UAE Residents Can Access Five-Year Government-Backed Sukuk, With Profit Rate to Be Announced on September 22.
UAE nationals and residents can invest as little as Dh1,000 in a new five-year sovereign retail sukuk, following the Ministry of Finance’s announcement of the second issuance under its Sovereign Retail T-Sukuk Programme.
The Shariah-compliant investment product is fully supported by the UAE Government and aims to make government debt instruments more accessible to individual investors by offering a relatively low minimum investment requirement.
The Ministry of Finance said the profit rate for the latest five-year T-Sukuk issuance is scheduled to be announced on September 22.
Investors can subscribe to the T-Sukuk through Dubai Financial Market’s eIPO platform, iVestor app, DFM app, as well as the digital banking channels of participating financial institutions.
Following the completion of allocation and settlement, the sukuk will be listed on Nasdaq Dubai, allowing investors to trade the instrument on the secondary market.
Dh1,000 Minimum Broadens Investor Access
The second retail T-Sukuk issuance comes after the first offering earlier this year saw significant investor interest. Subscription orders reached Dh445 million, compared with an initial issuance target of Dh50 million.
The strong demand led the Ministry of Finance to double the size of the inaugural issuance to Dh100 million.
The new five-year offering maintains a minimum subscription of Dh1,000, making a government-backed investment instrument accessible to a wider range of individual investors. Such sovereign debt products have traditionally been more closely associated with larger institutional investments.
Mohamed bin Hadi Al Hussaini, Minister of State for Financial Affairs, said the Sovereign Retail T-Sukuk Programme is intended to broaden access to Shariah-compliant sovereign investments for both UAE nationals and residents, while providing instruments backed by the UAE Government.
Al Hussaini said the programme extends beyond offering a government-backed financial product, with a broader focus on encouraging long-term financial planning, saving and secure investment among individuals and families. He added that the initiative supports the objectives of the UAE’s Year of Family 2026 by promoting greater financial sustainability.
First Issuance Drew Strong Retail Demand
The first retail T-Sukuk offering attracted considerable interest from smaller investors, with around 76 per cent of subscriptions valued at Dh10,000 or less. UAE nationals represented 72 per cent of the investor base.
Women and investors below the age of 25 together accounted for 45 per cent of subscribers, highlighting participation from a diverse group of retail investors.
The inaugural T-Sukuk had a two-year maturity period and offered an annual profit rate of 4.30 per cent, with returns paid to investors every six months.
Following the completion of allocation and settlement, the first retail T-Sukuk was listed on Nasdaq Dubai and became available for secondary market trading on July 2, 2026.
Al Hussaini said the launch of the second issuance, featuring a five-year maturity and a low minimum investment requirement, reflects the Ministry of Finance’s efforts to promote financial innovation, deepen domestic capital markets and broaden participation in UAE dirham-denominated government debt instruments.
He added that the strong response to the inaugural offering demonstrated investor confidence in UAE sovereign instruments. The ministry plans to continue working with financial institutions, receiving banks and financial markets to provide investors with a smooth and transparent digital investment process.
According to Al Hussaini, the programme is also intended to improve accessibility and liquidity for investors while strengthening the UAE’s financial ecosystem and supporting the development of innovative and sustainable financing solutions.
Where Investors Can Subscribe
Emirates NBD has been appointed as the lead receiving bank for the second Sovereign Retail T-Sukuk issuance.
Other participating receiving banks include Emirates Islamic, Abu Dhabi Islamic Bank, Ajman Bank, Mashreq, Abu Dhabi Commercial Bank and First Abu Dhabi Bank.
Investors can submit their subscriptions through the digital platforms of participating banks, as well as through Dubai Financial Market’s eIPO platform, iVestor app and DFM app.
According to the Ministry of Finance, the programme aims to make UAE sovereign investment products accessible to a broader group of nationals and residents while encouraging a culture of long-term saving and investment.
