Product Information

The Government of the Republic of Indonesia is pleased to announce the issuance of Retail Government Bonds series ORI030-T3 and ORI030-T6, available during the offering period from 6 – 30 Juli 2026.

ORI030 is a government-issued bond designed exclusively for individual Indonesian citizens, offering a secure, accessible, and affordable investment opportunity that can be conveniently purchased online through D-Bank PRO. Issued under the theme “Pilihan Berharga, Untuk Esok yang Penuh Makna” ORI030 provides attractive returns while enabling citizens to contribute to the national budget (APBN) and support Indonesia’s economic development.

The coupon is Fixed Coupon and paid monthly until maturity. There are two series based on tenor:

  • ORI030-T3: 3-year tenor
  • ORI030-T6: 6-year tenor

Product Description

Product Detail

Series

ORI030 - T3

ORI030 - T6

Offering Period

6 – 30 July 2026

Settlement Date

5 August 2026

Maturity Date

15 July 2029

15 July 2032

Minimum Order

IDR 1,000,000

Order Increment

IDR 1,000,000

Maximum Order per Customer

IDR 5,000,000,000

IDR 10,000,000,000

Coupon Type

Floating with Floor

Coupon Rate

6.90% gross per annum

7.00% gross per annum

First Coupon Payment Date

15 September 2026 (long coupon*)

Coupon Payment Frequency

Monthly on the 15th

Primary Market Price

At Par – 100

Tradability

Tradable

Customers Criteria

Individual Indonesian Citizens

Order Method

Online via D-Bank PRO

*Long coupon indicates that the first coupon payment cover more than one month.

Product Information Memorandum can be accessed on link below:

Program Cashback ORI030

Program Mechanism
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  1. Customers eligible for cashback rewards are those who purchase ORI030 IPO during the program period with a minimum placement as specified on terms and conditions.
  2. Customers must read and agree to the terms and conditions of the transaction and the Ministry of Finance’s Product Information Memorandum. By agreeing to the program terms and conditions on D-Bank PRO, customers confirm their participation.
  3. Orders must be placed online via D-Bank PRO and marked as “completed order” (payment confirmed).

Reward Program Conditions
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  1. Cashback Reward Program for ORI030 IPO
    1. Customers who are eligible to receive cashback rewards are those who make purchases of ORI030 IPO with a minimum transaction amount of IDR 500,000,000 (five hundred million Rupiah) per transaction via D-Bank PRO during the program period.
    2. Furthermore, customers may receive both cashback and additional cashback if they meet the following conditions: 
      Amount Transaction Cashback Additional Cashback

      Minimum IDR 500,000,000 with

      IDR 500,000,000 increment

      0.10% of the transaction amount

      0.05% of the transaction amount

    3. Customers eligible to receive additional cashback rewards are those who make ORI030 IPO purchases during Early Bird Period or using Fresh Fund during offering periods with detail below:
      Fresh Funds refer to funds originating from sources other than existing Bank Danamon accounts, including:
      (i) Transfers from an account held at another bank to the Customer’s account; or
      (ii) Cash deposits made into the Customer’s account.
      Fresh Funds will be determined based on the difference between the Customer’s Assets Under Management (AUM) at the end of the month in which the IPO transaction is executed and the Customer’s AUM as of June 30, 2026. For the purpose of this provision, AUM includes balances held in Savings Accounts, Current Accounts, Time Deposits, and Investment Products (Mutual Funds and Bonds).
    4. Illustration of the ORI030 IPO Cashback Program – Early Bird & Regular Period.
      During the program period, customers made the following ORI030 IPO purchase transactions:
      Transaction Date ORI030 IPO Purchase Amount Cashback Reward Remarks

      8 July 2026

      IDR 800,000,000

      IDR 500,000,000 x 0.15% = IDR 750,000

      Early Bird Period

      9 July 2026

      IDR 100,000,000

      -

      No cashback rewarded as the purchase amount did not meet the minimum transaction requirement

      16 July 2026

      IDR 750,000,000

      IDR 500,000,000 x 0.1% = IDR 500,000

      Regular
      Total Reward IDR 1,250,000  

      Based on the illustration above, the customer received cashback reward of IDR 1,250,000 (one million two hundred fifty thousand Rupiah).

  2. ORI030 IPO Cross-Sell Program
    1. Customers eligible for the Cross-Sell Program are those who have made ORI030 IPO purchases totaling a minimum of IDR 1,000,000,000 (one billion Rupiah) during the program period, and who also invest in qualifying cross-sell products, as detailed below:
      ORI030 IPO Purchase Minimum Amount Cross-Sell Product Minimum Transaction Amount Additional Cashback per Product

      ≥ IDR 1,000,000,000

      Mutual Funds

      ≥IDR 200,000,000

      IDR 1,000,000

      Secondary Bonds

      ≥IDR 200,000,000

      Foreign Exchange (FX)

      ≥USD 20.000

      DCI

      According to the product’s ticket size

      1. Customers are entitled to receive additional cashback rewards for investments in Cross-Sell products, with a maximum of four (4) eligible investment products (Mutual Funds, Secondary Bonds, FX, or DCI) during the program period.
      2. The minimum purchase amount for each Cross-Sell product must be fulfilled in a single transaction. Accumulated transactions do not qualify.
      3. If the Cross-Sell investment is made in a foreign currency, the minimum transaction amount will be calculated using the exchange rate applicable in Bank Danamon’s system at the time of the transaction.
      4. Terms and conditions apply to the purchase of Cross-Sell products, as outlined in the respective product guidelines as below table:
        Product Type Conditions

        Mutual Funds
        1. Transactions must incur a minimum fee of 1%.
        2. Excludes: (i) money market mutual funds and (ii) Danamon Regular Investment Plan (DRIP).

