What is the IDR Yield rate on Pluang?
The IDR Yield rate on Pluang is 2.5% per year for Pluang Plus members and 1% per year for regular users, as of October 2026. The rate is set by Pluang, applies to your whole IDR Cash balance with no maximum, and is calculated every day using a 365-day year. Your rate on any day depends on your membership that day: if you become a Pluang Plus member partway through a month, you earn 2.5% from the day your status changes, and the earlier days are calculated at 1%. Pluang Plus membership is automatic once your Net Investment Value (NIV) reaches Rp100,000,000. Before you complete Global & Yield Asset Verification, the app may show the rate as "up to 2.5%", but you earn nothing until you are verified and have activated IDR Yield.
IDR Yield rates
| Membership | Rate per year | Example: Rp10,000,000 for 30 days¹ |
|---|---|---|
| Pluang Plus | 2.5% | Rp20,547 |
| Regular | 1% | Rp8,219 |
¹ Rp10,000,000 × rate ÷ 365 × 30 days, rounded down to the whole rupiah.
The current rate is always shown in the Pluang app. Pluang can change it with at least 14 calendar days' notice, and a change never applies to yield you have already earned.
Related questions
Q: How do I become a Pluang Plus member?
Pluang Plus membership is automatic. You become a member once your Net Investment Value (NIV) reaches Rp100,000,000, with no application and no fee. NIV is your top-ups, incoming stock transfers, realised gains and dividends, minus withdrawals, outgoing stock transfers, reallocations to other assets and realised losses, so it does not move with market prices. Membership stays active while your NIV remains at or above the threshold.
Q: What happens to my rate if my Pluang Plus status changes mid-month?
Your rate follows your status day by day. Each day's yield is calculated at the rate that matches your membership on that day, so one month can mix days at 2.5% and days at 1%. Nothing is recalculated backwards: days already earned at one rate keep that rate. The month's total is the sum of those daily amounts, paid by the 10th of the following month.
Q: Is the IDR Yield rate fixed?
No. Pluang sets the IDR Yield rate and can change it. Before any change takes effect, Pluang gives at least 14 calendar days' notice in the app and/or by email, and the new rate applies only from its effective date. Yield you have already earned is never recalculated at a new rate. The rate shown in the Pluang app is always the current one.
Q: Do I receive 2.5% every month?
No. 2.5% is an annual rate. Each day you earn your 23:59 WIB balance multiplied by the rate and divided by 365, and the month's yield is the sum of those daily amounts. Rp10,000,000 held for a full 30-day month earns Rp20,547 at 2.5%, or Rp8,219 at 1%, credited to your IDR Cash by the 10th of the following month.
Last updated: 14 October 2026