common problems and their practical solutions?

Many retirees face issues during the 2026 cycle. Here is how to solve them:

1. Name Mismatch: If your name on the EOBI card differs from your CNIC, visit the regional office for data correction.
2. Card Activation: New retirees must activate their ATM cards at a Bank Alfalah branch before the first withdrawal.
3. Lost Card: If you lose your card, call the helpline immediately to block it and apply for a replacement.
4. Record Not Found: This usually means your CNIC is not linked; provide your EOBI number at the office to link it.

Summary Box: The EOBI minimum pension for 2026 is PKR 11,500. All retirees must undergo biometric verification twice a year and can track their payment status online via the official portal using their CNIC.

Helpline and Contact Section

For any complaints regarding missing payments or technical issues with the portal, contact:

Toll-Free Helpline: 0800-3624 (0800-EOBI)
Official Website: www.eobi.gov.pk
Email Support: info@eobi.gov.pk
Head Office Address: EOBI House, 190/1/B, Block-2, PECHS, Karachi, Pakistan.
Regional Assistance: Visit any “E-Khidmat” center or local EOBI regional office during 9 AM to 5 PM office hours.

Conclusion

The EOBI Pension Scheme 2026 updates represent a significant step toward the digitalization of social security in Pakistan. By allowing retirees to verify their records and track payments through a simple CNIC-based system, the institution has reduced the need for frequent office visits. The increase in minimum pension also provides a much-needed safety net for those who have spent their lives serving in the private sector. Ensure your biometric records are updated every six months to enjoy a seamless pension experience. For the latest notifications, always rely on the official EOBI website or their verified toll-free helpline.