New Welfare Package for Iranian Pensioners Offers Low-Interest Loans, Pilgrimage Trips, and More
TEHRAN – In a significant move to enhance the welfare of its retirees, Iran’s Civil Servants Pension Fund has unveiled a comprehensive new support package for the year 1404 (2025). The initiative is designed to improve the livelihood and purchasing power of the nation’s pensioners and retired educators through a series of financial and tourism benefits.
The multi-faceted package, which will be available from Ordibehesht to Mehr 1404, includes a substantial low-interest loan, opportunities for installment-based shopping, and heavily subsidized travel to key domestic destinations.
Key Features of the 1404 Welfare Package
1. A 50 Million Toman Essential Loan
A central component of the plan is a loan of up to 50 million tomans. This financial aid is offered with a 60-month repayment period and a minimal 4% service charge. With approximately 300,000 loans earmarked for state and educational sector retirees, the initiative aims to directly address essential needs and boost economic comfort. Eligible individuals can register through the dedicated online portal at eservices.cspf.ir or by visiting partner banks such as Bank Saderat.
2. Installment-Based Shopping for Home Appliances
Retirees will gain access to a scheme for purchasing home appliances, furniture, and carpets from reputable retailers—including Saraye Irani, Shahr-e Farsh, and brands like Steel Alborz and Bimekass—at discounted prices. A standout feature is the exceptionally low monthly installment rate of just 1%, effective from Khordad 1404. Registration for this benefit is also available through the pension fund’s welfare services platform.
3. Subsidized Pilgrimage and Recreational Travel
Perhaps the most engaging aspect of the package is the support for travel. Retirees can benefit from free or interest-free installment plans for trips to the holy city of Mashhad, the island of Kish, as well as other popular domestic destinations like Shiraz, Isfahan, and Qeshm. The package includes discounts of up to 45% on stays at contracted hotels. Registration for the travel program opens on the 22nd of Tir, with each retiree eligible for three travel quotas and an additional quota for spa therapy in Mahallat.
4. Exclusive ‘Travel Card’ for Retirees
To streamline the process, a special travel card is being issued to facilitate bookings and access to discounts. The card, which has been in the issuance pipeline since Mehr 1402, requires retirees to have an active pension book and a registered salary account.
Implementation and Access
To avail themselves of these benefits, retirees must register through the official online portal at eservices.cspf.ir using their national code and pension book details. The platform will guide them through the application processes for the loan, travel, or shopping installments, which includes uploading necessary documentation for verification.
A Focus on Social Welfare and Support
This expansive package underscores a committed focus on social welfare, aiming to improve the daily lives of those who have served the nation. By facilitating pilgrimage travel, it also supports the cultural and spiritual well-being of retirees. The combination of financial aid, affordable shopping, and travel opportunities is designed to increase social vitality and provide a more comfortable retirement, representing a key effort in distributive justice for lower-income pensioners and educators.
Retirees are encouraged to register promptly to take full advantage of these opportunities. For further details, they can visit the official website of the Civil Servants Pension Fund at www.cspf.ir.