Regular Savings

This is where your monthly savings (contributions) go.
The Pag-IBIG Regular Savings Program is a convenient and government-guaranteed savings facility
that gives you high annual dividend earnings. Save more to earn higher dividends.
Read more below to learn more about your Pag-IBIG Fund Regular Savings!


Pag-IBIG Fund sets aside at least seventy percent (70%) of its annual net income and credits it proportionately to its members’ Pag-IBIG Savings as dividends. This means that the more one has saved, the higher dividends that member shall earn.

Pag-IBIG Fund invests at least 70% of its investible funds in housing finance, as required by its Charter. It also invests in government securities and corporate bonds.

Here are the Pag-IBIG Regular Savings Dividend Rates since 2011.

Year Pag-IBIG Regular Savings Dividend Rate
2021 5.50%
2020 5.62%
2019 6.73%
2018 6.91%
2017 7.61%
2016 6.93%
2015 4.84%
2014 4.19%
2013 4.08%
2012 4.17%
2011 4.13%
UPGRADE MONTHLY SAVINGS
For Employed Members
• Accomplish the Request to Upgrade Monthly Savings Form and submit to Employer
For Self-Employed and OFW Members
• State desired amount of upgraded savings on your next payment at any Pag-IBIG Fund Branch or accredited collecting partner
1What is the Pag-IBIG Regular Savings Program?

This is where your mandatory monthly membership savings (contributions) go!

The Pag-IBIG Regular Savings is a secure and convenient savings facility that gives you high annual dividend earnings to help secure your future. This is because you can eventually withdraw your savings after membership maturity of 20 years, retirement and other grounds.

2How much should I save monthly?

The Pag-IBIG monthly membership savings is pegged at just Php100. Employed members immediately double their monthly savings with the counterpart share of their employees.

Your savings grows even more with the dividends it earns annually.

You may wish to save more than Php100 monthly so that you can save more and earn more.

3How does one pay or remit their monthly membership savings to Pag-IBIG Fund?

The monthly savings of formally-employed members are done by and through their employers. Their employers are responsible in remitting their member savings, and their employer counterpart share to Pag-IBIG Fund on a monthly basis.

Self-employed members and Overseas Filipino Workers may save via Virtual Pag-IBIG, at any Pag-IBIG Fund branch or through any of our authorized collecting partners’ outlets or online payment channels.

Employed members who wish to top up or add to their monthly membership savings may do so through their employers or by saving through the above payment channels.

4Can I top up my Pag-IBIG Regular Savings so that I can save more and earn more dividends?

Yes! Save more and earn higher dividends with your Pag-IBIG Regular Savings by increasing your monthly savings. The more you save, the higher dividends you get!

If you are employed, top up or add to your monthly membership savings through your employer by submitting the “Request for Upgrading of Savings” form. You may also top up your savings via Virtual Pag-IBIG, at any Pag-IBIG Fund branch or through any of our authorized collecting partners’ outlets or online payment channels.

If you are self-employed or an Overseas Filipino Worker, you may top up your Pag-IBIG Regular Savings anytime using the above payment channels.

5How much dividends do my Pag-IBIG Regular Savings earn?

Pag-IBIG Fund sets aside at least seventy percent (70%) of its annual net income and credits it proportionately to its members’ Pag-IBIG Savings as dividends. This means that the more you save, the higher dividends you shall earn.

In 2021, despite the challenges of the pandemic to our economy, the Pag-IBIG Regular Savings earned a dividend rate of 5.5%.

6Can I view my Pag-IBIG Regular Savings records online?

Yes! You can view your Pag-IBIG Regular Savings online, via Virtual Pag-IBIG. Simply create your Virtual Pag-IBIG account for you to view your Regular Savings, including the annual dividends it has earned.

7When can I withdraw my Pag-IBIG Regular Savings?

You may withdraw your Pag-IBIG Regular Savings upon the occurrence of certain grounds. These include the following:

  • Membership maturity after 20 years, equivalent to 240 monthly contributions
  • Retirement at age 60 (optional retirement age) or at 65 (mandatory retirement age);
  • Separation from service due to health reasons
  • Permanent departure from the country
  • Permanent and total disability or insanity
  • Critical illness of the member or any of immediate family member, as certified by a licensed physician; or
  • Member’s death, in which case the member’s legal heirs will receive his/her total Pag-IBIG Regular Savings plus an additional cash benefit of not more than P6,000.
8Is the return of my Pag-IBIG Regular Savings guaranteed?

Yes, the return of your Pag-IBIG Regular Savings once these can be withdrawn is government-guaranteed.

9Where can I read more about the Pag-IBIG Regular Savings?

To know more about the Pag-IBIG Regular Savings, you may download HDMF Circular No. 274, Revised Guidelines on Pag-IBIG Fund Membership by clicking here.