Deposito Rupiah Baru

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Investment Options Providing Profitability and Security

To ensure that your funds are invested in a secure and reliable place, while also being profitable, Mandiri Rupiah Deposito is the right and dependable choice. Mandiri Rupiah Deposito is a time deposit in Indonesian Rupiah with attractive interest rates and various other benefits.

 
 
 
 

Benefits

Competitive Interest Rates

 
 
BANK MANDIRI

Competitive interest rates of Mandiri Deposito accelerate the growth of your investment.

 
BANK MANDIRI

Interest is calculated based on the actual number of days (1 year calculated as 365 days).

 
 
 
 

High Flexibility

  • Various term options are available, allowing customer to tailor the deposit period according to your needs, namely: 1, 3, 6, 12, or 24 months.
  • Free automatic deposit renewal (Automatic Roll Over / ARO).
  • ACustomer can choose to reinvest the deposit interest into the principal deposit or transfer it to a Mandiri Giro or Mandiri Savings account, which is withdrawable at any time.
  • Deposit interest can be received in advance, eliminating the need for a full upfront payment for the amount you wish to place in Mandiri Rupiah Deposito.
  • Can be opened in the name of two individuals (joint account).
 
 

Facilities

Deposit can be automatically renewed upon maturity.

Deposit on boarding and closure can be conducted through Livin' by Mandiri.

Information services and cancellation of automatic deposit renewal (ARO) are available through Livin' by Mandiri.

 
BANK MANDIRI

Automatic Roll Over

BANK MANDIRI

Livin' by Mandiri

 
 
 
 

Mandiri Securities Collateral Loan

Customer can obtain a Securities Collateral Loan facility with Deposit as collateral. Whatever customer needs, they can be swiftly and easily fulfilled while your Deposit continues to earn interest.

 
 

Requirements

 
 
  • Having a Mandiri Tabungan or Mandiri Giro account.
  • Minimum deposit placement:
    • Opening through a branch office: IDR 10,000,000,-
    • Opening through e-Banking (Livin' by Mandiri): IDR 1,000,000.--
  • For Individuals:
    • Indonesian citizens: Please provide your e-ID card with the registered NIK in the Population Administration Information System and NPWP**.
    • Foreign citizens: Kindly submit your Passport and KIMS / KITAS / KITAP (Temporary Stay Permit Card / Temporary Residence Permit Card).
  • For Companies:
    • e-ID card with the NIK registered in the Population Administration Information System of the authorized officer.
    • Business License (SIUP), Tax ID (NPWP), the company's establishment deed, and its latest amendments.
  • Stamp duty fees at the time of deposit opening and withdrawal according to applicable regulations.
  • Interest is subject to tax as per prevailing regulations.

**) Specifically for customers obligated to have and already possess a Tax ID (NPWP).

*) Interest rates and fees are subject to change at any time.

 
 

Informasi produk lebih lanjut:

BANK MANDIRI Suku BungaBANK MANDIRI Tarif
 
 

Frequently Asked Questions (FAQs)

What is meant by Mandiri Rupiah Deposito?

Mandiri Rupiah Deposito is a time deposit in Indonesian Rupiah with attractive interest rates and various other benefits.

What are the benefits of Mandiri Rupiah Deposito?

  • Secure, Reliable, and Profitable Investment
  • Competitive Interest Rates
  • No Administrative Fees Except Stamp Duty
  • Special Collateral Credit Facility for Mandiri Deposito Opened via Branch
  • Deposito with Mandiri Deposito as Collateral
  • Interest Calculated Based on Actual Days (365 days a Year)

What are the features of Mandiri Rupiah Deposito?

