Pag-IBIG savings climb to record P160.41 billion in 2025

February 12, 2026 | 12:00am

MANILA, Philippines — Members of the Home Development Mutual Fund (HDMF), more popularly known as Pag-IBIG, set aside a record P160.41 billion in savings in 2025, as voluntary contributions continued to outpace mandatory payments and underscored growing confidence in the agency’s savings programs.

The latest figure was 21 percent higher than a year ago and marked the highest level of members’ savings collections in Pag-IBIG Fund’s history, driven largely by the sustained expansion of voluntary savings, particularly under the Modified Pag-IBIG II or MP2 Savings Program.

“Once again, our strong collections reflect the trust and confidence our members place in Pag-IBIG’s savings programs,” Department of Human Settlements and Urban Development Secretary Jose Ramon Aliling, who chairs the Pag-IBIG Fund Board of Trustees, said.

“With P27.61 billion more savings collected in 2025 compared to the previous year, Pag-IBIG Fund’s solid financial position enables us to continue offering low-interest rates and to support the financing requirements of the Expanded Pambansang Pabahay para sa Pilipino (4PH) Program of President Marcos,” he said.

Data from the agency showed that mandatory monthly contributions totaled P66.80 billion in 2025. Voluntary savings, which refer to funds saved by members beyond the required contributions, accounted for the larger share of total collections.

“Our members are saving more voluntarily, to the point that voluntary savings have already surpassed mandatory contributions,” Pag-IBIG Fund CEO Marilene Acosta said.

“Voluntary savings reached P93.60 billion, or 58 percent of our total savings collections. This is very encouraging because it shows that the culture of saving for the future remains strong among Pag-IBIG members.”

Acosta said members’ additional monthly contributions amounted to P10.09 billion, as more members opted to save above the minimum P200 required contribution.

She attributed this trend to members’ growing appreciation of saving with Pag-IBIG Fund, supported by the agency’s consistent track record of competitive annual dividend rates.

The same confidence continued to lift participation in the MP2 Savings Program, with collections reaching P83.51 billion for the year. MP2 emerged as the primary driver of voluntary savings growth in 2025.

“We are very pleased that MP2 Savings continues to encourage more Filipino workers to set aside money for their future,” Acosta said. “Through this program, we have helped our members appreciate the value of disciplined saving by offering a secure and rewarding savings option aligned with their short-term goals,” she added.

Acosta said that some MP2 savers, particularly retirees and pensioners, have come to rely on the program’s annual returns to support daily expenses.

The Pag-IBIG Fund, the country’s largest home financing institution, is mandated to provide accessible savings and affordable housing loans to Filipino workers.