ADCB vs ADIB Investment Plans UAE 2025: Returns, SIPs, Sukuk & Comparison

Quick Overview: ADCB vs ADIB for Investments in UAE

Aspect	ADCB Investment Plans	ADIB Investment Plans
Core Investment Approach	Conventional + Islamic	Fully Sharia-compliant
Ideal For	Investors seeking diversified global exposure	Investors preferring Islamic finance
Investment Style	Managed funds, ETFs, SIPs, structured products	Mutual funds, sukuk, wakala, structured notes
Digital Access	Strong digital + RM support	Strong digital + RM support
Risk Profiling	Yes	Yes (Sharia-based)
Suitable For	Salaried individuals, HNIs, long-term investors	Individuals, businesses, faith-based investors

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Here’s a detailed overview to help you compare ADCB and ADIB savings plans —

ADCB Investment Plans – Detailed Overview

Abu Dhabi Commercial Bank is known for its data-driven investment strategy and access to local, regional, and global markets. ADCB investment plans are designed for investors who want flexibility, portfolio customisation, and multiple asset classes under one roof.

Types of ADCB Investment Plans

1. ADCB Managed Funds

These funds are managed by ADCB Asset Management Limited and structured as Luxembourg SICAV funds. The focus is on long-term growth using active fund management. These funds suit investors looking for higher growth potential, especially in equity-oriented portfolios.

2. ADCB Select Platform

ADCB Select is a curated investment platform offering access to ETFs and mutual funds. It’s designed for investors across income levels and is actively reviewed by ADCB’s asset management team.

Best for: Investors who want guided fund selection without managing individual securities themselves.

3. Trading Securities & Fixed Income

Through its trading desk, ADCB connects investors to OTC fixed-income instruments, bonds, and other securities. There’s no proprietary bias, meaning investors get market-driven access rather than bank-pushed products.

Best for: Experienced investors and HNIs seeking customised fixed-income exposure.

4. Third-Party Mutual Funds

ADCB offers access to a wide list of international third-party funds covering global equities, emerging markets, commodities, real estate, balanced and low-volatility funds. This makes ADCB a strong option for globally diversified portfolios.

5. ADCB Systematic Investment Plan (SIP)

ADCB SIP enables investors to invest fixed amounts at regular intervals, helping average market volatility over time. You can enjoy benefits like disciplined investing, lower market timing risk, and easy onboarding via SMS or digital banking. It's suitable for salaried individuals.

6. ADCB Structured Products

Structured products at ADCB are designed based on income levels and risk preferences, often offering capital protection features with market-linked returns.

Important: Returns vary by structure and market conditions.

ADIB Investment Plans – Detailed Overview

Abu Dhabi Islamic Bank operates strictly under Sharia principles, making it one of the strongest choices for Islamic investment planning in the UAE. ADIB investment plans are built around ethical investing, transparency, and asset-backed structures.

Types of ADIB Investment Plans

1. Sharia-Compliant Mutual Funds

ADIB offers a wide range of Islamic mutual funds covering Sukuk funds, regional and global equity funds, and active and passive strategies.

2. Khuttati – My Plan

It’s a customised Sharia-compliant investment plan designed around your risk appetite, income level, and long-term goals. This plan is ideal for investors seeking structured, goal-based Islamic investing.

3. ADIB Sukuk Investments & Smart Sukuk Platform

ADIB is a regional leader in Sukuk investment, offering fractional Sukuk investments, UAE Treasury Sukuk (T-Sukuk), and Global Sukuk funds with quarterly distributions. Its entry starts from USD 1,000.

Best for: Investors seeking predictable income with lower volatility.

4. ADIB Structured Products & Structured Notes

ADIB structured products are tailor-made Sharia-compliant solutions based on themes such as commodities (oil, gold), Shariah-compliant equities. And capital-protected strategies. These products are suitable for experienced investors comfortable with lock-in periods.

5. Business Investment Options (ADIB)

ADIB also offers Islamic investment solutions for businesses, like short-term investment accounts, Wakala deposits, time deposits, and alternative investments. These are structured to generate returns while remaining Sharia-compliant.

ADIB Islamic Investment Plans vs ADCB Investment Solution

Below are the key factors highlighting the core difference between ADIB Islamic investment plans vs ADCB investment solutions —

Investment Philosophy & Structure

Aspect	ADCB Investment Plans	ADIB Investment Plans
Core Model	Conventional + Islamic	100% Sharia-compliant
Investment Basis	Equity, bonds, ETFs, structured products	Sukuk, equity, wakala, mudarabah
Profit Guarantee	Market-linked (no guarantee)	No guarantee (Sharia principle)
Risk Style	Moderate to high (based on fund)	Low to moderate (asset-backed focus)
Ideal Investor	Growth-oriented	Ethical, income-focused

Key difference: ADCB allows higher equity exposure, while ADIB prioritises asset-backed, Sharia-approved instruments, especially Sukuk.

ADIB vs ADCB Returns Comparison UAE

ADCB Managed Funds

ADCB funds are managed via ADCB Asset Management (Luxembourg SICAV) and focus on long-term growth.

