Pag-IBIG Fund is expected to officially announce the 2025 dividend rates on February 27, 2026.
Historically, Pag-IBIG declares its annual dividend rates every late February. Last year, the announcement was made on February 27 as well, covering the previous year’s performance. So if the pattern continues, we should get the confirmed 2025 rates on the same date.
As of writing, the official dividend rates for 2025 have not yet been released. Any numbers circulating online are still unofficial and should be treated as estimates or projections.
Once Pag-IBIG Fund publishes the final figures, we will immediately update this page with:
• Official Regular Savings dividend rate
• Official MP2 dividend rate
• Sample computation
• Comparison vs previous years
If you are currently investing in MP2 or planning to open one, this upcoming announcement is important because it determines how much your 2025 contributions have earned.
Bookmark this page and check back on February 27 for the official numbers.
What Is the Pag-IBIG Dividend Rate?
The dividend rate is the interest Pag-IBIG credits to your savings. It’s calculated annually based on the Fund’s net income and is applied to your balance in:
- Regular Pag-IBIG Savings – mandatory contributions
- MP2 Savings – voluntary, higher-yield program
For MP2, dividends are often higher because the program invests in higher-yield instruments, giving members the chance to earn more than the regular savings plan.
Latest Official Dividend Rates (2024)
The most recent officially announced dividends were for 2024, credited in 2025:
| Savings Type | Dividend Rate (per annum) |
|---|---|
| Regular Savings | 6.60% |
| MP2 Savings | 7.10% |
These were slightly higher than the previous year, reflecting Pag-IBIG’s strong financial performance.
More about the 2024 Dividend rates here: 2024 Pag-IBIG Dividend Rates for MP2 and Regular Savings
How Pag-IBIG Calculates Dividend Rates
Pag-IBIG’s dividend is not fixed — it depends on the Fund’s annual earnings. By law, at least 70% of the Fund’s net income is distributed to members as dividends. This is why some years see higher rates and some years slightly lower.
The remaining portion is reinvested to maintain Pag-IBIG’s stability and ensure future growth.
For more details, check the Pag-IBIG MP2 terms here: Pag-IBIG MP2 Terms & Conditions
Historical Dividend Trends
Looking at the past few years gives us an idea of the Fund’s performance trajectory:
| Year | Regular Savings | MP2 Savings |
|---|---|---|
| 2020 | 5.50% | 6.00% |
| 2021 | 5.90% | 6.50% |
| 2022 | 6.00% | 6.50% |
| 2023 | 6.10% | 6.80% |
| 2024 | 6.60% | 7.10% |
As you can see, the trend is generally upward — a good sign for members who plan long-term savings in MP2.
What Could Influence the 2025/2026 Dividend Rate?
While nothing is official yet, here are factors that typically affect the upcoming dividend rate:
- Pag-IBIG Fund Income – Higher revenue from investments can lead to higher dividends.
- Economic Conditions – Inflation, interest rates, and market performance play a role.
- Investment Portfolio Performance – Returns on Pag-IBIG’s bonds, stocks, and other instruments impact overall profitability.
Based on past trends, many members expect MP2 dividends to stay around 7% or slightly higher, but we won’t know the exact number until the official announcement.
When Will the New Dividend Rate Be Announced?
Pag-IBIG usually announces the dividend rate for the previous year between February and March. So, for 2025 dividends credited in 2026, expect the official number to come early 2026.
Keep an eye on the Pag-IBIG official website or their social media channels to get the exact figure once it’s released.
Planning Your MP2 Contributions
Even without the official 2025/2026 dividend rate, you can still:
- Continue your regular MP2 contributions to maximize compounding.
- Consider a laddered MP2 strategy, where you invest in multiple tranches to have savings maturing every year. This ensures some cash-out flexibility while still enjoying good returns.
- Monitor the dividend announcement and adjust contributions if the new rate is significantly higher or lower than expected.
Blogger’s Corner
The upcoming dividend rate is always a hot topic among Pag-IBIG members. Whether you’re a long-term MP2 investor or just starting, understanding the trends and factors can help you plan smarter. Remember: dividends are part of your wealth-building journey — they may not be huge, but they add up significantly over time.
Hello!
I have been a member for several years in Pag-Ibig Fund. I just pay the regular amount of P500 peso monthly in the Philippines.I am an OFW here in Thailand and I always pay monthly the P500.00.
Will you kindly tell or inform me again what are my benefits because I already don’t know the I formation recently in this Pag Ibig Fund. I want to use some of my benefits because I am a single parent or mother that to make my ends meet.
Also, I want my son to benefit from this.
My querries are:
1. Will I receive a retirement pay?
What is the coverage of my retirement and how much will I receive?
2. What are my benefits?
3.Can my son be benefited from this since I wrote his name as my beneficiary,?
4. Can I make a loan though I am here abroad? If so, how much and how is the computation? How many months to pay thiis loan?
5. Can I use my Pag Ibig as my insurance in going for check up and medical health there and here in abroad? Or in the philippines only?
Can my son use my Pag Ibig insurance for health check up and medical bills there in the Philippines?
Looking forward to a favorable response in this matter.
Thank you so .much.
Lihzie
1. Pag-IBIG regular savings is not a pension fund like SSS. Like what the name says it is a savings program where your contributions earn a dividend. Once you reach the retirement age of 60, you can withdraw all your contributions + dividends earned. You can also opt for an early withdrawal if you have at least 240 monthly contributions.
2. More details here: https://poorpinoyinvestor.com/pagibig-regular-savings/
3. In case of death, the beneficiary can claim all the contributions + dividends of the member. And if the member’s account is active by the time of death, the beneficiary can also file a death benefit claim.
4. Refer to this: https://poorpinoyinvestor.com/pag-ibig-mpl-2025-guide/
5. Pag-IBIG regular savings is not an insurance.
My 5-year MP2 PAG-IBIG account matured on January 6, 2026. I withdrew the principal amount on the same date. However, PAG-IBIG has yet to issue the 2025 dividend, which is expected between February and March 2026. Am I still eligible to receive the 2025 dividend for the account I already withdrew?
The dividend for the last year will be based on the most recent dividend rate.