UAE launches Retail Sukuk for citizens and residents to invest in Sharia-compliant bonds
The UAE Ministry of Finance (MOF) has launched the “Retail Sukuk” program, which allows citizens and residents to invest directly on a digital digital platform operated by participating banks.
The move marks a major milestone in financial inclusion, making Islamic investment products available to individual investors for the first time.
Minimum investment starts from AED 4,000 ($1,089).
UAE Retail Sukuk
Aligned with the UAE Loburhip’s vision to explore communities, the program also supports the “community year”, which promotes unity, good health and social participation in building a sustainable future.
Sheikh Maktoum Bin Mohammed Bin Rashid Al Mashid Al Maktoum, said the first Deputy Ruler of Dubai, said the Minister of Finance, said: “The minister of finance, we are increasing participation in the financial journey through financial policies that drive financial policies that move forward well in finance.
“Introduced within the framework of the ‘Year of the Community’, this initiative opens up new capabilities for citizens and residents to contribute to shaping the future through secure paper, government-backed investment instruments.
“Through this initiative, the Ministry of Finance wants to transform investing in government bonds into an accessible experience, with accessible information, allowing all parts of the Society to access high-quality financial instruments that were previously limited to investors.
“This represents a step towards improving financial inclusion and promoting long-term savings culture, ensuring the sustainability of the UAE’s financial resources and supporting development goals in various sectors.”
Government Investment
Mohamed Bin Has Hussani, Minister of State for Financial Affairs, said: “The ‘Sture Retail Sukuk’ is a step forward in the growth of government investment instruments, improving direct participation in economic growth.
“This initiative sees the Ministry of Finance to create a new financial environment that offers safe, stable investment solutions that benefit the entire community.
“The initiative aligns with the goals of the community year by ‘encouraging responsible saving habits and increasing financial awareness at all community events.’
“It shows the spirit of cooperation between the public and private sectors in increasing the rates of economic participation and effective work, which contributes to building a balanced and sustainable economy that serves balanced aspirations.”
Individual Sukuk
The Retail Sukuk program aims to raise awareness of T-Sukuk investment opportunities and expand the participation of post-Islamic financial instruments.
Previously only available to institutional investors, T-Sukuk is now open to certain UAE investors.
The Sukuk will be denominated in UAE Dirhams and linked to existing Government-backed T-Sukuk used in the market, giving retail investors access to the same high-quality assets, sovereign
Participating banks will provide registration for investors, and the Ministry of Finance will announce the first institution on November 3, 2025.
Department of Finance
The Ministry of Finance said the issuance would follow the highest standards of transparency and quality.
The move supports the UAE’s strategy to promote long-term savings, strengthen financial literacy, and expand the Islamic Ecosystem.
By introducing a secure, government-backed savings instrument, Retail Sukuk offers a new avenue for Portfolio Diversification and sustainable wealth creation among individuals.
