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BNI Simponi


BNI Simponi

BNI Simponi is a pension program with a defined contribution scheme, established by DPLK BNI in 1994 based on the Pension Fund Law No. 11, 1992. DPLK BNI (Dana Pensiun Lembaga Keuangan/Pension Fund Financial Institution) has been the largest in asset since 2001.

Whoever you are, you can be a BNI Simponi member.

BNI Simponi can be applied by all, any profession such as civil servant, employees of private - or state-owned companies, doctor, notary, consultant, accountant, lawyer, architect, merchant, farmer, labor, student, etc who will need prosperous retirement days.

It is very easy to be a BNI Simponi member.

Please come to the nearest BNI Branch with your ID Card, fill out the application and make an initial deposit payment of Rp 250.000,-, then you will become a BNI Simponi member.

Benefits for BNI Simponi Members

Those with limited income can enjoy an optimal return, only by making a minimum monthly deposit of Rp 50.000,-. He/she will enjoy an opportunity to receive monthly income for life (by purchasing an annuity program from an insurance company) which can be passed down to his/her widows and children until the age of 25, or married, or with a job.

Investment Packages for BNI Simponi Members.

Return on investment will depend upon market prevailing rates as well as choice of investment packages, as follows :

  • SIMPONI LIKUID = 100% Time Deposit and/or Money Market.
  • SIMPONI LIKUID PLUS = 75% Time Deposit and/or Money Market& 25% Bonds.
  • SIMPONI LIKUID SYARIAH = 100% Shariah of Time Deposit and/or Money Market and/or Bonds.
  • SIMPONI MODERAT = 50% Time Deposit and/or Money Market & 50% Bonds.
  • SIMPONI BERIMBANG = 50% Time Deposit and/or Money Market& 50% Mutual Fund and/or Equity.
  • SIMPONI BERIMBANG SYARIAH = 50% Shariah of Time Deposit and/or Money Market and/or Bonds& 50% Shariah Mutual Fund.
  • SIMPONI PROGRESIF = 50% Bonds& 50% Mutual Fund and/or Equity.

The Retirement Age in BNI Simponi

You can decide your own retirement age.

BNI Simponi retirement age starts from 40 years old.

BNI Simponi Pension Benefits

  • Normal Retirement, benefits will be paid out when the member has reached the normal retirement age he/she decided before.
  • Early Retirement, benefits will be paid out when the member requests it 10 years before he/she reaches the normal retirement age.
  • Disability Retirement, benefits will be paid out when the member experienced permanent disability and can not continue his/her payment.
  • Member passed away, benefits will be paid out to his/her widow/children or any other beneficiaries.

Advantages for BNI Simponi Members

  • Amount and frequency of deposits are very flexible. You can top up any time.
  • During membership period, investment funds will not be taxed. Payments and returns will receive a deferred tax facilities which will be levied when the pension benefits paid out to the members.
  • BNI Simponi member must choose one of our available investment packages.
  • We will manage your investment funds optimally and the investment return will be calculated daily.

Membership Sign of BNI Simponi

Every BNI Simponi member will receive a BNI Simponi passbook as proof of membership. Every member can always check account balance as well as funds movement by printing the passbook in the nearest BNI Branch, or via BNI e-channel for BNI Taplus holder.

Computerized & Online

All BNI Simponi activities, starting from account opening, deposits, funds withdrawals, account balance information, until account closing in retirement age time, can all be done in all BNI branches through out Indonesia with Online System facility.

It’s Easy to Make BNI Simponi Deposits

Deposit of BNI Simponi can be done in 4 ways :

  • Cash, in all of BNI Branches.
  • Transfers from other banks.
  • Autodebit from affiliation account in BNI.
  • BNI E-channel Facility (ATM, Internet Banking, SMS Banking, Phone Banking).

It’s Easy to Claim Pension Benefits

Members can always come to the nearest BNI Branch, with a complete documentation as follows :

Type of Claim Description Requirement Document
Normal Retirement
  • Member has reached normal retirement age chosen
  • Power of attorney letter on stamp duty
  • Fill out application form for annuity program (only for member with fund above Rp 625 mio)
  • Copy of member ID Card
  • Copy of Family Card
  • BNI Simponi Passbook
  • Copy of Certificate of Retirement/Resignation from employer (for employees only)
Early Retirement
  • Member requests benefit 10 years before he/she reaches the normal retirement age
  • Power of attorney letter on stamp duty
  • Fill out application form for annuity program (only for member with fund above Rp 625 mio)
  • Copy of ID Card
  • Copy of Family Card
  • BNI Simponi Passbook
  • Copy of Certificate of Retirement/Resignation from employer (for employees only)
Passed Away / Disability Retirement
  • Members cease to work because of permanent disabilities
  • Retirement benefits received by beneficiary when member dies before Retirement Age
  • Power of attorney letter on stamp duty
  • Fill out application form for annuity program (only for member with fund above Rp 625 mio)
  • Copy of ID Card for member and Beneficiary
  • BNI Simponi Passbook
  • Death Certificate endorsed by local authorities
  • Certificate of Disability Statement from Doctors
  • Copy of Family Card
  • Copy of Marriage Certificate
By-forced retirement
  • Period of membership below 3 years, with no deposits in 3 consecutive months
  • Excluding the transfer of funds from DPPK and other DPLK
  • Power of attorney letter on stamp duty
  • Copy of member ID Card
  • BNI Simponi Passbook
  • Copy of Certificate of Retirement/Resignation from employer (for employees only)
Postponed Retirement
  • Participant cease to work/laid off
  • The age of participant has not reached retirement age yet
  • Excluding the transfer of funds from DPPK and other DPLK
  • Power of attorney letter on stamp duty
  • Copy of member ID Card
  • BNI Simponi Passbook
  • Copy of Certificate of Retirement/Resignation from employer (for employees only)
Divert to Other Pension Fund
  • Participant wants to divert her/his account to other Pension Fund.
  • Diversion can be done after 1 (one) year membership
  • Power of attorney letter on stamp duty
  • Statement of transfer to other Pension Fund
  • Copy of member ID Card
  • BNI Simponi Passbook
  • Letter of Confirmation from designated Pension Fund
  • Copy of Certificate of Retirement/Resignation from employer (for employees only)

Annotation :

  • All claim process is centralized at DPLK BNI Head Office. BNI Branches only receive documentation with terms and condition stated. Please verify authorized signatures against ID Card and original BNI Simponi Passbook before sending to Head Office.
  • Please attach NPWP Number for claim process (especially for partial claim and by-forced retirement).

Total Benefit Retirement will be taxed in accordance with applied tax regulation.