The Home Development Mutual Fund (abbreviated as HDMF), more popularly known as the Pag-IBIG Fund, is a Philippine government-owned and controlled corporation under the Department of Human Settlements and Urban Development responsible for the administration of the national savings program and affordable shelter financing for Filipinos employed by local and foreign-based employers as well as voluntary and self-employed members. It offers its members short-term loans and access to housing programs.

The Human Development Mutual Fund is the largest welfare fund in the developing world. This fund comprises a mandatory $25 membership contribution by foreign employers and migrant workers, which is an answer to a national savings program and a shelter financing for the Filipino workers.