How to Claim Pag-IBIG Savings

The Pag-IBIG Fund Savings is designed for members of the Home Development Mutual Fund (HDMF) to access their accumulated assets, comprising personal monthly contributions, employer contributions, and earned dividends. This program caters to Filipino workers aiming for financial security and support, especially for housing and future needs. 

Eligible members, including those retiring, permanently leaving the country, facing total disability, severe illness, or the beneficiaries of deceased members, can claim their funds under certain conditions. Expect to find a straightforward path to access your financial benefits, designed to support your retirement, housing projects, or during times of need, reflecting your dedication and hard work through the years.

pag-ibig claim
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Understanding Pag-IBIG Savings Claim

Pag-IBIG savings consist of your monthly contributions, the employer’s contributions on your behalf (if applicable), and the dividends earned over time. These are intended to provide financial security and support to members, particularly for housing and future needs. The good news is, claiming these funds is straightforward, provided you meet certain conditions and follow the prescribed steps.


The Pag-IBIG Savings Claim process empowers Filipino members with control over their hard-earned funds. According to the Fund, over 10 million Filipinos are active members as of 2021, highlighting the program’s reach. The ability to claim accumulated earnings, including employer contributions and dividend earnings, provides financial flexibility. This can be significant for various situations like starting a business, paying for educational needs, or simply serving as a safety net during emergencies. Furthermore, the Fund offers convenient claim options through their online portal (Virtual Pag-IBIG) to streamline the process and ensure members have easy access to their funds.

Legal Basis

The Fund operates under Republic Act No. 9679, the Home Development Mutual Fund Law of 2009, which mandates the fund to provide a national savings program and affordable shelter financing for Filipinos. This law ensures that members’ funds are securely managed and can be claimed when needed.


Claiming your savings provides several financial benefits, including:

  • Access to your total accumulated savings (TAV), which includes your contributions, your employer’s contributions (if employed), and dividends earned.
  • Financial support for retirement, housing, or in times of need.

Eligibility / Qualifications

To claim your Pag-IBIG savings, you must meet one of the following conditions:

  • Retirement at the age of 60 or 65.
  • Permanent departure from the country.
  • Permanent total disability or insanity.
  • Severe illness of the member or immediate family member.
  • Death of the member (benefits will be claimed by legal heirs).


The primary requirements for claiming your Pag-IBIG earnings include:

  • Duly accomplished Application for Provident Benefits (APB) Claim Form.
  • Two (2) valid IDs (original and photocopy). If the Loyalty Card is not available, any two from the provided list of valid IDs will suffice.
  • Additional documents may be required depending on the reason for the claim, such as a birth certificate or service record for government employees.

Step-by-Step Guide on How to Claim Your Pag-IBIG Savings

Claiming your funds involves a few key steps:

  1. Prepare Your Documents: Gather all required documents, including your completed APB Claim Form and two valid IDs. Check for any additional requirements based on your claim reason.
  2. Log In to Your Virtual Pag-IBIG Account: Before visiting a branch, log in to your Virtual Pag-IBIG Account to review your contributions and loan records. This will help you prepare for any inquiries.
  3. Visit Your Nearest Pag-IBIG Branch: Go to the nearest Pag-IBIG branch and state your intent to claim your funds. Present your documents for verification.
  4. Document Verification: A representative will check your documents and verify any outstanding loans.
  5. Claim Your Savings: Once verified, you will receive a Provident Benefits Acknowledgment Receipt. Your claim proceeds will be scheduled for release.

Remember, the specific requirements and procedures may vary slightly by branch, so it’s a good idea to check with your local office for any additional steps.

Recent Updates

Retired Security Guard Determined to Grow his Savings with Pag-IBIG

Retired security guard Liberato Manrique, who worked for over three decades, has recently withdrawn his Pag-IBIG savings upon retirement. However, despite his retired status, Liberato still desires to continue contributing to the Fund in order to further increase his earnings. Liberato is just one of hundreds of thousands of members who claimed their funds during the first 18 months of the Marcos Administration.

Double Your Savings, Double Your Lump Sum: Pag-IBIG’s New Savings Program

In this new program by Pag-IBIG, your contributions are your savings. Starting February 2024, when your savings double, so does your lump sum payout, with even bigger dividends. Check out the sample computations below to see how your Pag-IBIG funds can work for you.

#AnniverSTORY: Inspiring Testimonial from Teresita and Amor Mendoza

In a heartwarming letter received in July, Ms. Teresita and her daughter Amor expressed their gratitude to the Fund for their assistance in paying for hospital bills and other financial obligations. Teresita utilized her Pag-IBIG Provident Benefit Claim, offering essential support during her illness. Their story of resilience serves as an inspiration to others, motivating the organization to continue providing exceptional services to its members.



Discover the key details about PAG-IBIG Fund member’s benefits and learn when you can withdraw your earnings. BabyDrewTV provides comprehensive information on the withdrawal process and highlights important factors to consider. Stay informed and make the most of your PAG-IBIG Fund membership.



Claiming your Pag-IBIG savings is a significant benefit of being a member of the fund, providing financial support when you need it most. By following the steps outlined above and preparing your documents ahead of time, you can ensure a smooth and hassle-free process. Remember, your savings are a reflection of your hard work and contributions over the years, so take the necessary steps to claim what is rightfully yours.


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