BAĞKUR 5,400 days retirement conditions for women and men are important factors to consider before applying for retirement. BAĞKUR partial retirement rules differ by gender and depend on many factors such as the person’s age, total insured days, gender and the date they first started contributing. These elements directly affect eligibility and retirement age.
BAĞKUR Retirement Conditions for 5,400 Days
Male and female workers may qualify for retirement if they meet specific requirements. Important points to know about BAĞKUR retirement include:
- Those who registered with BAĞKUR early and completed the required working days typically wait until they reach the applicable age to receive full retirement.
- A person who has completed the required days and contributions can be eligible for partial retirement rights even before reaching the age threshold.
- Partial retirement conditions include completing 3,600, 4,500 or 5,400 contribution days, depending on the applicable rule set.
| First contribution date | Age if male | Age if female |
| Before 08.09.1999 (EYT) | No age requirement | No age requirement |
| 08.09.1999–30.04.2008 | 62 | 60 |
| From 01.05.2008 | 63 | 61 |
What Are BAĞKUR Retirement Requirements?
Regardless of gender, a BAĞKUR contributor cannot retire without meeting the required number of contribution days. The date a person began contributing affects their retirement conditions directly.
Key start-date groups that affect retirement are:
- Those who started work before 1 October 1999
- Those who started between 1 October 1999 and 30 April 2008
- Those who started after 1 May 2008
BAĞKUR Retirement Requirements for Women
The number of contribution days required for women differs within BAĞKUR. For women seeking partial retirement based on 3,600 days, the typical age requirements by period of retirement eligibility are:
- Women whose retirement began between 2002 and 2005 must be 52 years old.
- Women whose retirement began between 2005 and 2008 must be 54 years old.
- Women whose retirement began between 2008 and 2011 must be 56 years old.
- Women applying for partial retirement after 2011 must be 58 years old.
Retirement Conditions for Men Who Started Work Before 1999
There are specific retirement criteria for BAĞKUR male contributors who started work before 1 October 1999.
Accordingly, the retirement conditions for men who began contributing before 1999 are:
- Men who started working and paying contributions before 1 October 1999 can claim retirement after completing 25 years of service, regardless of age.
- This requires paying contributions equal to 9,000 days over the 25-year period.
- Those who meet the contribution day requirement can retire without an age condition.
Retirement Conditions for Women Who Started Work Before 1999
Using a BAĞKUR calculation table and filling in the required fields provides detailed information about eligibility. For women who started contributing before 1 October 1999, the rules are:
- Women who began BAĞKUR contributions before 1 October 1999 and completed 18 years of contributions may retire after a total of 20 years of service, without an age requirement.
- This corresponds to completing 7,200 contribution days.
- Women who reach 7,200 days can retire without meeting an age threshold.
Age-Based Retirement Conditions for BAĞKUR Male Contributors
A male BAĞKUR member’s retirement is determined by contribution days, age and start date.
Accordingly, the age-based retirement conditions for male BAĞKUR contributors are:
- Calculations take 1 October 1999 as a reference date.
- A male employee who has completed 15 years of service and 5,400 contribution days as counted from 1999 can retire at age 55.
- If the worker completing 15 years has more than two years left to reach the applicable age, a phased (gradual) retirement schedule may apply.
Age-Based Retirement Conditions for BAĞKUR Female Contributors
Female BAĞKUR members can qualify for retirement when contribution days, start date and total service meet the required criteria. Those who complete the required contribution days can benefit from BAĞKUR partial retirement rules.
In summary, the age-based retirement conditions for female BAĞKUR members are:
- Age criteria are calculated with reference to 1 October 1999.
- Women with two years or less remaining to reach the retirement age under that reference must have completed 15 years of service.
- If they have 15 years of service and 5,400 contribution days, women who reach age 50 may retire.
- Women who started BAĞKUR after 1 October 1999 typically retire at age 60.
Partial Retirement Criteria for Those Who Started Work on 01.06.2002
The start date is a primary criterion for BAĞKUR contributors seeking retirement. Working years and contribution days are determined based on that date. For those who began on 01.06.2002, partial retirement conditions are calculated as follows:
- If there are two years or less remaining to complete 25 years, the retirement age is calculated as 44.
- If the remaining time is more than two years but less than three years and six months, the retirement age is 45.
- If the remaining time is more than three years six months but less than five years, the retirement age is 46.
- If the remaining time is more than five years but less than six years six months, the retirement age is 46.
- If the remaining time is more than six years six months but less than eight years, the retirement age is 47.
- If the remaining time is more than eight years but less than nine years six months, the retirement age is 48.
- If the remaining time is more than nine years six months but less than eleven years, the retirement age is 49.
- If the remaining time is more than eleven years but less than twelve years six months, the retirement age is 50.
- If the remaining time is more than twelve years six months but less than fourteen years, the retirement age is 51.
- If the remaining time is more than fourteen years but less than fifteen years six months, the retirement age is 52.
- If the remaining time is more than fifteen years six months but less than seventeen years, the retirement age is 53.
EYT Retirement Conditions for BAĞKUR Women and Men
Those who registered with BAĞKUR before 1 October 1999 must meet specific conditions to retire. The EYT (early retirement) requirements for BAĞKUR contributors are:
- Women: 7,200 contribution days and 20 years of service
- Men: 9,000 contribution days and 25 years of service
By reviewing these BAĞKUR partial retirement rules, individuals can calculate whether they are eligible for retirement.
You can calculate when you will be eligible to retire for free using an online retirement calculator to quickly determine your retirement date.
Retirement from BAĞKUR with Missing Contribution Days
To retire despite missing contribution days, outstanding contribution debts must be paid.
Options include:
- Women with missing days may use childbirth-related crediting (borçlanma) to complete contributions. Each child can count for up to two years of credited service for this purpose.
- Male contributors may complete contribution days through military service crediting, which adds the service period to insured days.
How Much Pension Does Someone Retiring with 5,400 Days Receive?
Citizens retiring with 5,400 days generally receive lower pensions compared with full retirees. Because partial retirees are classified differently, pension amounts vary according to contribution history and coverage type.
| Coverage | Average pension for 5,400 days |
| Agricultural/farmer BAĞKUR | 5,500–6,000 TL |
| Tradesman/partnership | 6,000–6,500 TL |
| Public institution pension fund | 8,000–9,000 TL |