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UP Provident Fund

UPPF commits to help UP employees maximize their hard-earned salary.
We empower our members to invest for their future.
All with the goal of helping UPPF members achieve a life of financial comfort.

About UP Provident Fund

UP Provident Fund (UPPF) is a voluntary retirement savings program established by the University of the Philippines (UP) for the benefit of its employees.

10K

Members as of 2023

P163 M

Revenues in 2023

P3.3 B

Assets as of 2023

P141 M

Net Income in 2023

UPPFI_logo

Why become a member?

4 major benefits to UPPF members

Supplement your retirement savings

Every month, UPPF members receive P300 counterpart contribution from the University. This is tantamount to receiving an additional “bonus” of P300 per month or P3,600 per year from UP.

Become a member

Invest and grow your money

Your money can earn a higher rate of return compared to interest rates offered by savings and time deposit accounts. In previous years, UPPF members have earned stable returns averaging 4-8% per year.

Access your account

Avail quick and easy loans

Our loans charge interest rates that are much lower than those of banks, credit cards, or cooperatives. In addition, requirements are simple, no CI or credit investigation is needed, and proceeds are released in less than a week.

Apply for a loan

Get free life insurance

All members automatically receive free life insurance coverage of P100,000. This helps protect your loved ones with some form of financial security in case of unforeseen events.

Contact us

Apply for a loan

Personal Equity Loan (PEL)

Simple requirements and quick processing

  • 12% interest p.a. for loans up to 3 years
  • Loan proceeds released in less than a week
  • Basic Requirement: 2 months most recent UP payslip

Re-Loan (RL)

Get additional loan even if your PEL is not yet fully paid

  • Be able to re-loan after paying a minimum of three (3) months’ PEL amortization
  • Loan proceeds released in less than a week
  • Basic Requirement: 2 months most recent UP payslip

Balance Transfer Loan (BTL)

Transfer an existing bank loan and get monthly cash savings

  • Loan proceeds released in less than a week
  • Basic Requirements: 2 months most recent UP payslip and official Statement of Account from the bank about your loan
  • Interest rate of loans to be transferred: minimum of 10% per annum, effective January 1, 2023

Bridge Loan (BL)

Loan product for members with net pay that can't anymore pay amortization

  • 8% interest for a 1-year loan
  • Borrow up to P25,000 or remaining loanable equity, whichever is lower
  • Loan proceeds released in less than a week
  • Basic Requirement: 2 months most recent UP payslip

Co-Borrower Loan (CBL)

Loan up to P100,000 with 2 co-borrowers

  • With one or two co-borrowers, loan up to P100,000
  • 16% interest p.a. for 3 years
  • Can re-loan after paying the equivalent of 6 months amortization

Emergency Loan (EML)

Additional loan product for those with Bridge Loan (BL)

  • 9% interest p.a. for 1 year
  • Borrow up to P15,000 or remaining loanable equity, whichever is lower
  • Loan proceeds released in less than a week

How can we help you today?