Nusamba Deposit

Nusamba Deposit

Deposito Nusamba is a deposit account for individuals and businesses in Indonesian Rupiah, for a specific term period.

 

KEY FEATURES

Minimum Placement
: Minimum placement of IDR 1,000,000

Choice of Time Frames
: 1, 3, 6, 12, and 24 months

Deposit Interest Rate*: Progressive Rate According to the Term

  • Term 1 month : 1.25% per annum
  • Term 3 months : 3.75% per annum
  • Term 6 months : 4.25% per year
  • Term 12 months: 4.50% per annum
  • Term 24 months : 5.00% per annum

Guarantee Interest Rate
: 6.50% per annum

** The guarantee interest rate is in accordance with the LPS applicable on the date the document is issued

 

COST

  • Tax Calculable Balance : ≥ IDR 7,500,000
  • Penalty Before Jatem: Adjusts the Bank's policy
     (*Disbursement before the due date is imposed/charged a penalty and the amount is determined by the policy of the Bank Leader)

 

REQUIREMENT

  1. Bring an Identity Card (KTP/SIM/Passport/NPWP (Optional))
  2. Fill out the Nusamba Deposit Opening Application Form
  3. Filling Specimens
  4. Must open a main / master account

 

BENEFIT

  1. Getting used to living frugally for future financial needs such as education fees, ceremonies, etc.
  2. Competitive interest rates
  3. Easy requirements
  4. Can be used as credit collateral
  5. Guaranteed by the Deposit Insurance Corporation (LPS)

 

RISK

  1. Risk of changes in deposit interest rates
  2. Your deposit is not guaranteed by LPS if:
     - The nominal total deposit balance in your name exceeds the guarantee limit of 2 billion rupiah
     - The interest rate on your deposit exceeds the interest rate on LPS's guarantee rate

 

SIMULATION
Simulation of Nusamba Deposit Interest Calculation

Deposit

Term (Interest Rate)

Interest Received

Interest After Tax

IDR 5,000,000

12 months (4.50%)

IDR18,493.15

IDR18,493.15

IDR 2,000,000,000

24 months (5.00%)

IDR 8,219,178,08

IDR 6,575,342.47

 

Information:

  • Deposit Deposits
  • Term in months (interest rate)
  • Calculation of interest received for 1 month in 30 days
  • Deduct interest tax by 20% if the deposit is above IDR 7,500,000

 

ADDITIONAL INFORMATION

  1. Fill out and sign the "Application for Opening Nusamba Deposit" form, as a sign of agreeing to all the requirements to become a depositor as stated in the application.
  2. Submit a copy of valid personal identity (ID card, driver's license and other valid proof of identity).
  3. If on behalf of a minor child, the application for the opening of savings and specimens is signed by the designated parent or guardian by attaching a valid Personal Identity.
  4. Deposit funds to be deposited into the nusamba deposit account as low as possible in accordance with the minimum conditions set by the Bank.
  5. The loss of the Nusamba Deposit bill is the sole responsibility of the depositor and must immediately report to the Bank by attaching a Certificate of Loss from the Police.
  6. Deposits evidenced by this memorandum are non-transferable, but can be pledged to the Bank as securities in the event of binding or cancellation of an obligation or debt between the Bank and the depositor.
  7. If the depositor dies, the deposit will be paid to his or her heirs. In the event that the depositor consists of two or more people, the disbursement of nusamba deposits before maturity must be approved by the Bank Chairman, where for the disbursement a penalty or fine is imposed which is the finalized interest income for the Bank and the amount is determined by the discretion of the Bank Chairman.
  8. When making a deposit, the customer includes a plan for the depositor to be transferred directly to the account concerned, then the Bank at the maturity time will immediately make the transfer, so that the Bilyet Deposit held by the customer is no longer valid and is handed over to the Bank.
  9. For deposits opened in the form of Automatic Roll Over at maturity, the interest rate for the next period is adjusted to the applicable interest rate.
  10. In addition to the above-mentioned conditions, depositors must comply with other Bank regulations as far as deposit transactions are concerned.
  11. Each Nusamba Deposit issued is poured into the Nusamba Deposit bill and signed by the BPR leader.

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