Product Information

The Government of the Republic of Indonesia is pleased to announce the issuance of Retail Government Bonds series SR025-T3 and SR025-T5, available during the offering period from 21 Agustus – 16 September 2026.

SR025 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 Langkah Lebih Bermakna” SR025 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:

  • SR025-T3: 3-year tenor
  • SR025-T5: 5-year tenor

Product Description

Product Detail
Series SR025 - T3 SR025 - T5
Offering Period 21 August – 16 September 2026
Settlement Date 23 September 2026
Maturity Date 10 September 2029 10 September 2031
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 Fixed Coupon
Coupon Rate 6.80% gross per annum 6.90% gross per annum
First Coupon Payment Date 10 October 2026 (short coupon*)
Coupon Payment Frequency Monthly on the 10th
Primary Market Price At Par – 100
Tradability Tradable
Customers Criteria Individual Indonesian Citizens
Order Method Online via D-Bank PRO

*Short coupon indicates that the first coupon payment cover less than one month.

Product Information Memorandum can be accessed on link below:

Program Cashback

Program Mechanism
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  1. Customers eligible for cashback rewards are those who purchase SR025 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 SR025 IPO
    1. Customers who are eligible to receive cashback rewards are those who make purchases of SR025 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 SR025 IPO purchases during Early Bird Period (21-28 August 2026) 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:
      1. Transfers from an account held at another bank to the Customer’s account; or
      2. Transfers from an account held at another bank to the Customer’s account; or
      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 July 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 SR025 IPO Cashback Program – Early Bird & Regular Period.

      During the program period, customers made the following SR025 IPO purchase transactions:

      Transaction Date SR025 IPO Purchase Amount Cashback Reward Remarks
      21 Aug 2026 IDR 800,000,000 IDR 500,000,000 x 0.15% = IDR 750,000 Early Bird Period
      22 Aug 2026 IDR 100,000,000 - No cashback rewarded as the purchase amount did not meet the minimum transaction requirement
      10 Sep 2026 IDR 750,000,000 IDR 500,000,000 x 0.1% = IDR 500,000 Regular non Fresh Fund
      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. SR025 IPO Cross-Sell Program
    1. Customers eligible for the Cross-Sell Program are those who have made SR025 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:
      SR025 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 minimum IDR 100,000,000 (equivalen)
    2. 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.
    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
      • Transactions must incur a minimum fee of 1%.
      • Excludes: (i) money market mutual funds and (ii) Danamon Regular Investment Plan (DRIP).
      Secondary Bonds
      • Transactions must incur a minimum fee of 1%.
      • 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 16 October 2026.

      Case 1:

      • An initial placement of USD 30,000 is made on 21 August 2026 with a tenor of 2 weeks, maturing on 2 September 2026.
      • The matured funds are replaced on 3 September 2026 with a maturity date 16 September 2026.
      • The customer is eligible to receive the cashback reward because the total tenor of the placements is 1 month.

      Case 2:

      • An initial placement of USD 30,000 is made on 21 August 2026 with a tenor of 2 weeks, maturing on 2 September 2026.
      • The matured funds are replaced on 17 September 2026 with a maturity date of 8 Oct 2026.
      • The customer is not eligible to receive the cashback reward because the second placement is made after 16 October 2026.
    5. Illustration of the SR025 IPO Cashback Program – Cross-Sell Scheme.

      A customer makes an SR025 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: According to the product’s ticket size minimum IDR 100,000,000 (equivalen)
      		 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 SR025 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 SR025.
    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 SR025, based on the schedule provided by the Ministry of Finance and subject to successful transaction completion and recording in Bank Danamon’s system.

Related Links

Terms and condition for IPO SR025 program, click here.

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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