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Rupiah Prime Lending Rate

Last Updated 28 Feb 2026

Rupiah Prime Lending Rate

1. Quantitative Disclosure

effective % p.a.

Data Period:
November 30th, 2025		 Non-MSMEs Loan MSMEs Loan Mortgage Non Mortgage
Corporate Retail Medium Small Micro
Cost of Fund (HPDK) 2,88% NA 2,88% 2,88% 2,88% 2,88% 2,88%
Overhead Cost 3,20% NA 4,10% 4,10% 6.80% 5,70% 5,73%
Profit Margin 1,92% NA 2,52% 3,02% 3,32% 3,42% 2,89%
Prime Lending Rate (SBDK)
(HPDK+Overhead+Margin)		 8.00% NA 9,50% 10.00% 13.00% 12.00% 11,50%

2. Qualitative Disclosure

Category Definition Indicator / Criteria
Corporate Loans for non-MSMEs and non-retail Gross annual sales > Rp 50 Billion or credit limit up to Rp 100 Billion
Retail Loans for retail category in Bank Mandiri segmentation refers to MSME medium category NA
MSME Medium Loans for individual or MSMEs business in accordance to POJK No. 13 of 2024. Working capital > Rp 5 Billion up to Rp 10 Billion and/or gross annual sales > Rp 15 Billion up to Rp 50 Billion
MSME Small Working capital > Rp 1 Billion up to Rp 5 Billion and/or gross annual sales > Rp 2 Billion up to Rp 15 Billion
MSME Micro Working capital up to Rp 1 Billion and/or gross annual sales up to Rp 2 Billion

Notes

  1. Prime Lending Rate only includes conventional bank products with normal interest rates (excluding government programs and special bank programs/promos); Specifically, Prime Lending Rate for Mortgage refers to floating interest rate.

  2. Prime Lending Rate for Non Mortgage refers to Consumer Credit other than Mortgage, including Auto Loans, Credit Card, and Unsecured Credit (Personal Loan).

  3. Prime Lending Rate considers various factors, including the Bank's internal policies, reference interest rates set by the Regulator, and developments in economic conditions.

  4. Prime Lending Rate is a reference in offering and determining credit interest rates, while also considers other supporting factors, including risk assessment for each customer or customer business group.

  5. Information of the current prime lending rate is also available at our branches, Bank Mandiri website (www.bankmandiri.co.id), and Bank’s digital channel.

  6. For further information, especially regarding interest rates for customer group categories that are not included in the categories above, please contact Bank’s relationship manager or our nearest branch.

3. Prime Lending Rate (SBDK) Historical

  • Prime Lending Rate (SBDK) Historical January 31th, 2026- February 27th, 2026

    effective % p.a.

    Tabel Suku Bunga Dasar Kredit
    Periode Data:
    November 30th, 2025    		 Non-MSMEs Loan MSMEs Loan Mortgage Non Mortgage
    Corporate Retail Medium Small Micro
    Cost of Fund (HPDK) 2,88 NA 2,88 2,88 2,88 2,88 2,88
    Overhead Cost 3,20 NA 4,10 4,10 6,80 5,70 5,73
    Profit Margin 1,92 NA 2,52 3,02 3,32 3,42 2,89
    Prime Lending Rate (SBDK)
    (HPDK+Overhead+Margin)    		 8,00 NA 9,50 10,00 13,00 12,00 11,50
  • Prime Lending Rate (SBDK) Historical September 30th, 2025- January 30th, 2026

    effective % p.a.

    Tabel Suku Bunga Dasar Kredit
    Periode Data:
    Agustus 31th, 2025    		 Non-MSMEs Loan MSMEs Loan Mortgage Non Mortgage
    Corporate Retail Medium Small Micro
    Cost of Fund (HPDK) 3,07 NA 3,07 3,07 3,07 3,07 3,07
    Overhead Cost 3,93 NA 4,74 4,74 7,06 7,09 6,09
    Profit Margin 1,50 NA 2,19 2,69 3,37 2,34 2,84
    Prime Lending Rate (SBDK)
    (HPDK+Overhead+Margin)    		 8,50 NA 10,00 10,50 13,50 12,50 12,00
  • Prime Lending Rate (SBDK) Historical June 30th, 2025- September 29th, 2025

    effective % p.a.

