Pag-IBIG Fund Achieves Historic P160.41 Billion in Member Savings for 2025
The state-run Pag-IBIG Fund has announced a remarkable milestone, with member savings reaching a record-breaking P160.41 billion in 2025. This figure represents a substantial 21 percent increase compared to the previous year, marking the highest annual savings collection in the agency's history. The surge in savings is primarily attributed to a significant rise in voluntary contributions, particularly through the popular Modified Pag-Ibig II (MP2) Savings Program.
Strong Growth Fueled by Member Trust and Voluntary Efforts
Department of Human Settlements and Urban Development Secretary Jose Ramon Aliling, who chairs the Pag-Ibig Fund Board of Trustees, emphasized that this achievement reflects the deep trust members have in the institution. He highlighted that the additional P27.61 billion collected in 2025 strengthens the fund's financial foundation, enabling it to maintain low-interest rates and support critical housing initiatives.
"With P27.61 billion more savings collected in 2025 compared to the previous year, Pag-IBIG Fund's solid financial position allows us to continue offering competitive rates and financing the Expanded Pambansang Pabahay Para sa Pilipino (4PH) Program under President Ferdinand R. Marcos Jr.," Aliling stated.
Voluntary Savings Outshine Mandatory Contributions
A detailed breakdown of the 2025 savings reveals a notable trend: voluntary savings have surpassed mandatory contributions. While mandatory monthly payments totaled P66.80 billion, voluntary savings soared to P93.60 billion, accounting for 58 percent of the total collections.
Pag-IBIG Fund Chief Executive Officer Marilene Acosta expressed enthusiasm over this development, noting that members are increasingly setting aside funds beyond the required amounts. "Our members are saving more voluntarily, to the point that voluntary savings have already exceeded mandatory contributions," Acosta said. "This is very encouraging because it demonstrates that the culture of saving for the future remains robust among Pag-IBIG members."
MP2 Program Drives Significant Growth in Voluntary Savings
The MP2 Savings Program has been a key driver of this growth, with collections under the program reaching P83.51 billion in 2025. Acosta pointed out that additional monthly contributions above the minimum P200 requirement amounted to P10.09 billion, as more members opted to increase their savings.
She credited the agency's consistent record of competitive annual dividend rates for motivating members to save more. "We are very pleased that MP2 Savings continues to encourage more Filipino workers to set aside money for their future," Acosta added.
Interestingly, some retirees and pensioners have begun referring to themselves as "Living on Dividends," utilizing their annual returns from the program to assist with daily expenses, showcasing the practical benefits of long-term savings.
