PT PMA Capital Requirements: What You Need to Invest 2026
The IDR 10 billion (~$625,000 USD) minimum investment for PT PMA is one of the most misunderstood requirements. Let's break down what it actually means.
The Two Key Numbers
| Requirement | Amount | What It Means |
|---|---|---|
| Total Investment | IDR 10 billion min | Total planned investment over company life |
| Paid-up Capital | IDR 10 billion min | Cash deposited in company bank account |
As of current regulations, both the total investment plan AND the paid-up capital must be at least IDR 10 billion. This changed from previous rules where paid-up capital could be lower.
What Counts as Investment?
Your IDR 10 billion investment plan can include:
What Counts Toward Investment
Categories that count toward your IDR 10B
| Feature | Share Capital Cash deposited | Equipment & Assets Physical assets | Working Capital Operating funds | Shareholder Loans Loans from owners | Land & Buildings If company-owned |
|---|---|---|---|---|---|
| Type | Cash | Assets | Cash | Debt | Assets |
| Counts? | Yes - Primary | Yes | Yes | Yes | Yes |
| Documentation | Bank deposit confirmation | Import documents, purchase receipts | Financial projections | Loan agreements | Purchase agreements, valuations |
Investment Calculator
Investment Structure Planner
Plan how to reach IDR 10B investment
Default Inputs
- Cash to Deposit (Share Capital)
- 10,000,000,000 IDR
- Equipment & Machinery
- 0 IDR
- Working Capital (Year 1)
- 0 IDR
- Property/Land
- 0 IDR
Estimated Result
Estimated total
Requirements met!
Rp 10.000.000.000
Common Questions About Capital
Q: Do I need IDR 10B in my bank account on day 1? A: Yes, paid-up capital of IDR 10B must be deposited to open the company bank account and complete registration.
Q: Can I use it after depositing? A: Yes, once deposited as share capital, you use these funds for business operations.
Q: What if I can't meet IDR 10B? A: Options include:
- Joint venture with local partner
- Different business structure (representative office, etc.)
- Wait until you have sufficient capital
Q: Is there any way around the minimum? A: No legitimate way. Regulations are clear on IDR 10B minimum for PT PMA.
Structuring Your Investment
Investment Planning Checklist
Steps to structure your PT PMA investment
planning
documentation
practical
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