Retirement is one of the most important goals for many people during their working life. For tradespeople, farmers and self-employed workers, BAĞKUR retirement has always been a topic of interest. Entering 2025, pensions paid by BAĞKUR, the new increase rates and current figures for those retiring or already retired remain a top headline.
In this article we answer: How much is the BAĞKUR pension in 2025, what are the minimum and maximum amounts, how pension is calculated, how the raise rates were determined, and who can retire under BAĞKUR with which conditions.
What Is BAĞKUR Retirement and Who Is Covered?
The BAĞKUR (4B) system is a social security scheme covering independent workers with social insurance such as self-employed tradespeople, farmers, artisans and company partners. Those who pay contributions under BAĞKUR while working acquire the right to retire from BAĞKUR once they meet the required conditions.
Who Is Covered:
- Tradespeople and artisans such as grocers, greengrocers and barbers
- Farmers and livestock workers
- Company partners (e.g., LTD and AŞ shareholders)
- Self-employed professionals (lawyers, certified public accountants, independent merchants, etc.)
These individuals must meet the required conditions and complete their contribution payments to qualify for BAĞKUR retirement.
BAĞKUR Pension Amounts in 2025
In 2025, BAĞKUR pensions received a significant increase in line with inflation and government adjustments. According to official inflation figures, a 16.67% raise for SSK and BAĞKUR pensions was applied. This increase was applied both to current pensions and to those of newly retired beneficiaries.
As of July 2025:
- Minimum BAĞKUR pension: Set between 16,880 TL and 16,881 TL. Pensioners whose base pension fell below this level now receive at least this amount.
- Those with higher base pensions: The 16.67% raise was applied to the base pension and the resulting amount was paid to beneficiaries.
- Maximum BAĞKUR pension: There is no fixed official cap; depending on base pension and total contribution days, pensions start in the 20,000 TL band and can go higher depending on individual circumstances.
How Is BAĞKUR Pension Calculated? (Step by Step)
A BAĞKUR pension is determined by the amount of contributions paid, the number of contribution days, insurance period and the retiree’s age. The calculation follows the Social Security Institution’s (SGK) current coefficients and the applied raise rates.
Calculation Steps:
- Determine Monthly Gross Income and Earnings Subject to Contributions: The basis is the total declared earnings reported to SGK during working years.
- Total Contribution Days: The total number of days contributions were paid to BAĞKUR is crucial. More days generally mean a higher pension.
- Monthly Pension Rate (ABO): The pension is calculated by multiplying the average earnings by the monthly pension rate established by SGK.
- Calculate Base Pension: Apply the raise rate and any additional payments to the base pension to reach the result.
- Apply Minimum Limit: If the calculated base pension falls below the legal minimum, the retiree receives the current minimum pension amount.
In simple terms: Total pension = (Base pension + Treasury support) − Deductions. The base pension is proportional to contribution days, so paying contributions for more days increases the pension potential.
What Are the Minimum and Maximum BAĞKUR Pensions for 2025?
Minimum BAĞKUR Pension
Following the updated raises in July 2025:
- Minimum BAĞKUR pension: Increased to the 16,880 TL – 16,881 TL range.
- Those whose base pension was below this amount now receive at least the updated minimum.
Maximum BAĞKUR Pension
- There is no single upper limit in BAĞKUR; the pension amount depends on contributions and total days paid.
- With high contributions over a long period, top pensions can exceed 20,000 TL. Exact amounts vary by individual circumstances.
What Are the Conditions for BAĞKUR Retirement? (Current Summary)
To retire from BAĞKUR, applicants must meet several key conditions:
Basic Conditions:
- Contribution Days: A minimum of 9,000 days (approximately 25 years) of contributions is generally required.
- Age Limit: The age requirement is 58 for women and 60 for men.
- Partial retirement is possible with 5,400 contribution days at the specified ages (women 58, men 60).
EYT (Those Affected by Age Requirement) Conditions:
- For BAĞKUR registrations before 9 September 1999, it may be possible to retire without regard to age if the service duration condition is met—20 years for women and 25 years for men—depending on the rules applicable at the time.
Required Documents:
- Identification document
- BAĞKUR service statement (contribution record)
- Application petition submitted to SGK
Example Table for BAĞKUR Pension Calculation
Below is an approximate example table showing base pensions adjusted with the raise for illustration purposes:
| Base Pension (TL) | Raise Rate (%) | Adjusted Base Pension (TL) | What the Pension Will Be |
|---|---|---|---|
| 12.500 | 16.67 | 14.575 | 16.880 |
| 14.469 | 16.67 | 16.880 | 16.880 |
| 19.000 | 16.67 | 22.167,3 | 22.167 |
| 20.000 | 16.67 | 23.334 | 23.334 |
| 21.000 | 16.67 | 24.500,7 | 24.501 |
The “Minimum” value in the table shows that those with lower base pensions will receive at least that minimum after the raise.
How Can You Increase Your BAĞKUR Pension?
- Pay more contributions: Longer periods and higher contribution amounts increase your base pension.
- Follow current regulations: Reporting income at the minimum base leads to lower pensions; increasing declared earnings improves future pension amounts.
- Combine service periods when applicable: If you have service periods in different social security systems (SSK, Emekli Sandığı), you can apply to combine them to increase total contribution days.
Frequently Asked Questions
1. When can I retire from BAĞKUR?
Those who meet age and contribution requirements—58 for women and 60 for men with 5,400 days for partial retirement or 9,000 days for full retirement—are eligible to retire.
2. How often are BAĞKUR pensions increased each year?
Pensions are adjusted twice a year, in January and July, based on inflation and public sector collective agreements.
3. How are raise rates determined?
Raise rates are determined using official six-month inflation data and, when necessary, government adjustments.
4. How can I check my personal pension amount?
You can check your current and potential pension via the e-Government (e-Devlet) portal using the “4B Retirement Pension Calculation” tool by entering your personal information.