For the first time, UAE residents and citizens will be able to invest directly in government-backed Islamic Treasury Sukuk with as little as Dh1,000, opening a market that was previously reserved largely for institutional investors.The UAE Ministry of Finance has launched the country’s first Sovereign Retail T-Sukuk programme, a new Shariah-compliant investment product designed to encourage saving, broaden financial inclusion and give individuals access to government investment opportunities. The initiative was developed in collaboration with the Central Bank of the UAE and marks a major expansion of the country’s retail investment landscape.Officials say the programme will allow ordinary investors to participate in sovereign-backed financial instruments through a simple subscription process offered by participating UAE banks.
What is the UAE’s retail T-Sukuk?
A Treasury Sukuk, or T-Sukuk, is a Shariah-compliant government investment instrument that functions similarly to a government bond but is structured according to Islamic finance principles.Until now, these government-issued Sukuk were largely accessible only to institutional investors. The new retail programme changes that by allowing individuals to invest directly in UAE government-backed Sukuk in small denominations.Mohamed bin Hadi Al Hussaini, UAE Minister of State for Financial Affairs, said the initiative reflects the government’s commitment to developing innovative financial products that support long-term savings, financial planning and wider participation in the economy.The programme is also intended to deepen local capital markets and strengthen the UAE’s position as a leading hub for Islamic finance.
How to apply for UAE retail T-Sukuk
The Ministry of Finance has confirmed that investors will be able to subscribe through participating banks using digital platforms and dedicated subscription channels. The process is expected to resemble an IPO-style subscription framework commonly used in UAE financial markets.The participating banks announced so far include:
Emirates NBD (Lead Receiving Bank)Emirates Islamic Bank Abu Dhabi Islamic Bank (ADIB)- Ajman Bank
- Mashreq Bank
Investors will be able to apply through these institutions once the first issuance officially opens for subscriptions.The Ministry has said additional details, including subscription dates, profit rates, tenor and allocation timelines, will be announced shortly.The minimum investment has been set at just Dh1,000, significantly lowering the barrier for residents and citizens who want exposure to government-backed investments. Officials say the move is designed to help individuals and families build long-term savings and diversify their portfolios through a regulated financial instrument.The initiative follows earlier retail Sukuk programmes that required larger investment amounts, making the latest launch more accessible to first-time investors and smaller savers.
Can investors re-sell their T-Sukuk?
Yes. One of the key benefits of the programme is that the Sukuk are expected to be listed on Nasdaq Dubai after issuance.Once listed, investors will be able to buy and sell their holdings in the secondary market rather than waiting until maturity. Nasdaq Dubai will also act as the central securities depository and settlement platform for the programme.This feature gives investors greater flexibility and liquidity while maintaining access to a government-backed investment product.
Why this matters
The launch represents a significant shift in the UAE investment landscape.By opening sovereign Sukuk to individual investors, the government is giving residents and citizens access to investment opportunities that were previously available mainly to large institutions. Officials believe the programme will encourage a stronger culture of saving, improve financial literacy and expand participation in local capital markets.For investors, the appeal lies in three key factors: government backing, Shariah compliance and a low minimum investment threshold. With subscriptions starting at Dh1,000, the programme is expected to attract both experienced investors and newcomers looking for a more secure long-term investment option.
