DPK BPJS Ketenagakerjaan

What DPK BPJS Ketenagakerjaan does

DPK BPJS Ketenagakerjaan (Dana Pensiun Karyawan BPJS Ketenagakerjaan) is a single-employer defined-benefit pension fund established in 1983 and headquartered in Jakarta Selatan, Indonesia. The fund operates a Program Pensiun Manfaat Pasti (Defined Benefit Pension Program) exclusively for employees of BPJS Ketenagakerjaan (Badan Penyelenggara Jaminan Sosial Ketenagakerjaan), Indonesia's national social security administrator for employment. As of December 2025, the fund serves 3,663 participants, comprising 1,557 active employees and 2,106 passive recipients (1,581 retirees, 499 widows/widowers, 26 children, 91 deferred). The fund is legally established under UU No.11 Tahun 1992 and UU No.4 Tahun 2023, received formal OJK approval under KEP-55/NB.1/2020, and operates under POJK regulatory supervision.

The fund's technology stack centers on the I-Kept participant portal (kepesertaan.dpkbpjamsostek.com) for self-service account management, a web-based Simulasi Pensiun calculator for retirement planning, an annual Data Ulang recertification system for pensioners, and downloadable PDF forms for pension transactions. All investments are managed in-house under strict OJK investment guidelines, with audited financial reports published annually for 2021-2025.

The revenue model is that of a non-profit pension fund rather than a commercial enterprise. Income derives from two primary streams: regular contributions (Penerimaan Iuran) of approximately Rp 47 billion annually from active participants and the employer, and investment returns (Hasil Usaha Bersih) of approximately Rp 150-157 billion annually on ~Rp 2.3 trillion in investable assets, yielding a 7.48% ROI in 2025. Outflows consist of pension benefit payments (Rp 158.4 billion in 2025, +10.82% YoY) and operating expenses (8.18% ratio). The fund reported a funding adequacy ratio of 94.25%, solvency ratio of 99.18%, and a funding deficit of Rp 148.2 billion against an actuarial present value of obligations of Rp 2.577 trillion. Distribution is exclusively direct: participants enroll via employer mandate, access services through the digital portal or Jakarta headquarters, and benefit payments are made to the captive participant base.

Name

DPK BPJS Ketenagakerjaan

Legal name

Dana Pensiun Karyawan BPJS Ketenagakerjaan

Website

https://dpkbpjamsostek.com

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

11–50 employees

Short description

DPK BPJS Ketenagakerjaan is a single-employer defined-benefit pension fund, established in 1983 and OJK-regulated, providing retirement, survivor, and disability pensions to the 3,663 current and former employees of BPJS Ketenagakerjaan in Indonesia, managing approximately Rp 2.4 trillion in pension assets.

Ownership category

akta.pro rank

Product category

Defined Benefit Pension Fund

NAICS

Pension Funds (525110)

SIC

Life Insurance (6311)

akta.pro primary industry

Corporate & Public Pension Funds (DB/DC Sponsors) (FSAAAGAA)

akta.pro secondary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

Keywords

• Defined benefit pension
• Pension fund management
• Retirement benefits
• Employee pension plan
• Social security pension

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Infrastructure, Others

Revenue model

1. Pension Contributions (Iuran): Regular contributions collected from active participants (employees) and their employers (BPJS Ketenagakerjaan). Contributions are managed and invested to fund future pension benefit obligations. Contribution income is approximately Rp 47–49 billion per year.
2. Investment Returns: The fund generates returns through managed investment of pension assets. Investment income (Hasil Usaha Bersih) was approximately Rp 150–157 billion annually, with a Return on Investment (ROI) of approximately 7.0–7.5%. The fund's total investable assets stand at approximately Rp 2.3 trillion.
3. Lump-Sum Contribution Refunds (Pengembalian Iuran Pensiun): Participants who leave employment before vesting may receive refund of their accumulated contributions, as governed by PERDIR 29/12/2019. This represents both a benefit payment and a processing stream.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

DPK BPJS Ketenagakerjaan is a single-employer defined-benefit pension fund that administers the Program Pensiun Manfaat Pasti for active employees, retirees, and survivor beneficiaries of BPJS Ketenagakerjaan. The fund collects regular pension contributions from active employees and the employer, invests the assets under OJK supervision, and pays out guaranteed monthly pensions, survivor pensions (75% of participant pension), disability pensions, deferred pensions, and lump-sum refunds for non-vested participants, supported by the I-Kept participant portal and pension simulation tools.

