Last Updated on October 4, 2025 by Galaxy World
Government of Pakistan, Ministry of Finance issued a Notification on 02-10-2025 in connection with Revised Federal Govt Defined Contribution Pension Fund Scheme Rules 2024. These rules will take effect with immediate effect. The civil servants appointed on a regular basis on or after 1st July 2024 are covered under this new CP Fund Scheme 2024 Federal. These rules also cover the share of employees in the CP Fund Scheme. The details are as follows:
Revised Federal Govt Defined Contribution Pension Fund Scheme Rules 2024
Gazetted Notification 8 Sep 2025
SRO 1728(I)/2025 dated 27 Aug 2025
- A person appointed through an initial regular appointment,
As a civil servant of the Federal Government, including civilians paid from Defence Estimates on or after 01-07-2024.
- As personnel of the Armed Forces on or after the date appointed by the Federal Government or
- As personnel of the Civil Armed Forces on or after 01-07-2024.
Main Points
The contractual employee will also be covered under this scheme if they are regularized on or after 01-07-2024.
The Federal Government employees who were already working on a regular basis on or before 1st July 2024 and later re-appointed through the proper channel will not be covered under this new pension scheme.
Ministry of Finance Notification: Statutory Notification (S.R.O) No. 1728(I)/2025 dated 27.08.2025
First Schedule
[see rule 2(v) and rule 4(2)(c)(i) and(ii)]
PART I
Contribution Rates
(Federal Government Employees, including Civilians paid out of Defence Estimates)
| Head | Monthly Contribution Rate (% of Pensionable Pay) |
| Employer’s Contribution | 12% |
| Employee’s Contribution | 10% |
| Overall Contribution Rate | 22% |
PART II
COntribution Rates
(Armed Forces of Pakistan)
| Head | Monthly Contribution Rate (% of Pensionable Pay) |
| Employer’s Contribution | —-% |
| Employee’s Contribution | —–% |
| Overall Contribution Rate | —-% |
Second Schedule
[see rule 5(2)]
Maximum Aggregate Exposure Limit
| Age of Employee | Maximum aggregate exposure limit for high-risk sub-funds (as % of Employee’s Pension Account balance) | Equity Index Sub-Fund | Equity Active Sub-Fund | Total |
| For a period of 3 years from the date of opening of the Employee’s Pension Account (regardless of age) | 0% | 0% | 0% | |
| ≤ 30 years (less than or equal to 30) | 50% | 25% | 50% | |
| ≤ 40 years (less than or equal to 40) | 40% | 20% | 40% | |
| ≤ 50 years (less than or equal to 50) | 30% | 15% | 30% | |
| ≤ 60 years (less than or equal to 60) | 20% | 10% | 20% |
PART II] THE GAZETTE OF PAKISTAN, EXTRA., SEPTEMBER 8, 2025 2605(11)
Third Schedule
[see rule 5(3)]
Default Asset Allocation
| SUB-FUNDS | Equity Index (High Risk) | Equity Active (High Risk) | Debt (Medium Risk) | Money Market (Low Risk) |
| 0% | 0% | 0% | 100% |
Full Notification
You can download the full Notification as follows: