List of Pag-IBIG Regular Savings Dividend Rates from 2011 to 2023
PAG-IBIG REGULAR SAVINGS DIVIDEND RATES – Here is a full guide on how much your contributions to the Fund may earn.
Are you one of the people who want to save money but also want it to grow while you are safekeeping it for the future? Do not use a piggy bank. One of the best options that you can turn to is to save some of your money through the Pag-BIG Regular Savings.
The Pag-IBIG Fund is one of the state entities that is operating in the Philippines for several decades now. Undeniably, it is most popular for the Pag-IBIG Housing Loan offer which can finance a residential property acquisition, a house construction, a home renovation, a home loan take-out, or even a combination of a lot purchase and a house construction.
However, an updated membership account to the Pag-IBIG Fund does not only give you a ticket to the different Pag-IBIG loans that you may turn to in times of cash needs. You are also growing your money while saving it.
It is best to recall that the Pag-IIBIG Fund is open for both mandatory and voluntary memberships. To keep an updated account to the Fund, a member must regularly submit a monthly savings and must ensure that he/she is paying the right or the new Pag-IBIG monthly contribution rate.
The contribution rates vary among the members depending on the source of income as well as the amount earned. Individuals who fall in the following categories are mandated to maintain an account to the Fund:
- Employees in the private sector (permanent, temporary, or provisional status) up to 60 years old
- Government employees with GSIS coverage, regardless of appointment status
- Self-employed individuals up to 60 years old earning at least ₱1,000 a month
- Kasambahays (e.g., household helpers, cooks, drivers, gardeners, etc.) with a monthly salary of at least ₱1,000
- Land-based and sea-based OFWs
- Filipinos employed by foreign-based employers, whether deployed locally or abroad
- Uniformed personnel (Philippine National Police, Armed Forces of the Philippines, Bureau of Fire Protection, etc.)
- Expats up to 60 years old who are compulsorily covered by the SSS
The Pag-IBIG Fund membership is also opened for voluntary memberships. Individuals who fall in the following categories may also apply for a membership:
- Non-working spouse of registered Pag-IBIG members
- Filipino employees of a foreign government or international organization
- Employees of employers with a waiver or suspension of coverage by the Pag-IBIG Fund
- Religious group leaders and members
- Pensioners, investors, and other individuals with passive income or allowances
- Public officials and employees without GSIS coverage (e.g., barangay officials, Sangguniang Kabataan members, etc.)
How much your savings can grow? It depends on the Pag-IBIG Regular Savings dividend rate for the year. Here is a guide on the dividend rates from 2011 to 2023:
| Year | Pag-IBIG Regular Savings Dividend Rate |
| 2023 | 6.55% |
| 2022 | 6.53% |
| 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% |
To pay for your Pag-IBIG Regular Savings contribution, you can do it at any of the branches of the Pag-IBIG Fund. You may also make the payment through any of the following collecting partners of the Fund:
- SM Business Service Centers
- SM Hypermarket
- Savemore
- Bayad Center and its authorized partners
- LANDBANK
- Metrobank
- ECPay (thru 7-Eleven stores and merchant partners)
- M Lhuillier
- CashPinas Moneygment App (Credit to Account, DragonPay, ECPay, PayPal and 7-Eleven stores)
- GCash (mobile payment)