The benchmark interest rate in Indonesia was last recorded at 5.25 percent. This dataset provides - Indonesia Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

In 2023, the real interest rate in Indonesia was 7.28 percent. Between 1986 and 2023, the figure dropped by 11.55 percentage points, though the decline followed an uneven course rather than a steady trajectory.

Key information about Indonesia Short Term Interest Rate

• Indonesia Short Term Interest Rate: Month End: Indonesia: 3 Months Interbank was reported at 6.76 % pa in May 2023, compared with 6.76 % pa in the previous month.
• Indonesia Short Term Interest Rate data is updated monthly, available from Dec 1995 to May 2023.
• The data reached an all-time high of 57.58 % pa in Aug 1998 and a record low of 3.75 % pa in Apr 2022.
• Short Term Interest Rate is reported by reported by CEIC Data.

CEIC calculates monthly Short Term Interest Rate from daily Jakarta Interbank Offered Rate. Bank Indonesia provides Jakarta Interbank Offered Rate.


Related information about Indonesia Short Term Interest Rate

• In the latest reports, Indonesia Long Term Interest Rate: Month End: Indonesia: Government Bond Yield: 10 Years was reported at 6.47 % pa in May 2023.
• The cash rate (Policy Rate: Month End: Indonesia: 7 Days Reverse Repo Rate) was set at 5.75 % pa in May 2023.
• Indonesia Exchange Rate against USD averaged 14,810.86 (USD/IDR) in May 2023.

Key information about Indonesia Policy Rate

• Indonesia cash rate (Policy Rate: Month End: Indonesia: BI-Rate) was set at 5.75 % pa in Feb 2025, compared with 5.75 % pa in the previous Jan 2025.
• Indonesia Policy Rate averaged 5.25 % pa and is updated monthly, available from Jun 2015 to Feb 2025.
• The data reached an all-time high of 6.25 % pa in Aug 2024 and a record low of 3.50 % pa in Jul 2022.

The Bank of Indonesia announced 7 Days Reverse Repo Rate as new policy rate effective August 19th, 2016. For Policy Rate prior to August 2016, please refer to the 1 Month Bank Indonesia Certificates Auction Rate. From 21 December 2023, Bank Indonesia will change the name of its policy rate to BI Rate, replacing the BI 7-Day Reverse Repo. The new name doesn't change the meaning or objectives of the BI-Rates as the monetary policy stance of Bank Indonesia, with operationalisation still referring to Bank Indonesia reverse repo transaction with a tenor of seven days. [COVID-19-IMPACT]


Related information about Indonesia Policy Rate

• In the latest reports, Indonesia Short Term Interest Rate: Month End: Indonesia: 3 Months Interbank was reported at 6.74 % pa in Jun 2023.
• Its Long Term Interest Rate (Long Term Interest Rate: Month End: Indonesia: Government Bond Yield: 10 Years) was reported at 6.93 % pa in Feb 2025.
• Indonesia Exchange Rate against USD averaged 14,932.00 (USD/IDR) in Jun 2023.
• Its Real Effective Exchange Rate was 111.62 in Jan 2025.

Real interest rate (%) in Indonesia was reported at 7.8342 % in 2024, according to the World Bank collection of development indicators, compiled from officially recognized sources. Indonesia - Real interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on August of 2025.

Graph and download economic data for Interest Rates: Immediate Rates (< 24 Hours): Call Money/Interbank Rate: Total for Indonesia (IRSTCI01IDM156N) from Jan 1990 to Jul 2025 about Indonesia, interbank, overnight, interest rate, interest, and rate.

In 2023, the deposit interest rate in Indonesia stood at 4.63 percent. Between 1990 and 2023, the figure dropped by 12.9 percentage points, though the decline followed an uneven course rather than a steady trajectory.

Key information about Indonesia Long Term Interest Rate

• Indonesia Long Term Interest Rate: Month End: Indonesia: Government Bond Yield: 10 Years was reported at 6.93 % pa in Feb 2025, compared with 7.07 % pa in the previous month.
• Indonesia Long Term Interest Rate data is updated monthly, available from Oct 2008 to Feb 2025.
• The data reached an all-time high of 17.78 % pa in Oct 2008 and a record low of 5.29 % pa in Jan 2012.
• Long Term Interest Rate is reported by reported by CEIC Data.

CEIC calculates monthly Long Term Interest Rate from daily 10 year Government Securities Yield. PT Penilai Harga Efek Indonesia provides 10 year Government Securities Yield.


Related information about Indonesia Long Term Interest Rate

• In the latest reports, Indonesia Short Term Interest Rate: Month End: Indonesia: 3 Months Interbank was reported at 6.74 % pa in Jun 2023.
• The cash rate (Policy Rate: Month End: Indonesia: BI-Rate) was set at 5.75 % pa in Jan 2025.
• Indonesia Exchange Rate against USD averaged 14,932.00 (USD/IDR) in Jun 2023.

Graph and download economic data for Interest Rates: Immediate Rates (< 24 Hours): Central Bank Rates: Total for Indonesia (IRSTCB01IDQ156N) from Q1 1990 to Q4 2023 about Indonesia, overnight, banks, interest rate, depository institutions, interest, and rate.

