BPJS Ketenagakerjaan Expands JHT Withdrawal Options

Enhanced Digital Services Through JMO Application

BPJS Ketenagakerjaan has significantly enhanced its digital services by increasing the maximum JHT withdrawal limit to Rp 15 million through the Jamsostek Mobile (JMO) application, up from the previous Rp 10 million limit. This change, effective since May 2025, demonstrates the organization's commitment to providing more flexible financial options for participants while maintaining robust digital infrastructure.

Eligibility and Withdrawal Options

To be eligible for the JHT withdrawal, participants must have minimum 10 years of continuous membership in the JHT program. The new guidelines allow two types of partial withdrawals:

1. 10% withdrawal for general purposes: Participants can withdraw up to 10% of their JHT savings for various needs while preparing for retirement.
2. 30% withdrawal for housing purposes: Participants can withdraw up to 30% of their JHT savings specifically for housing-related expenses, including down payments or loan installments.

Documentation Requirements

The withdrawal process through JMO requires specific documentation based on the purpose of withdrawal:

• For general 10% withdrawal: KTP, BPJS membership card, and NPWP (if balance exceeds Rp 50 million)
• For 30% housing withdrawal: Additional documents including property purchase agreement (PPJB or AJB) for cash purchases or loan documents for credit purchases

Digital Process and Implementation

The withdrawal process through JMO involves a 10-step digital verification and confirmation process, ensuring secure and transparent transactions. This digital-first approach aligns with BPJS Ketenagakerjaan's strategy to modernize its services and provide convenient access to benefits for participants.