UAE citizens and residents can now invest directly in Islamic Sukuki backed by a digital Treasury launched under the Ministry of Finance – starting from AED4,000 ($1,089).
The move marks the first time certain investors in the UAE can purchase Shareria – Treasury Sukuk in small denominations through participating banks.
This initiative aims to increase access to safe, low-cost investment options while promoting the culture of saving and financial inclusion across the country.
Abu Dhabi Islamic Bank (ADIB) is the first bank to offer Retail Sukuk through its Smart Sukuk platform, enabling investors to purchase Fractional Sukuk easily and securely online.
How to invest in UAE Retail Sukuk
Using the Adib Smart Sukuk platform, investors can start with a minimum investment of AED4,000 ($1,089), for positions of AED4,000, up to AED28,000 ($7,620) for multiple transactions.
Using Emirates ID or UAE PASS, investors can complete registration, fulfill KYC requirements, create a risk profile, and review Sukuk names digitally – all within minutes.
Younis Haji Al Khoori, undersecretary of the Ministry of Finance, said that the launch represents an important step in helping the economy and the continued saving of people.
He said: “This agreement with Abu Dhabi Islamic Bank marks the first step to implement a sales initiative, to commit to a service to promote the leadership’s vision of economic stability and encourage saving investments.
“Through this Agreement, we provide people with an accurate, Sharia-compliant investment experience
Jawaan Awaidah Al Khaili, chairman of Abu Dhabi Islamic Bank, said the platform bridges the gap between the institutional and retail markets.
“We are proud to be the first partner in this pioneering program, which increases investment opportunities for a wide range of investors.
“By bridging the gap between institutional and retail markets, we enable everyone to invest in high-quality, low-cost, government-backed capital.”
Why it is so important for UAE investors
The Retail Sukuk Initiative opens a new savings channel for UAE residents seeking sustainable, Shariah-compliant investments backed by the Federal Government.
All Sukuk issued by the service will be digitally indexed, except for those close to maturity, with adib providing access to primary allocation and secondary market settlement.
The bank will also conduct educational programs, publish FAQs, and conduct engineering awareness campaigns to ensure accessibility and transparency.
Creating Financial Writing
The Ministry has confirmed that the move will lead to the first phase of a wider framework involving more national banks in the coming months.
The Initiative is designed to increase financial literacy, encourage savings, and strengthen long-term sustainability.
Digital platforms will offer investors transparency – including profit distribution schedules, maturity dates, working capital, and early redemption options – which will be built with a clear regulatory framework and a special capital structure to build investor confidence.
