For the first time, UAE residents and citizens will be able to invest directly from Dh1,000 in government-backed Islamic treasury sukuk, opening up a market previously largely reserved 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 savings, broaden financial inclusion and provide 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 program will allow ordinary investors to participate in sovereign-backed financial instruments through a simplified membership process offered by participating UAE banks.
What is UAE Retail T-Sukuk?
Treasury Sukuk, or T-Sukuk, is a Shariah-compliant government investment instrument that functions similar 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 program changes this by allowing individuals to invest directly in UAE government-backed Sukuk in smaller denominations.Mohammed bin Hadi Al Husseini, 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 broader participation in the economy.The program also aims to deepen local capital markets and strengthen the UAE’s position as a leading center for Islamic finance.
How to apply for UAE Retail T-Sukuk
The Finance Ministry has confirmed that investors will be able to subscribe through participating banks using digital platforms and dedicated subscription channels. The process is expected to be similar to the IPO-style subscription structure commonly used in the UAE financial markets.Participating banks announced so far include:
Emirates NBD (Lead Recipient 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 issue officially opens for subscription.The ministry said additional details including subscription dates, benefit rates, duration and allotment timelines will be announced shortly.The minimum investment has been set at just Dh1,000, reducing the barrier for residents and citizens who want 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 programs that required larger investment amounts, making the latest launch more accessible to first-time investors and small savers.
Can investors resell their T-Sukuk?
Yes. One of the key benefits of the program 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 stake in the secondary market instead of waiting until maturity. Nasdaq Dubai will also act as the central securities depository and settlement platform for the programme.This facility provides investors with greater flexibility and liquidity while maintaining access to government-backed investment products.
Why does it matter?
This launch represents a significant change in the UAE investment landscape.By opening up sovereign sukuk to individual investors, the government is providing residents and citizens with access to investment opportunities that were previously primarily available to large institutions. Officials believe the program will encourage a strong culture of savings, improve financial literacy and expand participation in local capital markets.For investors, the appeal lies in three key factors: government support, Shariah compliance and low minimum investment thresholds. With membership starting at Dh1,000, the program is expected to attract both experienced investors and newcomers looking for a more secure long-term investment option.