Product Information

The Government of the Republic of Indonesia is pleased to announce the issuance of Retail Government Bonds series SR024-T3 and SR024-T5, available during the offering period from 6 March – 15 April 2026.

SR024 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 Ketenangan yang Nyata” SR024 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:

  • SR024-T3: 3-year tenor
  • SR024-T5: 5-year tenor

Product Description

Product Detail
Series SR024 - T3 SR024 - T5
Offering Period 6 Maret – 15 April 2026
Settlement Date 22 April 2026
Maturity Date 10 March 2029 10 March 2031
Minimum Order IDR 1.000.000
Order Increment IDR 1.000.000
Maximum Order per Customer Rp 5.000.000.000 Rp 10.000.000.000
Coupon Type Fixed Coupon
Coupon Rate 5.55% gross per annum 5.90% gross per annum
First Coupon Payment Date 10 May 2026 (short coupon*)
Coupon Payment Frequency Monthly on the 10th
Primary Market Price At Par – 100
Tradability Tradable in secondary market from 11 May 2026
Customers Criteria Individual Indonesian Citizens
Order Method Online via D-Bank PRO
*Short coupon indicates that the first coupon payment covers a period shorter than one month.

Product Information Memorandum can be accessed on link below:

Program Cashback SR024

Program Mechanism
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  1. Customers eligible for cashback rewards are those who purchase SR024 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 SR024 IPO

    1. Customers who are eligible to receive cashback rewards are those who make purchases of SR024 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
      Early Bird
      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 SR024 IPO purchases under Early Bird Scheme: Purchases made during the Early Bird period, from 6 - 15 March 2026.
    4. Illustration of the SR024 IPO Cashback Program – Early Bird & Regular Period.
      During the program period, customers made the following SR024 IPO purchase transactions:
      Transaction
      Date      		 Nominal Transaksi
      SR024 IPO
      Purchase Amount      		 Cashback Reward Remarks
      6 Mar 2026 IDR 800,000,000 IDR 500,000,000 x 0.15% = IDR 750,000 Early Bird Period
      7 Mar 2026 IDR 100,000,000 - Early Bird Period
      14 Mar 2026 IDR 750,000,000 IDR 500,000,000 x 0.1% = IDR 500,000 Regular Period
      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. SR024 IPO Cross-Sell Program

    1. Customers eligible for the Cross-Sell Program are those who have made SR024 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:
      SR024 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) ≥USD20.000
      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 15 May 2026.

        Case 1:

        1. An initial placement of USD 30,000 is made on 6 Mar 2026 with a tenor of 2 weeks, maturing on 20 Mar 2026.
        2. The matured funds are re placed on 23 Mar 2026 with a maturity date 7 May 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 Mar 2026 with a tenor of 2 weeks, maturing on 20 Mar 2026.
        2. The matured funds are re placed on 16 May 2026 with a maturity date of 30 May 2026.
        3. The customer is not eligible to receive the cashback reward because the second placement is made after 15 May 2026.

    2. Illustration of the SR024 IPO Cashback Program – Cross-Sell Scheme.
      A customer makes an SR024 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
      Period Amount Cross
      Sell
      Product      		 Minimum Cross-Sell
      per Product      		 IPO Cross Sell Total
      1 Early Bird IDR 1,000,000,000 1 Cross Sell Product   Mutual Funds ≥ IDR 200.000.000,00

      Secondary Bonds ≥ IDR 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 IDR 1,000,000,000 2 Produk Cross Sell IDR 1,500,000 IDR 2,000,000 IDR 3,500,000
      3 Early Bird IDR 1,000,000,000 3 Produk Cross Sell IDR 1,500,000 IDR 3,000,000 IDR 4,500,000
      4 Early Bird IDR 1,000,000,000 4 Produk Cross Sell IDR 1,500,000 IDR 4,000,000 IDR 5,500,000
      5 Non-Early Bird IDR 1,000,000,000 1 Produk Cross Sell IDR 1,000,000 IDR 1,000,000 IDR 2,000,000
      6 Non-Early Bird IDR 1,000,000,000 2 Produk Cross Sell IDR 1,000,000 IDR 2,000,000 IDR 3,000,000
      7 Non-Early Bird IDR 1,000,000,000 3 Produk Cross Sell IDR 1,000,000 IDR 3,000,000 IDR 4,000,000
      8 Non-Early Bird IDR 1,000,000,000 4 Produk Cross Sell IDR 1,000,000 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 SR024 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 SR024.
    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 SR024, 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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