UAE launches first retail T-Sukuk investment programme — individuals — Dh1,000 minimum

UAE citizens and residents will soon be able to invest in the country's first Sovereign Retail T-Sukuk programme, a government-backed Shariah-compliant investment product designed for individuals. The Ministry of Finance announced the launch of the programme on June 17, allowing individuals to subscribe to UAE Dirham-denominated T-Sukuk with a minimum investment of Dh1,000.

Investors will be able to subscribe through participating banks' digital platforms and dedicated subscription channels. The programme is being launched in collaboration with Emirates NBD (Lead Receiving Bank), Emirates Islamic Bank, Abu Dhabi Islamic Bank, Ajman Bank, and Mashreq Bank.

Full details of the first issuance, including the profit rate, tenor and subscription period, will be announced within the coming week. Once the Sukuk are issued, they are expected to be listed on Nasdaq Dubai, allowing investors to trade them in the secondary market after completion of the offering and allocation process.

The Sovereign Retail T-Sukuk Programme allows individuals to invest in government-issued Sukuk — Islamic financial instruments that provide returns based on Shariah-compliant structures. The investment is backed by the UAE Government and designed to provide individuals with access to a regulated government investment product.