Friday, April 3, 2026

As an Employer, HOW to make a PAG-IBIG CONTRIBUTION for your employees? 2026

Home Development Mutual Fund, also known as the Pag-IBIG Fund (Pag-tutulungan sa Kinabukasan Ikaw, Bangko, Industriya, at Gobyerno).

Should you have any query/clarification regarding this notice, please visit or call Sta Rosa branch.
GF Victory Central Mall, Diamond Rd, Balibago Complex,
Balibago, Sta Rosa City, Laguna
Trunkline : (02) 8422 - 3000 local 6456 or 6458
Direct Line : (049) 544 - 7725
Email: starosa.me@pagibigfund.gov.ph

HOW to pay PAG-IBIG CONTRIBUTION?

As of early 2026, the Pag-IBIG Fund (HDMF) contribution rate remains at 2% for employees and 2% for employers, based on a maximum monthly compensation (MC) of ₱10,000. The mandatory maximum contribution is ₱200 each per month (total ₱400), though voluntary contributions exceeding this limit are permitted.

AS an employer, HOW to make a PAG-IBIG CONTRIBUTION? 2026

HOW TO PAY PAG-IBIG CONTRIBUTIONS (EMPLOYER – 2026)

There are ONLY 2 correct real-world methods employers use:

✅ METHOD 1 (RECOMMENDED): Employer Online + PRN

👉 This is the correct and standard process today

🧑‍💻 STEP 1: Log in to Employer Portal

Go to:
👉 PAG-IBIG Employer Online Services (EPRS)

📊 STEP 2: Encode or Upload Employees

Inside the system:

Input your employees:
- PAG-IBIG MID
- Names
- Monthly compensation
- Contribution (employee + employer)

👉 You can:

Encode manually
OR upload Excel file (if many employees)

🧾 STEP 3: Generate PRN (Payment Reference Number)

After encoding:

Click Generate PRN
This is VERY IMPORTANT ❗

👉 PRN = proof that:

Your employee list is recorded
Your payment will be matched correctly

💳 STEP 4: Pay Using PRN (THIS is the actual payment step)

Now you pay using the PRN via:

✔️ Online Payment Options:

GCash
Maya
UnionBank online
BDO online

👉 Choose “Bills Payment → PAG-IBIG”
👉 Enter:

PRN
Amount

📥 STEP 5: Save Receipt

Screenshot / download payment confirmation
Your PRN + receipt = valid proof

❗ IMPORTANT RULE

👉 NO PRN = HIGH RISK OF ERROR

If you just pay without PRN:

Contributions may NOT be posted to employees
You’ll have reconciliation problems later

✅ METHOD 2: Over-the-Counter (Backup only)

If you don’t want online:

Fill up RF-1 form (Employer Remittance Form)
Go to:
- PAG-IBIG branch
- Accredited bank
Pay manually

👉 Slower, more hassle — but works

📊 Contribution Reminder (2026)

Most updated practice:

Employee: 2%
Employer: 2%
Salary cap: ₱10,000

👉 Max:

Employee = ₱200
Employer = ₱200
Total = ₱400

⏰ Due Date

👉 On or before the 10th of next month

Example:

January → Due Feb 10

🔥 REAL TALK (IMPORTANT FOR YOUR BUSINESS)

Since you said you run a small shop:

👉 BEST PRACTICE:

Use Employer Portal + PRN
Pay via GCash or bank
Keep a simple Excel payroll

👉 AVOID:

Paying without PRN
Switching contribution formats mid-year

👍 SIMPLE SUMMARY

👉 Encode employees
👉 Generate PRN
👉 Pay using PRN (GCash / bank)
👉 Save receipt

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