Can I Early Withdraw All My EOBI Funds?

No, you cannot early withdraw all your EOBI funds. The Employees Old-Age Benefits Institution (EOBI) does not allow early withdrawal of funds under any circumstances. The only way to withdraw your EOBI funds is when you reach the age of retirement, become totally disabled, or die.



If you need to access your EOBI funds before retirement, you can apply for a loan against your EOBI account. The loan amount will be limited to 50% of your accumulated balance, and you will have to repay the loan with interest within a specified period of time.



You can also apply for a lump sum withdrawal of your EOBI funds if you are permanently migrating abroad. However, you will have to meet certain eligibility criteria, such as having completed at least 15 years of insurable employment in Pakistan.



If you are considering early withdrawal of your EOBI funds, I recommend that you consult with a financial advisor to understand the implications of this decision. Early withdrawal of EOBI funds can have a negative impact on your retirement savings, so it is important to make sure that you are making the best decision for your financial future.




How to Withdraw Your EOBI Funds:

  1. Apply for a loan or lump sum withdrawal from the EOBI website or through a regional office.
  2. Provide the required documentation, such as your EOBI card, CNIC, and proof of income.
  3. Pay the applicable processing fees.



How to Draw Disable Funds From EOBI?

To draw disability benefits from EOBI, you must meet the following eligibility criteria. EOBI management will review your application according to the set policy and procedures.



You Must be a Pakistani Citizen.

  1. You must have been employed in an insurable employment for at least 12 months in the last 24 months.
  2. You must be certified as totally disabled by a medical board appointed by the EOBI.

Once you have met the eligibility criteria, you can apply for disability benefits from the EOBI. You can apply online or through a regional office. The application process requires you to submit the following documents:


  1. Your Registration EOBI Card.
  2. Your Computerized National Identity Card.
  3. A medical certificate from a doctor appointed by the EOBI.
  4. A bank account statement.



The EOBI will process your application and make a decision within 30 days. If your application is approved, you will be paid a monthly pension for the rest of your life. The amount of the pension will be determined by your age, your salary, and the number of years you have been employed.



How to Apply Disability Benefits From EOBI:

Apply for disability benefits online or through a regional office.

Provide the required documentation, such as your EOBI card, CNIC, and medical certificate.

Pay the applicable processing fees.

The EOBI will process your application and disburse the funds to your bank account within 30 days. 

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