At its 20–21 October 2026 Board of Governors meeting, Bank Indonesia kept the BI Rate at 5.75%, held the Lending Facility at 6.50%, and raised the Depos

it Facility rate to 5.00%. This combination seeks to support rupiah stability while preserving momentum in economic activity. BI also reiterated its 2.5±1% inflation target for 2026 and 2027 and set a phased reduction in the average conventional-bank reserve requirement from 9% to 7%, beginning in November and December 2026.

For households, a policy rate does not mechanically set savings or loan rates. Banks price deposits and credit according to liquidity, risk and competition. Borrowers with floating-rate debt can review their contract terms and monthly budget, while savers should compare net returns, fees and withdrawal conditions.

The decision signals that currency stability remains a policy consideration alongside liquidity for the real economy. Any effect on the rupiah, lending rates or asset prices will depend on subsequent market conditions; it does not guarantee a specific change to any individual financial product.