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2026 mein EOBI (Employees’ Old-Age Benefits Institution) ke contribution rates mein tabdeeli ki gayi hai, kyunke hukumat ne Minimum Wage (Kam az kam ujrat) ko revise kiya hai. EOBI ka qanoon ye kehta hai ke contribution hamesha us waqt ki sarkari minimum wage par calculate hogi, chahe mulazim (employee) ki asal salary kitni hi zyada kyun na ho.
Yahan 2026 ke naye rates aur calculation ka mukammal formula diya gaya hai.
EOBI Contribution Rates 2026
EOBI Act ke tehat kul 6% contribution jama karwani hoti hai, jo do hisson mein taqseem hai:
| Share | Percentage | Amount (Monthly) |
| Employer Share (Maalik ka hissa) | 5% | Rs. 2,000 |
| Employee Share (Mulazim ka hissa) | 1% | Rs. 400 |
| Total Monthly Contribution | 6% | Rs. 2,400 |
Note: Ye calculation Rs. 40,000 ki minimum wage par mabni hai (jo Punjab, Sindh aur KP mein 2025-26 ke budget ke mutabiq nafiz hai). Balochistan mein agar wage different ho to amounts tabdil ho sakti hain.
Calculation Formula Explained
EOBI ki calculation ka formula nihayat sada hai. Is mein aap ki asal salary (Gross Salary) shamil nahi hoti, balkay sirf Minimum Wage istemal hoti hai.
Formula:
$$\text{Monthly Contribution} = \text{Current Minimum Wage} \times \text{Percentage Rate}$$
Example Calculation:
Agar minimum wage Rs. 40,000 hai:
- Employer (5%): $40,000 \times 0.05 = \mathbf{2,000}$
- Employee (1%): $40,000 \times 0.01 = \mathbf{400}$
Pension Calculation Formula
Contribution ke sath sath, aap ko ye maloom hona chahiye ke retirement ke waqt aap ki pension kaise calculate hogi. Iska qanooni formula ye hai:
$$\text{Monthly Pension} = \frac{\text{Average Monthly Minimum Wage} \times \text{Number of Years of Insurable Employment}}{50}$$
- Average Wage: Pichle saalon ki average minimum wage.
- Years of Service: Aap ne jitne saal EOBI mein contribution jama karwayi (Kam az kam 15 saal lazmi hain).
- Minimum Pension: 2026 mein minimum pension Rs. 10,000 se barha kar Rs. 11,500 (proposed/approved) kar di gayi hai. Agar formula se raqam kam bane, to bhi kam az kam itni pension milegi.
Important Rules for 2026
- Applicability: Har woh idara jahan 5 ya 5 se zyada mulazim kaam karte hain, us par EOBI register hona lazmi hai.
- Due Date: Har mahine ki contribution aglay mahine ki 15 tareekh tak jama karwana zaroori hai. Deri ki surat mein “Statutory Increase” (fine) lag sakta hai.
- Age Limit: 60 saal (mardon ke liye) aur 55 saal (khawateen ke liye) ke baad contribution band ho jati hai aur pension shuru ho sakti hai.
Online Verification Kaise Karein?
Aap check kar sakte hain ke aap ka employer waqai aap ke paise jama karwa raha hai ya nahi:
- EOBI ki official website eobi.gov.pk par jayein.
- “Individual Tracking” par click karein.
- Apna EOBI Number ya CNIC darj karein.
- Aap ke samne mahina-war contribution ki poori history aa jayegi.