        Secondary Bonds
        1. Transactions must incur a minimum fee of 1%.
        2. Excludes purchases of retail bonds in the primary market.

        Foreign Exchange (FX)

        Minimum investment amount is calculated using the prevailing exchange rate in Bank Danamon’s system at the time of transaction.

        Dual Currency Investment

        Transactions must have a minimum total tenor of 1 month (30 days), and placements can be made throughout the IPO offering period until 30 August 2026.

         

        Case 1:

        1. An initial placement of USD 30,000 is made on 6 July 2026 with a tenor of 2 weeks, maturing on 20 July 2026.
        2. The matured funds are replaced on 21 July 2026 with a maturity date 10 Aug 2026.
        3. The customer is eligible to receive the cashback reward because the total tenor of the placements is 1 month.

         

        Case 2:

        1. An initial placement of USD 30,000 is made on 6 July 2026 with a tenor of 2 weeks, maturing on 20 July 2026.
        2. The matured funds are replaced on 18 Aug 2026 with a maturity date of 10 Sep 2026.
        3. The customer is not eligible to receive the cashback reward because the second placement is made after 30 Aug 2026.
    2. Illustration of the ORI030 IPO Cashback Program – Cross-Sell Scheme.

      A customer makes an ORI030 IPO purchase of IDR 1,000,000,000 (one billion Rupiah) and invests in eligible Cross-Sell products in accordance with the program terms and conditions:

      Case IPO Transaction Cross Sell Transaction Cashback Reward
      Type Amount Cross Sell Product Minimum Cross-Sell per Product IPO Cross Sell Total

      1

      Early Bird / Fresh Fund

      IDR 1,000,000,000

      1 Cross Sell Product
      • Mutual Funds ≥ Rp 200.000.000,00
      • Secondary Bonds ≥ Rp 200.000.000,00
      • FX ≥ USD20.000
      • DCI: Sesuai ticket size produk

      IDR 1,500,000

      IDR 1,000,000

      IDR 2,500,000

      2

      Early Bird / Fresh Fund

      IDR 1,000,000,000

      2 Cross Sell Product

      IDR 1,500,000

      IDR 2,000,000

      IDR 3,500,000

      3

      Early Bird / Fresh Fund

      IDR 1,000,000,000

      3 Cross Sell Product

      IDR 1,500,000

      IDR 3,000,000

      IDR 4,500,000

      4

      Early Bird / Fresh Fund

      IDR 1,000,000,000

      4 Cross Sell Product

      IDR 1,500,000

      IDR 4,000,000

      IDR 5,500,000

      5

      Non-Early Bird / Non - Fresh Fund

      IDR 1,000,000,000

      1 Cross Sell Product

      IDR 1,000,000

      IDR 1,000,000

      IDR 2,000,000

      6

      Non-Early Bird / Non - Fresh Fund

      IDR 1,000,000,000

      2 Cross Sell Product

      IDR 1,000,000

      IDR 2,000,000

      IDR 3,000,000

      7

      Non-Early Bird / Non - Fresh Fund

      IDR 1,000,000,000

      3 Cross Sell Product

      IDR 1,000,000

      IDR 3,000,000

      IDR 4,000,000

      8

      Non-Early Bird / Non - Fresh Fund

      IDR 1,000,000,000

      4 Cross Sell Product

      IDR 1,0s00,000

      IDR 4,000,000

      IDR 5,000,000
  3. Other Terms and Conditions
    1. Customers cannot claim rewards from more than one program for the same transaction.

      Example: If a customer participates in both the NTB Privilege 2026 and the ORI030 IPO Program, the cashback reward will only be credited for the program offering the higher cashback value.

    2. Cashback rewards will be credited to the account used by the customer to purchase ORI030.
    3. Customers are fully responsible for any applicable tax obligations related to the cashback received, in accordance with prevailing tax regulations in Indonesia.
    4. Cashback will be disbursed no later than 45 business days after the settlement of ORI030, based on the schedule provided by the Ministry of Finance and subject to successful transaction completion and recording in Bank Danamon’s system.

Reminder

Customers should be cautious of fraudulent activities by individuals posing as Bank Danamon representatives and promising rewards in any form. Any fraudulent or criminal acts committed by third parties in connection with this Program are beyond the Bank’s authority.

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D-Bank PRO #SelaluMenggoda

From transaction to daily financial management, find the right solution that captivates everyone from D-Bank PRO by Danamon!

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