KUR BRI Guide July 2026: Installment Table, Application Requirements, Interest, and Collateral Provisions

Kapanlagi.com - The installment table for KUR BRI July 2026 is information that is highly sought after by MSME actors planning to apply for subsidized business capital loans. By knowing the installment amounts from the start, prospective debtors can adjust their payment capabilities according to their business financial conditions.

PT Bank Rakyat Indonesia (Persero) Tbk is once again distributing People's Business Credit (KUR) with several loan ceiling options and tenors. This program aims to assist productive business actors in obtaining additional capital with interest rates that have been subsidized by the government.

In addition to knowing the monthly installment simulation, prospective borrowers also need to understand the interest provisions, administrative requirements, KUR recipients, and rules regarding collateral. All of this information is important to study before submitting a loan application.

1. KUR BRI Interest Rates July 2026 and Their Determination Scheme

Referring to the official provisions of Bank BRI, the KUR interest is set using an effective annual method. With this system, the portion of interest will decrease as the remaining principal of the loan decreases.

For the Super Micro KUR category with a ceiling of up to Rp10 million, the interest charged is 3% effective per year. This program is aimed at new entrepreneurs and household businesses that need additional working capital in small amounts.

Meanwhile, the Micro KUR with a ceiling above Rp10 million up to Rp100 million, and the Small KUR with a ceiling above Rp100 million to Rp500 million, are charged an interest of 6% to 9% effective per year. The interest rates follow the order of loan applications recorded in the system.

The official provisions conveyed by BRI state:

"3%, *effective per year for Super Micro KUR loans with a ceiling of up to 10 million rupiah. 6 - 9 %

*effective per year, for Micro KUR loans with a ceiling > 10 million up to 100 million rupiah

for Small KUR loans with a ceiling > 100 million up to 500 million rupiah

*Terms and Conditions Apply"

2. BRI KUR Installment Table July 2026

BRI provides installment simulations based on the loan ceiling amount and tenor options ranging from 12 to 60 months. Here are the details.

Ceiling Rp10 million

• 12 months: Rp865,267 per month
• 18 months: Rp586,850 per month
• 24 months: Rp447,726 per month
• 36 months: Rp308,771 per month
• 48 months: Rp239,462 per month
• 60 months: Rp198,012 per month

Ceiling Rp20 million

• 12 months: Rp1,730,535 per month
• 18 months: Rp1,173,700 per month
• 24 months: Rp895,452 per month
• 36 months: Rp617,542 per month
• 48 months: Rp478,925 per month
• 60 months: Rp396,024 per month

Ceiling Rp50 million

• 12 months: Rp4,326,337 per month
• 18 months: Rp2,934,249 per month
• 24 months: Rp2,238,629 per month
• 36 months: Rp1,543,855 per month
• 48 months: Rp1,197,312 per month
• 60 months: Rp990,060 per month

Ceiling Rp80 million

• 12 months: Rp6,922,140 per month
• 18 months: Rp4,694,799 per month
• 24 months: Rp3,581,806 per month
• 36 months: Rp2,470,168 per month
• 48 months: Rp1,915,700 per month
• 60 months: Rp1,548,096 per month

Ceiling Rp100 million

• 12 months: Rp8,652,675 per month
• 18 months: Rp5,868,499 per month
• 24 months: Rp4,477,258 per month
• 36 months: Rp3,087,710 per month
• 48 months: Rp2,394,624 per month
• 60 months: Rp1,980,120 per month

The longer the selected tenor, the smaller the monthly installment. However, the total loan repayment will adjust according to the duration of the term.

3. Who Can Apply for BRI KUR?

The BRI KUR program is intended for productive and eligible business actors who have never received credit or financing for working capital or investment of a commercial nature.

However, there are several exceptions so that prospective debtors can still apply for KUR if:

• They have consumer credit for household needs.
• They have credit under an ultra-micro scheme or similar programs.
• They have loans from technology-based peer-to-peer lending companies or digital financing companies.

The bank will conduct a verification process of the prospective customer's financing history through the financial services information system before deciding on loan approval.

4. Application Documents and KUR BRI Collateral Rules

Before applying for KUR, prospective debtors need to prepare a number of documents as administrative requirements, namely:

• e-ID card of the applicant and spouse for those who are married.
• Family Card (KK).
• Micro and Small Business License (IUMK) or Business Certificate (SKU).
• Active Tax Identification Number (NPWP) for loan applications over Rp50 million.

The bank also ensures that all data on the submitted documents must be accurate so that the verification process runs smoothly.

For collateral provisions, KUR BRI loans up to Rp100 million do not require additional collateral.

Meanwhile, loans with a ceiling above Rp100 million require additional collateral that will be assessed according to the provisions and the bank's assessment results.

In addition to being based on the type of program, KUR interest rates also follow the customer's loan history, namely:

• KUR Super Micro: 3% effective per year.
• KUR Micro and KUR Small:
• 1st loan: 6% effective per year.
• 2nd loan: 7% effective per year.
• 3rd loan: 8% effective per year.
• 4th loan: 9% effective per year.

The KUR BRI program itself remains open throughout the fiscal year according to the quota set by the government. The disbursement process generally takes about 7–14 working days after the documents are declared complete and pass field verification.

Prospective debtors who still have online loans can still apply for KUR as long as the loan is classified as non-commercial consumer credit or paylater and has a smooth payment history. For businesses that have been operating for three months, the general requirement states that the business must have been active for at least six months. However, for KUR Super Micro, there is a relaxation provided that they participate in mentoring or business training.

Customers who have obtained KUR can also monitor their remaining installments through the official BRI digital banking service application or through ATM machines.

(kpl/mda)