MANILA — Members of the Home Development Mutual Fund, commonly known as Pag-IBIG Fund, can expect higher returns on their mandatory and voluntary savings after officials announced increased dividend rates for 2025.

During the Pag-IBIG Chairman’s Report 2025 held in Pasay City on Friday, Pag-IBIG Chief Executive Officer Marilene Acosta declared total dividends of P64.34 billion for the year. The amount represents a 98.6 percent payout ratio, exceeding the required minimum distribution of 70 percent of annual net income to members.

“This is the highest [dividend] in our history,” Acosta said.

The dividend declaration was supported by a reported net income of P65.8 billion.

At the same event, Acosta and Department of Human Settlements and Urban Development (DHSUD) Secretary Jose Ramon Aliling, who also chairs the Pag-IBIG Fund Board of Trustees, announced a dividend rate of 6.62 percent for regular savings, slightly higher than the 6.60 percent posted in 2024.

The yield for the Modified Pag-IBIG 2 (MP2) savings program was set at 7.12 percent, up from 7.10 percent the previous year.

Officials said the higher dividend rates reflect the fund’s strong financial performance and continued commitment to providing better returns to its members.