Product overview

DPK BPJS Ketenagakerjaan operates a single core defined benefit pension program (Program Pensiun Manfaat Pasti) supported by participant self-service digital tools. The product ecosystem consists of the I-Kept online participant portal for account access and registration, the Simulasi Pensiun calculator for retirement projections, the Data Ulang verification service for annual pensioner data updates, downloadable formulir (forms) for various pension transactions, a Whistleblowing System for compliance reporting, and a FAQ self-service information section. The company also publishes annual bulletins as informational publications. All services are delivered under the Program Pensiun Manfaat Pasti framework regulated by OJK.

Differentiator

Problem solved

Functional benefit

Products and services

• Program Pensiun Manfaat Pasti (Defined Benefit Pension Program) The core defined-benefit pension program providing guaranteed monthly retirement income to employees of BPJS Ketenagakerjaan based on salary and years of service, with regulated contribution rates under PERDIR/29/12/2019 and oversight by OJK.
• Survivor Pension Benefits (Manfaat Pensiun Janda/Duda/Anak) Survivor pension paying 75% of the deceased participant's pension to widows, widowers, and dependent children of deceased participants or retirees.
• Disability Pension (Pensiun Cacat) Pension benefit paid to participants who become work-incapacitated before normal retirement age, supported by downloadable forms for application.
• Lump-Sum Contribution Refund (Pengembalian Iuran Pensiun)

Quantifiable outcome

• 94.25% funding adequacy ratio (December 2025)
• +4 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Otoritas Jasa Keuangan (OJK)coreOthers · 28 May 2020The Financial Services Authority (OJK) is the regulatory body that supervises and approves DPK BPJS Ketenagakerjaan's operations. The fund received formal establishment approval (Pengesahan) from OJK under Number KEP-55/NB.1/2020 on May 28, 2020. All pension fund operations are governed by OJK regulations including POJK 27/2023, POJK 34/2024, and POJK 35/2024.
• BPJS KetenagakerjaancoreStrategic or Co-development Partner · 3 December 1983BPJS Ketenagakerjaan (Social Security Administrator for Employment) is the founding organization and sole employer of DPK BPJS Ketenagakerjaan. Originally established as Yayasan Dana Pensiun Pegawai Perum Astek in 1983, the pension fund was later restructured under UU No.11 Tahun 1992 and received formal legal establishment approval from OJK (KEP-55/NB.1/2020) as Dana Pensiun Karyawan BPJS Ketenagakerjaan. All active employees of BPJS Ketenagakerjaan are automatically enrolled in the plan.
• PT. Nayaka Era HusadaminorOthersAn affiliated subsidiary of BPJS Ketenagakerjaan. Listed as a related entity on the DPK BPJS Ketenagakerjaan website under 'Link Terkait' (Related Links). Nature of relationship is corporate affiliation rather than a formal business partnership.
• PT. Samudranayaka UnggulminorOthersAn affiliated subsidiary of BPJS Ketenagakerjaan. Listed as a related entity on the DPK BPJS Ketenagakerjaan website under 'Link Terkait' (Related Links). Nature of relationship is corporate affiliation rather than a formal business partnership.

Scale indicators13 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Dana Pensiun Pertamina: Pension fund for Pertamina (state oil and gas company) employees. Operates a defined benefit pension scheme with similar regulatory oversight, single-employer structure, and survivor/disability benefits.
• Dana Pensiun PLN: Pension fund for employees of PLN, the Indonesian state electricity utility. A single-employer DB pension fund serving a large state-owned enterprise workforce under identical OJK supervision.
• Dana Pensiun Bank Indonesia: Pension fund for Bank Indonesia employees. Comparable single-employer DB pension fund within Indonesia's financial regulatory ecosystem, governed by OJK and offering defined retirement benefits.
• Dana Pensiun Telkom: Employer-sponsored defined benefit pension fund for Telkom Indonesia employees. Operates under the same OJK regulatory framework as DPK BPJS Ketenagakerjaan, with a comparable single-sponsor DB structure and similar participant services.

Others

• BPJS Ketenagakerjaan: Founding employer and sole contributor to DPK BPJS Ketenagakerjaan, and Indonesia's national social security administrator for employment. Parent/sponsor relationship rather than direct peer, but its operational scale directly drives DPK's participant base and contribution inflows.

Broad incumbents

• Asabri: State-owned pension and insurance fund for Indonesian military and police personnel. Operates a defined benefit pension scheme under OJK supervision, comparable in regulatory framework though different in participant base.
• Taspen: State-owned pension fund serving Indonesian civil servants (PNS). A larger, multi-employer government pension vehicle that shares the same defined benefit structure and OJK regulatory regime as DPK BPJS Ketenagakerjaan.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/dpk-bpjs-ketenagakerjaan

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about DPK BPJS Ketenagakerjaan