How to Compute Your PSMBFI KABALIKAT Incentive 2025
As a Philippine National
Police (PNP) officer, your PSMBFI KABALIKAT incentive is a valuable benefit—but
how do you know the exact amount you’ll receive?
Unlike fixed bonuses, this
amount varies based on several factors:
✔ Your current rank and salary
✔ Years of active service
✔ Total PSMBFI contributions
✔ Any loans or service interruptions
The KABALIKAT Incentive is a performance-based annual benefit derived from PSMBFI’s net surplus, designed to:
· Reward long-term membership
· Enhance financial security
· Recognize faithful contribution payments
This guide will walk you
through the computation method so you can estimate your upcoming payout.
Step-by-Step Computation
1. Check Your Rank & Salary History
Your basic salary determines your monthly PSMBFI contributions (3% deduction).
Example Police Officer
Profile:
Joined: June
2014 as PO1/PAT (₱14,834 salary) – before salary increase
Promoted to PCPL: January
2019 (₱38,867)
Promoted to PSSG: February
2024 (₱32,114)
Received MBIEV/MER: ₱10,000 in 2021
Active loan balance: ₱25,000
2. Compute Total Contributions
PSMBFI deducts 3% of base salary monthly. Here’s the breakdown:
|
Rank |
Service
Period |
Monthly
Contribution |
Total |
|
PAT |
2014-2018
(55 months) |
₱445 |
₱24,475 |
|
PCPL |
2019-2023
(60 months) |
₱1,166 |
₱69,960 |
|
PSSG |
2024-2025
(15 months) |
₱963 |
₱14,445 |
|
TOTAL |
|
₱108,880 |
|
Your payslip shows a PSMBFI EP deduction (3% of basic salary).
For example: PSSg: ₱32,114 salary × 3% = ₱963.42/month
Breakdown of Where the
₱963.42 Goes?
|
Fund Allocation |
Percentage |
Amount (₱) |
Purpose |
|
Equity
Fund |
50% |
₱481.71 |
Grows
as the officer’s personal
savings (withdrawable upon retirement/resignation). |
|
Benefit
Fund |
35% |
₱337.20 |
Covers insurance claims (death
benefits, disability, etc.). |
|
General
Fund |
15% |
₱144.51 |
Pays
for PSMBFI’s
operational costs (staff, offices, etc.). |
3. Calculate Your Equity Value
50% of contributions (50%of ₱108,880) go
to your Equity Fund (your savings).
50% to Equity Fund: ₱54,440
Interest (5% per year): ₱19,054 (11 years)
Total Equity Value: (₱54,440 + ₱19,054) ₱73,494
4. Adjust for Past Incentives/Loans
If you received MBIEV/MER (₱10,000 in 2021) or have unpaid loans, deduct them: ₱73,494 – ₱10,000 = ₱63,494
Less Loan Balance (₱25,000): ₱38,494 (₱63,494–₱25,000)
4. Estimate KABALIKAT
Payout
PSMBFI typically
releases 15-25% of Equity Value:
Minimum (15%): ₱5,774
Average (20%): ₱7,699
Maximum (25%): ₱9,624
Final Estimate for PSSg: ₱7,000 to ₱9,000
The 2025 KABALIKAT
payout will be released on April 24, 2025.
Key Factors That Affect Your KABALIKAT Incentive Amount
The KABALIKAT incentive
amount is subject to variation based on these determining factors:
a) Promotion Timeline Matters
The sooner you rank up, the more you benefit
Early promotions mean higher salary contributions → Bigger Equity Value growth
→ Larger KABALIKAT
b) Active service years:
Your service duration directly builds your savings
More active years = More compounding interest = Maximum benefit potential
c) Outstanding Loans
Every unpaid peso deducts directly from your Equity Value
→ A ₱25,000 loan could cost you ₱5,000+ in incentives
d) Service Gaps
Suspensions/AWOL periods freeze your contributions
→ Just 6 months off could mean ₱3,000-₱5,000 less
While this guide helps you estimate your KABALIKAT, only PSMBFI can provide the official amount. Visit PSMBFI to confirm your exact KABALIKAT incentive!