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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.

UP Provident Fund (UPPF) News

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.


Members as of 2022

P134 M

Revenue in 2021

P3.1 B

Assets as of 2022

P122 M

Net Income in 2021


Why become a member?

4 major benefits to UPPF members

Supplement your retirement savings

Every month, UPPF members receive P200 counterpart contribution from the University. This is tantamount to receiving an additional “bonus” of P200 per month or P2,400 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

Remote Learning Support (RLS) Loan

Zero-interest (0%) computer loan

  • No interest charged to the borrower, since this is a benefit given to UP employees with the goal of assisting them regarding their computer, gadget, and connectivity requirements in light of the COVID-19 pandemic
  • Basic Requirements: RLS Loan Info Slip, Agreement and Authorization to Deduct, 2 months most recent UP payslip, Proof of bank account, Valid proof of purchase

Balance Transfer Loan (BTL)

Transfer your existing bank loan and get monthly cash savings

  • Instant 2% reduction on the interest rate of your existing housing, car, GSIS, Pag-IBIG, or any bank loan
  • 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

Bridge Loan (BL)

Be able to borrow even if net pay can't anymore cover amortization

  • 8% interest for a 1-year loan
  • Borrow up to P20,000 or remaining loanable equity, whichever is lower
  • Loan proceeds released in less than a week
  • Basic Requirement: 2 months most recent UP payslip

How can we help you today?