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Consumer Banking

BSM Investa Cendekia Saving

Time saving account for education-financing plan with fixed installments and is complemented with  insurance protection.


  • Based on the sharia principle of mudharabah muthlaqah scheme
  • Saving term from 1 year to 20 years
  • Saving term range from 1 to 10 years.
  • Customer’s minimum age 17 years and maximum 55  (admission age plus contract period equals or does not exceed 60 years)
  • Minimum monthly installment Rp100,000 to Rp4,000,000.
  • Minimum installment and contract term cannot be changed
  • Partial withdrawal of the balance is allowed upon minimum balance condition of Rp1,000,000.


  • Customer’s ID card (KTP/SIM/Passport) ; NPWP
  • BSM Saving account holder for source account.


  • Competitive profit sharing
  • Flexible financial planning for children’s future education
  • Automatic insurance coverage without prior health examination.

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