JAKARTA - The Indonesian government has just issued the first Retail Government Securities (SBN) in 2026, namely the ORI029 series SBN which can be purchased on the Bibit.id investment application from January 26 to February 19, 2026.
ORI029 is offered in two product types, namely ORI029-T3 for a maturity period (tenor) of three years with a yield (coupon) of 5.45 percent per year and ORI029-T6 for a tenor of six years with a coupon of 5.80% per year. The minimum purchase/reservation for ORI029-T3 is IDR 1 million and multiples of IDR 1 million with a maximum of IDR 5 billion. Meanwhile, the minimum purchase/reservation for ORI029-T6 is IDR 1 million and multiples of IDR 1 million with a maximum of IDR 10 billion.
ORI029 offers fixed interest rates (fixed rate) that remain stable until maturity, even though economic conditions rise and fall. With fixed rate returns, investors do not need to worry about national economic uncertainty, global geopolitical dynamics or trends in declining Bank Indonesia (BI) interest rates. For example, if BI interest rates decrease, the ORI029 coupon will not decrease because it is fixed rate / fixed so that it can provide a stable monthly fixed passive income to investors for the next three and six years.
"Coupons will be paid to investors every month so that it can become an attractive passive income. In addition, ORI029 is an investment instrument whose coupon payment and principal are 100 percent guaranteed by law so that investors do not have to worry. For information, this is different from deposits in banks. Bank deposits are only guaranteed by the Deposit Insurance Corporation (LPS) of a maximum of IDR 2 billion per customer, even if the deposit interest does not exceed the maximum limit of the LPS Guarantee Interest Rate currently in effect which is 3.50 percent," explained Head of PR & Corporate Communication Bibit.id, William, in his statement, Friday, January 30.
ORI029 can be purchased at Bibit.id, the only SBN Distribution Partner in the fintech category that received a prestigious award from the Ministry of Finance of the Republic of Indonesia in 2024. At the end of 2024, Bibit.id received an award as the "Best Retail SUN Distribution Partner of 2024 in the Financial Technology Category and Electronic Trading Organizer" and "Best Retail SBSN Distribution Partner of 2024 in the Financial Technology Category". In 2025, Bibit also won the "Most Popular Investment Application Product" award from one of the leading economic media.
Purchasing ORI029 through the Bibit application is very easy and can be done online 24/7 during the bidding period, including during holidays or weekends. This is further facilitated by the payment method using the Customer Fund Account (RDN), without having to switch applications and without any additional charge. In fact, you can get cashback up to IDR 45 million.
"For information, ORI029 is a tradeable type of SBN that can be sold in the secondary market before maturity. This means that for people who want to liquidate their investment in ORI029 early and get a profit, this is possible. However, it should be noted that selling ORI029 before maturity must still see the availability of buyers in the secondary market. The selling price in the secondary market also follows the market price, so it can go up or down," added William.
To be able to invest in SBN in Bibit, users simply click the icon or banner "Surat Berharga Negara (SBN)" on the application or website homepage of Bibit. In this case, Bibit is partnered with Stockbit Securities to manage the recording and storage of the SBN Investor Fund Account owned by investors. Later, after investors make payments for SBN transactions, investors will receive transaction proof in the form of a State Receipt Proof (BPN). In the BPN, there is a State Receipt Number (NTPN) issued directly by the state and becomes proof of ownership of the SBN purchased.
"In line with the tagline ORI029, Valuable Choice for Growth and Power, investing in ORI029 provides attractive and certain returns and provides investors with the opportunity to participate in financing the state budget and supporting national development," concluded William.
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