    Tabel Suku Bunga Dasar Kredit
    Periode Data:
    May 31th, 2025    		 Non-MSMEs Loan MSMEs Loan Mortgage Non Mortgage
    Corporate Retail Medium Small Micro
    Cost of Fund (HPDK) 3,51 NA 3,51 3,51 3,51 3,51 3,51
    Overhead Cost 3,59 NA 4,57 4,57 6,75 6,39 5,78
    Profit Margin 1,40 NA 1,92 2,42 3,24 2,60 2,71
    Prime Lending Rate (SBDK)
    (HPDK+Overhead+Margin)    		 8,50 NA 10,00 10,50 13,50 12,50 12,00

    effective % p.a.

    Tabel Suku Bunga Dasar Kredit
    Periode Data:
    February 28th, 2025    		 Non-MSMEs Loan MSMEs Loan Mortgage Non Mortgage
    Corporate Retail Medium Small Micro
    Cost of Fund (HPDK) 3,45 NA 3,45 3,45 3,45 3,45 3,45
    Overhead Cost 3,30 NA 4,65 4,65 7,22 6,20 5,37
    Profit Margin 1,75 NA 1,90 2,40 2,83 2,85 3,18
    Prime Lending Rate (SBDK)
    (HPDK+Overhead+Margin)    		 8,50 NA 10,00 10,50 13,50 12,50 12,00
  • Prime Lending Rate (SBDK) Historical March 31th, 2025- June 29th, 2025

    effective % p.a.

    Tabel Suku Bunga Dasar Kredit
    Periode Data:
    February 28th, 2025    		 Non-MSMEs Loan MSMEs Loan Mortgage Non Mortgage
    Corporate Retail Medium Small Micro
    Cost of Fund (HPDK) 3,45 NA 3,45 3,45 3,45 3,45 3,45
    Overhead Cost 3,30 NA 4,65 4,65 7,22 6,20 5,37
    Profit Margin 1,75 NA 1,90 2,40 2,83 2,85 3,18
    Prime Lending Rate (SBDK)
    (HPDK+Overhead+Margin)    		 8,50 NA 10,00 10,50 13,50 12,50 12,00
  • Prime Lending Rate (SBDK) Historical December 31th, 2024- March 30th, 2025

    effective % p.a.

    Tabel Suku Bunga Dasar Kredit
    Periode Data:
    November 30th, 2024    		 Non-MSMEs Loan MSMEs Loan Mortgage Non Mortgage
    Corporate Retail Medium Small Micro
    Cost of Fund (HPDK) 3,25 NA 3,25 3,25 3,25 3,25 3,25
    Overhead Cost 3,45 NA 4,36 4,36 7,64 6,45 5,69
    Profit Margin 1,80 NA 2,39 2,89 2,61 2,80 3,06
    Prime Lending Rate (SBDK)
    (HPDK+Overhead+Margin)    		 8,50 NA 10,00 10,50 13,50 12,50 12,00
  • Prime Lending Rate (SBDK) Historical October 31th, 2024- December 30th, 2024

    effective % p.a.

    Tabel Suku Bunga Dasar Kredit
    Periode Data:
    Agustus 31th, 2024    		 Non-MSMEs Loan MSMEs Loan Mortgage Non Mortgage
    Corporate Retail Medium Small Micro
    Cost of Fund (HPDK) 2,94 NA 2,94 2,94 2,94 2,94 2,94
    Overhead Cost 3,63 NA 4,52 4,52 7,03 6,99 5,64
    Profit Margin 1,93 NA 2,54 3,04 3,53 2,57 3,42
    Prime Lending Rate (SBDK)
    (HPDK+Overhead+Margin)    		 8,50 NA 10,00 10,50 13,50 12,50 12,00