Frequently Asked Questions:

1. How do I become a member?

Fill out the membership form, life insurance form, and proxy form and submit to your campus cluster. Kindly
download and print the form from the Downloads page.

2. What are the benefits of a member?

a) Monthly contribution from U.P., currently at P200/month per member
b) Separation/Retirement benefits in the form of Equity
c) Life insurance acoverage (currently at P100,000 under a group term life insurance package)
d) Availment of loan after 1 year of membersip
e) Share in income and other fund distributions (usually at year end, which we call Earnings at an average annual
return of 8\\\\\\\\\\\\%)
f) Patronage Refund for loan borrowers (with at least 6 months of consistent and correct monthly payments)
g) Partial Distribution of Equity (Portion of Earnings earned during the year maybe withdrawn or applied to loan)
h) Tax exemption of benefits upon retirement

3. What is an Equity?
An Equity is composed of member's contribution, UP contribution, and earnings.

4. What are the types of Loans

Equity loan
Multi-purpose loan
Emergency loan
Bridge loan
Medical insurance loan
For loan requirements and other details click the link below
LOANS TABLE
5. What are the loan requirements?
a. Be a member for at least one year
b. Net take home pay after loan amortization is not lower than P4,000
c. Submit photocopy of two months most recent payslip except Manila/PGH which requires HRD certifcation.
d. Photocopy of bank account number (LBP, DBP or PNB)
e. Service fee of P200

6. What do I do when I retire or separate from the University to claim my benefit?

Fill out the Benefit Claim Form and submit together with Service Record, Complete UP Clearance and Photocopy of
valid ID's. You are given six months as grace period from date of separation to claim your funds without dormancy
and maintenance charge.

7. Can I withdraw from the Fund?

Yes. Kindly transact with your respective Campus cluster Office for the amount and guidelines. However, members
may re-apply anytime with re-admission fee of Php 500.00.

8. What happens to my account if I go on leave from the University?

A member with no contribution to the Fund for six months or more is considered an inactive member and member
benefits are suspended. However, a member on leave from the University or on Secondment may directly pay their

contribution to our Landbank account. Kindly inform your respective Campus Cluster Office of your status with the
University and of direct payments made regarding your account.

9. Can I add to my monthly contribution from my own money or external funds to be invested with Provident?
No. Members contribute via salary deduction except those on leave without pay.

10. How do I access my online account?

Kindly submit your email address to your respective campus cluster. UPPFI Management will send the password and
login instructions to your emails soon.

11. How do I vote for the sectoral representatives of the Board of Trustees?
Copy the link and watch the video for the general guidelines:
https://www.youtube.com/watch?v=gsPc9f88MdA

12. What are the investments of the Fund?

Government securities
Loans to members
Interest earning deposits
Money market instruments
other non-speculative investments