GSIS Portal

Author: gsisportaladmin

  • MPL Flex: Borrow Up to 14× Your Salary at 6% — Program Summary

    The Multi-Purpose Loan Flex (MPL Flex) is GSIS’s flagship loan program for active members. Here are the terms that matter, from the official GSIS program form.

    Key terms

    • Maximum loan: up to 14× your Basic Monthly Salary, capped at ₱5,000,000
    • Interest: 6% per year on the outstanding balance
    • Term: up to 15 years, depending on your Period with Paid Premiums (PPP)
    • How much you can borrow depends on your PPP: under 20 months = 1× salary; 20 months to under 3 years = 3×; 3 to under 5 years = 4×; 5 to under 10 years = 7×; 10 to under 15 years = 10×; 15 years or more = 14×

    Who can apply

    Active members with at least 1 month of paid premiums, not on leave without pay, with no pending administrative or criminal case, and with at least ₱5,000 net take-home pay after deductions. Applications are filed through the GSIS Touch app or at a GSIS branch.

    Estimate yours

    Use our GSIS Loan Calculator to see your maximum loanable amount and monthly amortization in seconds — no login, no BP number needed.

    This is an unofficial guide and is not affiliated with the GSIS. Figures are from the official MPL Flex program terms; GSIS computes your actual loanable amount when you apply.

  • GSIS Touch Is Now the Main Online Channel — eGSISMO and GW@PS Kiosks Retired

    If you have been trying to log in to eGSISMO lately, stop — the portal is gone. GSIS discontinued the eGSISMO web portal (egsismo.gsis.gov.ph) on October 4, 2024, and decommissioned the GW@PS kiosks in the same shift to digital.

    What replaced it

    Everything members used to do on eGSISMO now lives in the GSIS Touch mobile app, which absorbed eGSISMO, the GTAP guide, and APIR into a single app:

    • View your membership profile and service record
    • Check contributions and loan balances
    • Run tentative computations for loans and claims
    • Apply for loans and monitor their status
    • Schedule your APIR (for pensioners)

    By 2025, GSIS reported about 91% of members were already enrolled in GSIS Touch.

    What you should do

    1. Download GSIS Touch from the Google Play Store or Apple App Store.
    2. Register using your BP number and the mobile number GSIS has on file — your one-time PIN (OTP) is sent there.
    3. If your mobile number has changed, update it first through your agency’s Agency Authorized Officer (AAO) or at a GSIS branch, then register.

    If you cannot use the app

    You can still transact at any GSIS branch, and the GSIS Contact Center (8847-4747) can guide you through registration problems. Pensioners abroad can coordinate APIR through their handling branch by email.

    For the full story — including how to do everything you used eGSISMO for — read our eGSISMO guide.

    This is an unofficial guide and is not affiliated with the GSIS.