Monas iB Rencana Savings

Monas iB Rencana Saving

Achieve your future aspirations through disciplined, automated savings with Sharia-compliant profit-sharing.

Plan Your Future with Monas iB Rencana

Planned Savings via Automated Debit

A Sharia-compliant term savings account for individuals to achieve financial goals through a routine monthly automated debit system.

Streamlined Savings Features

Flexible tenures of up to 120 months, with no autodebit or failed-debit fees, offering competitive profit-sharing under the Mudharabah Mutlaqah contract.

Versatile for All Financial Goals

Suitable for education funds, wedding funds, religious pilgrimage funds, vacation savings, vehicle financing, and various other future financial requirements.

Product Information, Fees, and Simulation

Description

Value:: Individual SavingsIndividual Savings

Description	Value
Account TypeAccount Type	Individual SavingsIndividual Savings
Contract (Akad)Contract (Akad)	Mudharabah MutlaqahMudharabah Mutlaqah
Customer Profit Sharing RatioCustomer Profit Sharing Ratio	50.03%50.03%
Equivalent RateEquivalent Rate	Equivalent to 3.5%Equivalent to 3.5%
Initial DepositInitial Deposit	Via automated debit in the first monthVia automated debit in the first month
Source AccountSource Account	Must hold a Simpeda Monas iB or other designated accountMust hold a Simpeda Monas iB or other designated account
TenureTenure	Minimum 12 months – Maximum 120 monthsMinimum 12 months – Maximum 120 months
Savings PassbookSavings Passbook	Not availableNot available
ATM CardATM Card	Not availableNot available
Minimum BalanceMinimum Balance	IDR 0IDR 0
Minimum Monthly AutodebitMinimum Monthly Autodebit	IDR 100,000IDR 100,000

Registration Terms and Conditions

1

Account opening documents (National ID Card/KTP, Tax ID/NPWP)

2

Must have a source account for automated debit

3

Account available for individuals only

4

Minimum savings period of 12 months and maximum of 120 months

5

Minimum monthly automated debit of IDR 100,000

Additional Information

Benefits, Risks, and Additional Information

Helps achieve predetermined financial goals, ensuring more structured financial management.
Operates on Sharia principles and features an automated debit system, eliminating the need for manual deposits.
Deposits are covered by the Indonesia Deposit Insurance Corporation (LPS) up to a maximum limit of IDR 2 billion per customer, per bank.
Risk of failing to meet financial targets if the source account lacks sufficient funds during the automated debit process.
Early account closure prior to maturity is subject to applicable fees.
Profit-sharing ratios and projected returns are subject to change based on Bank policy, market conditions, as well as BI and LPS regulations; such adjustments may affect the actual profit-sharing amount received.
Product operates in accordance with Sharia principles based on DSN-MUI Fatwa No. 02/DSN-MUI/IV/2000.
Account opening is exempt from stamp duty; joint accounts under 'AND' or 'OR' conditions are not permitted; available only under 'QQ' (beneficiary) status.
Profit-sharing is subject to a 20% withholding tax for average balances exceeding IDR 7,500,000, in accordance with applicable regulations.
Information regarding fees, benefits, and risks is subject to change in accordance with prevailing regulations.

Product Information Summary (RIPLAY)

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Frequently Asked Questions (FAQ)

A Sharia-compliant term savings account that helps customers achieve their financial targets through regular deposits using an automated debit system.

Automated monthly savings, improved financial discipline, adherence to Sharia principles, competitive profit-sharing, and flexible tenure options.

This product operates under the Mudharabah Mutlaqah contract.

IDR 100,000

No. This product does not include an ATM card or a physical savings passbook.