Kredit Pensiun Sejahtera 24

It offers a special credit facility for employees, who are facing retirement period, with a maximum installment period of 24 months.

This product offers a maximum credit installment period of 180 months including a grace period of maximum 24 months.


  • Grace period for maximum 24 months

    • During the grace period, the interest is directly cut from the pensioners’ savings (THT). After the grace period, the interest is cut directly from pensioners’ benefits.
  • Easy and quick

    • Easy procedure
    • Customers will immediately receive the fund as soon as the documents and credit requirement are declared complete by the bank.
  • Flexible

    • Maximum loan up to Rp 300 million
    • Maximum installment of 180 months (including grace period)
    • Top Up and Take Over from other bank facilities are available
  • Protection for inheritors

    • The credit facility is insured and therefore when the debtor passes away, the inheritors can pay the remaining loans. The insurance companies are PT. Asuransi Allianz Indonesia, PT. Asuransi Jiwa Generali Indonesia, and PT. Avrist Assurance.


For more information about the product, please click here.

Get Your Kredit Pensiun Sejahtera 24 Today

Document Requirement :

  • Original Retirement Certificate
  • A copy of valid ID card
  • Reference of Tabungan Hari Tua (THT)
  • A copy of Tax Identification Number (NPWP)
  • Documents for retirements and THT
  • Document for opening an account

*in accordance with the bank’s terms and conditions

Significant Impact

Our empowerment program is an integrated element to our business model. We will always try to create opportunities for all BTPN customers to grow and make a more meaningful life through our products and activities.


BTPN Mataram Customer

“Since the 1990s, I have been developing, accommodating and selling the handiwork of weavers. Unfortunately, the business was not going anywhere. After my retirement, I was determined to develop this business further. Now, together with the BTPN Purna Bakti, my business has grown and I have my own gallery.”

Cecep Solihin

BTPN Bogor Customer

“My business has grown significantly after three years of becoming a BTPN customer. Especially with the trainings I received from BTPN, now I understand about bookkeeping and business management. There, I also learnt about online business.”

Rudy Chandra 

BTPN Pecenongan Customer

Small to medium retail printing is a capital heavy business, but what we sell is largely service-unlike the large scale printing companies. Not many banks are willing to look past the surface and understand the type of business that I have built and run since 8 years ago. With the Bank’s support and assistance over the past 2 years, my business continues to grow together with BTPN Mitra Bisnis.