Bank BJB Offers SR024 Retail State Securities Series with Competitive Returns
Bank BJB is continuing to expand access to investment instruments by launching an offering of Retail State Securities (SBN) series SR024. This Sharia-compliant investment product represents an attractive option for those seeking to manage their finances carefully whilst obtaining competitive returns.
SBN Retail series SR024 is available with two tenure options: 3 years and 5 years. For the 3-year tenor, the product offers returns of 5.55 per cent per annum, whilst the 5-year tenor provides returns of 5.90 per cent per annum.
The coupon offered on SR024 is fixed-rate until maturity, providing investors with certainty in obtaining stable investment income throughout the holding period. The SR024 offering period runs from 6 March to 15 April 2026.
To provide added value to customers, orders for SR024 through Bank BJB include a cashback programme worth up to Rp 13 million according to applicable terms. This programme serves as an additional incentive that further enhances the attractiveness of Retail SBN investment through Bank BJB.
Customers can place orders online through the infobjb.id/sbn portal. Through this platform, customers can access complete information and place orders conveniently without needing to visit a branch office. Payment for SR024 orders can be made through Bank BJB’s digital services. This digital accessibility forms part of Bank BJB’s service transformation in delivering a simpler, easier, and more efficient investment experience to customers.
Beyond the straightforward process, SR024 also offers competitive returns compared with various conventional savings instruments. This makes Retail SBN an attractive investment alternative for customers seeking a balance between security and returns.
This instrument is also known to possess high safety levels as it is issued and guaranteed by the state. Both principal investment and coupon payments are fully guaranteed by the government. With these guarantees, default risk becomes very low. This makes SR024 a prudent investment choice for both novice and experienced investors.
Beyond safety considerations, investment in Retail SBN also provides broader benefits for the national economy. Funds raised through SBN issuance will be used to support financing for various development programmes within the State Budget.
Through this investment, the public indirectly contributes to national development. These funds can be utilised for strategic programmes such as infrastructure development, strengthening public services, and social programmes for the community.
SR024 also provides flexibility in managing investment portfolios. This instrument can form part of a diversification strategy to maintain the stability of investment value over the medium to long term.
Portfolio diversification is important when facing the constantly changing dynamics of financial markets. The presence of Retail SBN provides a stable investment alternative amongst the various other investment options available.
Additionally, SR024 offers potential capital gains through secondary market trading. After the minimum holding period has passed, investors have the opportunity to buy and sell this instrument in accordance with market conditions.
This flexibility provides scope for investors to manage their investment portfolios in a more dynamic manner. Investors can consider investment strategies suited to their financial needs.
Beyond providing investment access, Bank BJB continues to promote financial education for the public. This step forms part of Bank BJB’s commitment to enhancing public understanding of the importance of healthy financial management.
Through participation in Retail SBN investment, customers not only have the potential to obtain financial gains but also play an active role in supporting sustainable development. Bank BJB is licenced and supervised by the Financial Services Authority (OJK) and Bank Indonesia (BI), and Bank BJB is a participant in the Deposit Insurance Corporation (LPS).