  • Mandiri Rupiah Deposito can be opened through branches and Livin' by Mandiri.
  • Allows automatic extension through Automatic Roll Over (ARO).
  • For deposits opened via Livin' by Mandiri, online withdrawal and cancellation of Automatic Roll Over (ARO) can be performed. Cancellation of automatic deposit extension (ARO) must be done at the latest H-2 before the Deposito matures.
  • Offers high flexibility with various tenure options: 1, 3, 6, 12, or 24 months.
  • Specifically for Mandiri Deposito opened via Livin' by Mandiri, it provides tenure options of 1 and 3 months.
  • Allows reinvestment of Mandiri Deposito interest into the principal deposit or transfer to Mandiri Giro or Mandiri Tabungan for immediate withdrawal.
  • Mandiri Deposito interest can be received upfront, eliminating the need to pay in full according to the amount placed in Mandiri Rupiah Deposito. Deposits with upfront interest payment can only be opened through branches.
  • Can be opened jointly by two individuals (joint account AND & OR) and QQ (Qualitate Qua).

How are the regulations for the maturity withdrawal of Deposito on holidays?

  • Non ARO Issued Deposito:
    • Deposito issued as Non ARO and maturing on a national holiday, collective leave, or Saturday/Sunday will automatically shift its maturity date to the next working day.
    • For Deposito opened through a Branch, withdrawal should be made by the customer at the Branch on the maturity date stated on the certificate or or on the Branch's first working day,, with no penalties applied.
    • Deposito opened through Livin' by Mandiri will be automatically disbursed to the source account on the maturity date stated in Livin' by Mandiri.
  • ARO Issued Deposito:
    • Deposito issued as ARO and maturing on a national holiday, collective leave, or Saturday/Sunday will maintain its maturity date as per the opening date of the Deposito.
    • For Deposito opened through a Branch, withdrawal should be made by the customer at the Branch on the Branch's first working day, with no penalties applied.
    • Deposito opened through Livin' by Mandiri will be automatically disbursed keto the customer's account on the maturity date stated in Livin' by Mandiri, following the applicable regulations. Cancellation of the automatic deposit extension/ARO must be done at the latest H-2 before the Deposito matures.

How to open Mandiri Deposito through Livin' by Mandiri?

The process for opening Mandiri Deposito via Livin' by Mandiri can be accessed through the page https://www.bankmandiri.co.id/livin/education/how-to-open-deposito

Interest Rate

The interest rate is provided in accordance with the tier of deposit placement and the selected tenure. Complete information regarding deposit interest rates can be accessed through the page: https://www.bankmandiri.co.id/web/guest/suku-bunga-dana#deposito

For Further Information

Contact Mandiri Call 14000 or visit the nearest Bank Mandiri branch.

Simulasi Suku Bunga

Nominal Tenor Suku Bunga per Tahun Nominal Suku Bunga Bulanan (sebelum dipotong pajak)* Nominal Suku Bunga Bulanan (setelah dipotong pajak)**
Rp10.000.000,- 1 bulan 2,25% Rp18.493,15 Rp14.794,52

*) Asumsi jumlah hari adalah 30 hari

**) Besar Pajak Penghasilan (PPh) adalah 20%

Keterangan

  • Bunga deposito dikreditkan pada saat jatuh tempo
  • Dalam hal terdapat perubahan suku bunga, maka akan berpengaruh pada nominal bunga yang diterima nasabah
 
 
Informasi Risiko Terkait Produk
  • Deposito Nasabah tidak termasuk dalam program penjaminan Penjaminan Lembaga Penjamin Simpanan (LPS), apabila:
    • Nominal seluruh saldo simpanan Nasabah melebihi (equivalen) Rp. 2 (dua) Miliar pada satu bank, baik untuk rekening tunggal maupun rekening gabungan (joint account)
    • Suku bunga yang Nasabah dapatkan melebihi tingkat bunga maksimum penjaminan LPS
  • Fluktuasi suku bunga tabungan bisa terjadi mengikuti perkembangan pasar.
  • Nasabah wajib menjaga data rahasia (nomor kartu debit, masa berlaku kartu, CVC/CVV, pin, username, password, OTP, tanggal lahir, nama ibu kandung), penyalahgunaan data rahasia oleh pihak yang tidak berwenang menjadi tanggung jawab Nasabah sepenuhnya.
  • Nasabah berkewajiban menyediakan informasi dan/atau data sesuai dengan kondisi sesungguhnya dan konsekuensi jika Nasabah tidak menyampaikan informasi dan/atau data yang sebenarnya menjadi tanggung jawab Nasabah sepenuhnya.