Manila: Members of the Pag-IBIG Fund collectively saved a record PHP160.41 billion in 2025, marking a 21 percent increase from the previous year and the highest savings collection in the agency's history.
According to Philippines News Agency, the milestone was driven largely by the sustained growth of voluntary savings, particularly under the Modified Pag-IBIG II (MP2) Savings Program. Department of Human Settlements and Urban Development (DHSUD) Secretary Jose Ramon Aliling, who also chairs the Pag-IBIG Fund Board of Trustees, stated that the strong performance reflects members' continued trust in the agency's savings programs. Aliling highlighted that the increase of PHP27.61 billion more in savings collected in 2025 compared to the previous year positions Pag-IBIG Fund to continue offering low-interest rates and supports the financing requirements of the Expanded Pambansang Pabahay Para sa Pilipino (4PH) Program of President Ferdinand R. Marcos Jr.
Of the total savings collected last year, mandatory monthly contributions reached PHP66.80 billion. Voluntary savings, or funds saved by members beyond the required contributions, accounted for the larger share at PHP93.60 billion, or 58 percent of total collections. Pag-IBIG Fund Chief Executive Officer Marilene Acosta remarked that voluntary savings have now surpassed mandatory contributions, underscoring a strong culture of saving among members.
Acosta noted that members' additional monthly contributions amounted to PHP10.09 billion, as more members opted to save above the required PHP200 monthly contribution. She attributed this to members' growing appreciation of saving with the Pag-IBIG Fund, supported by the agency's consistent track record of competitive annual dividend rates. Furthermore, strong confidence in the fund continued to fuel participation in the MP2 Savings Program, with collections reaching PHP83.51 billion in 2025, making it the primary driver of voluntary savings growth.
Acosta expressed satisfaction with the MP2 Savings Program's role in encouraging more Filipino workers to save for their future. Through this program, members have been able to appreciate the value of disciplined saving by offering a secure and rewarding savings option aligned with their short-term goals. Many MP2 savers, particularly retirees and pensioners, now refer to themselves as 'LODI,' or 'Living on Dividends,' as they use their annual returns to help cover daily expenses. Acosta assured members that Pag-IBIG Fund will continue to manage savings prudently and strive to provide the highest possible returns, in line with its commitment to public service.