Lending interest rate (%) in Indonesia was reported at 8.7957 % in 2024, according to the World Bank collection of development indicators, compiled from officially recognized sources. Indonesia - Lending interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on August of 2025.

Deposit Interest Rate in Indonesia decreased to 4.50 percent in July from 4.75 percent in June of 2025. This dataset includes a chart with historical data for Deposit Interest Rate in Indonesia.

As of March 2025, the average interest rate on savings of commercial banks in Indonesia amounted to **** percent. Both commercial and state owned banks share a similar average interest rate for this month.

As of January 2025, the average monthly interest rate for house loans in Indonesia was **** percent. The country's house loan interest rate has gradually decreased over the past few years, with a drop of around *** percent compared to the rate in January 2021. House financing and ownership in Indonesia With mortgage interest rates anticipated to remain lower compared to the pre-COVID-19 pandemic level, Indonesia's residential property market is expected to continue growing. Indonesian banks provided mortgage loans exceeding *** trillion Indonesian as of January 2025, catering to the majority of Indonesians who rely on loans to finance their homeownership needs. Notably, house ownership rates in Indonesian rural areas are significantly higher compared to urban areas. Amid its soaring land and house prices, Jakarta struggled with the lowest house ownership rate of any province in Indonesia. Housing prices Despite its significant housing backlog, which underscores the need for affordable housing, Indonesia's residential property price index has steadily increased in recent years. At the end of 2024, cities like Batam, Pontianak, Pekanbaru, and Samarinda saw the highest increases in property prices. This trend is not limited to primary properties, as the resale price index of second-hand houses has also shown consistent growth over the past few years.

Indonesia ID: Short-Term Interest Rate: Double Hit Scenario data was reported at 5.630 % in Dec 2021. This stayed constant from the previous number of 5.630 % for Sep 2021. Indonesia ID: Short-Term Interest Rate: Double Hit Scenario data is updated quarterly, averaging 9.198 % from Mar 1990 (Median) to Dec 2021, with 128 observations. The data reached an all-time high of 52.320 % in Dec 1998 and a record low of 5.630 % in Dec 2021. Indonesia ID: Short-Term Interest Rate: Double Hit Scenario data remains active status in CEIC and is reported by Organisation for Economic Co-operation and Development. The data is categorized under Global Database’s Indonesia – Table ID.OECD.EO: Interest Rate: Forecast: Non OECD Member: Quarterly. IRS - Short-term interest rate Short-term interest:https://stats.oecd.org/glossary/detail.asp?ID=1394; Interest Rate of Time Deposits in Rupiah by Group of Banks , Commercial banks, 3-months

Deposit interest rate (%) in Indonesia was reported at 5.4263 % in 2024, according to the World Bank collection of development indicators, compiled from officially recognized sources. Indonesia - Deposit interest rate - actual values, historical data, forecasts and projections were sourced from the World Bank on August of 2025.

As of March 2025, the average interest rate on a demand deposit of commercial banks in Indonesia amounted to **** percent. On the other hand, the average interest rate on demand deposits for state owned banks are slightly higher at around **** percent.

Graph and download economic data for Interest Rates, Discount Rate for Indonesia (INTDSRIDM193N) from Jan 1990 to Apr 2013 about Indonesia, interest rate, interest, and rate.

Interest rate spread (lending rate minus deposit rate, %) in Indonesia was reported at 3.3694 % in 2024, according to the World Bank collection of development indicators, compiled from officially recognized sources. Indonesia - Interest rate spread (lending rate minus deposit rate, %) - actual values, historical data, forecasts and projections were sourced from the World Bank on August of 2025.

Key Interest Rate: Central Banks data was reported at 5.000 % in 2026. This records a decrease from the previous number of 5.375 % for 2025. Key Interest Rate: Central Banks data is updated yearly, averaging 5.938 % from Dec 2005 (Median) to 2026, with 22 observations. The data reached an all-time high of 12.750 % in 2005 and a record low of 3.500 % in 2021. Key Interest Rate: Central Banks data remains active status in CEIC and is reported by Organisation for Economic Co-operation and Development. The data is categorized under Global Database’s Indonesia – Table ID.OECD.EO: Interest Rate: Forecast: Non OECD Member: Annual.

Indonesia Banking Survey: Loan Interest Rate: Whole Year Estimation: in Rupiah: Investment data was reported at 10.264 % in Mar 2025. This records a decrease from the previous number of 10.296 % for Dec 2024. Indonesia Banking Survey: Loan Interest Rate: Whole Year Estimation: in Rupiah: Investment data is updated quarterly, averaging 11.745 % from Mar 2012 (Median) to Mar 2025, with 53 observations. The data reached an all-time high of 13.650 % in Jun 2015 and a record low of 10.138 % in Sep 2021. Indonesia Banking Survey: Loan Interest Rate: Whole Year Estimation: in Rupiah: Investment data remains active status in CEIC and is reported by Bank Indonesia. The data is categorized under Indonesia Premium Database’s Business and Economic Survey – Table ID.SE003: Banking Survey: Interest Rate. [COVID-19-IMPACT]