MANILA, Philippines — Members of Home Development Mutual Fund, widely known as Pag-IBIG Fund, channel a record P160.41 billion into savings in 2025, reflecting stronger participation and growing public trust in the agency’s programs.
The amount is 21 percent higher than the previous year and marks the largest annual savings collection in the fund’s history. The growth is fueled primarily by voluntary contributions, which continue to outpace mandatory monthly payments from members.
Data from the agency show that required contributions reach P66.80 billion for the year. Voluntary savings — funds deposited beyond the minimum requirement — account for the bigger share at P93.60 billion, equivalent to 58 percent of total collections.
Pag-IBIG Fund chief executive officer Marilene Acosta says the surge in voluntary deposits signals a strengthening culture of saving among members. She notes that additional monthly contributions alone amount to P10.09 billion, as more members opt to exceed the P200 minimum contribution.
The Modified Pag-IBIG II (MP2) Savings Program emerges as the main growth driver, with collections climbing to P83.51 billion in 2025. The voluntary five-year savings facility continues to attract workers seeking higher returns on short- to medium-term savings.
Department of Human Settlements and Urban Development Secretary Jose Ramon Aliling, who chairs the Pag-IBIG Fund Board of Trustees, says the sustained inflow of savings strengthens the agency’s financial position. He adds that the additional P27.61 billion collected compared to the prior year allows the fund to maintain low-interest housing loans and support the Expanded Pambansang Pabahay para sa Pilipino (4PH) Program of President Ferdinand Marcos Jr..
Acosta says some MP2 savers, including retirees and pensioners, already rely on annual dividends from the program to help cover everyday expenses. As the country’s largest home financing institution, Pag-IBIG Fund remains mandated to provide accessible savings vehicles and affordable housing loans to Filipino workers nationwide.