Smart Ways to Earn Passive Income Every Month via 2026 Retail Government Bonds
Getting additional income without having to work extra, often referred to as passive income, is no longer just a dream. In 2026, Government Bonds (SBN) will be the key for those who want to secure their assets while also receiving a steady stream of income each month.
The government, through the Ministry of Finance, has designed a schedule for issuing Retail Government Bonds (SBN) eight times throughout 2026. With a target of raising Rp150-170 trillion, this instrument is predicted to remain attractive because it offers more competitive returns compared to conventional bank deposit interest rates.
Amid projections of a decline in the benchmark interest rate (BI Rate) to 4.50%, banking products such as deposits will experience interest rate adjustments that tend to decrease. In contrast, Retail Government Bonds (SBN) such as Retail Government Bonds (ORI) offer fixed coupon rates that will not change until maturity.
Here are some reasons why investing in ORI and other SBN series is so attractive in 2026:
For those of you who want to develop a “passive income” strategy, noting the schedule is the first step. Here is an estimated schedule for the 2026 Retail Government Bond offerings:
To ensure your investment remains liquid while generating returns, use a laddering strategy. Don’t invest all your funds in one series. Divide your capital into several series with different tenors (e.g., ORI with a 3-year tenor and ORI with a 6-year tenor).
As an illustration, in the ORI029 series issued earlier this year, the government offered a coupon of 5.45% for a 3-year tenor and 5.80% for a 6-year tenor. If you invest Rp1 billion in ORI029 with a 6-year tenor, you will receive a net “passive income” of around Rp4.35 million each month after tax deductions.
- Can Retail Government Bonds be cashed out before maturity?
For ORI and SR (tradable) types, you can sell them on the secondary market through distribution partners after the holding period ends. However, for SBR and ST types, there is an early redemption feature to cash out a maximum of 50% of the balance in the second year.
- What is the difference between ORI and Retail Sukuk (SR)?
ORI is a conventional bond, while SR is a Sharia instrument that uses the ijarah (leasing) concept. Both are equally safe and provide monthly coupons.
- How do I buy them?
Purchases are made 100% online through official distribution partners such as banks (BCA, Mandiri, BRI, etc.), securities companies, or investment fintech platforms (Bibit, Bareksa).
Check the complete schedule for 2026 Retail Government Bonds and the benefits of investing in ORI. A safe passive income strategy with low taxes and 100% state guarantee.