Fund Name	Category	Management Fee
ADCB MSCI UAE Index R	UAE Equity	1.00%
ADCB Arabian Index R	MENA Equity	1.00%
ADCB Al Nokhitha AED	UAE Equity	1.85%
ADCB Islamic GCC Equity R	Islamic Equity	1.50%
Al Hilal GCC Equity Fund	GCC Islamic Equity	2.00%
Al Hilal Global Sukuk Fund	Sukuk	0.85%

What this tells investors: ADCB equity-heavy funds have delivered strong upside, especially in the UAE and MENA markets, but with higher volatility risk.

ADIB Sharia-Compliant Mutual Funds

ADIB offers Islamic mutual funds only, diversified across Sukuk and equities.

Aspect	ADIB Mutual Funds
Subscription Fee	Up to 3% of investment
VAT	5%
Minimum Investment	Fund-specific (KFS-based)
Asset Classes	Sukuk, equity, mixed
Risk Profile	Low to moderate
Return Style	Stable, income-oriented

Important: ADIB focuses more on capital preservation and steady income, not aggressive equity growth.

SIP & Regular Investing: ADCB vs ADIB Investment UAE

Feature	ADCB SIP	ADIB SIP-style Options
Monthly Investment	Fixed amount	Flexible instalments
Market Timing Benefit	Yes	Limited
Product Type	Mutual funds	Khuttati – My Plan
Entry Barrier	Low	Moderate
Best For	Salaried investors	Faith-based planners

ADCB SIP is better for investors who want a rupee-cost averaging style discipline in volatile markets.

Sukuk & Fixed Income Comparison

Aspect	ADCB	ADIB
Sukuk Focus	Limited	Core expertise
Entry Minimum	Fund-based	From USD 1,000
Platform	Through funds	Smart Sukuk Platform
Income Style	Fund NAV-based	Quarterly distributions
Custody Fee	Fund-based	0.30% monthly (face value)

ADIB clearly leads in Sukuk investing, both for accessibility and product depth.

Structured Products & Capital Protection

Feature	ADCB Structured Products	ADIB Structured Notes
Structure	Market-linked	Wakala-based
Capital Protection	Conditional	Conditional
Minimum Investment	Product-specific	USD 30,000
Agency Fee	Included	Up to 2% + VAT
Early Redemption	Product-specific	After 3-month lock-in

ADCB products suit growth strategies. ADIB products suit conservative, Sharia-compliant planning.

Business Investment Options

Category	ADCB	ADIB
Business Savings	Yes	Yes
Time Deposits	Yes	Yes (Islamic)
Wakala / Mudarabah	Limited	Core offering
Minimum Balance	Varies	AED 10,000
Profit Distribution	Market-based	Daily accrual, monthly credit

ADIB is stronger for Islamic business investment accounts.

Fees, Charges & Transparency

Cost Type	ADCB	ADIB
Management Fees	0.85% – 2.00%	Fund-specific
Subscription Fees	Fund-based	Up to 3%
VAT	Applicable	5%
Custody Charges	Included	Explicit (Sukuk)
Transparency	High	Very high

ADIB clearly discloses every fee upfront, aligning with Sharia governance.

Advisory & Support

Feature	ADCB	ADIB
Relationship Managers	CISI-certified	Certified Islamic advisors
Market Reports	Monthly & quarterly	Regular outlooks
Sample Portfolios	Limited	4 model portfolios
Digital Access	App + web	App + web + WhatsApp

Which Bank is Best: ADIB or ADCB for Investment?

There is no one-size-fits-all answer. ADCB vs ADIB investment UAE depends on how you want your money to grow, how much risk you are comfortable with, and whether Sharia compliance is a priority.

Choose ADCB if your priority is growth and diversification

ADCB is better suited for investors who are comfortable with market-linked returns and want exposure beyond the UAE.

Choose ADIB if stability and Sharia compliance matter most

ADIB is ideal for investors who prefer ethical, asset-backed investing with controlled risk.

Quick Decision

This is just for reference. You can make the decision based on your goals —

Your Priority	Better Choice
Higher growth potential	ADCB
Sharia-compliant investing	ADIB
SIP & equity exposure	ADCB
Stable income & Sukuk	ADIB
Long-term wealth creation	ADCB
Ethical & low-volatility investing	ADIB

Final Verdict: ADCB vs ADIB Investment UAE

When comparing ADCB investment plans vs ADIB investment plans, the decision comes down to investment philosophy, not just returns. ADCB focuses on diversification and growth, while ADIB focuses on ethical, Sharia-compliant wealth building. The right choice depends on your goals, risk tolerance, faith preference, and investment horizon.

Before investing, always —

Review fund performance and risk profile
Understand fees and lock-in periods
Align investments with your financial goals
Seek professional advice if needed

Where Policybazaar.ae Fits In?

While you’re still evaluating ADCB vs ADIB investment UAE, you can also compare several different investment options, structures, and providers in one place on Policybazaar.ae, making it easier to shortlist plans aligned with your goals before proceeding.

Click here to Start Your Investment Plan!

Disclaimer: This article is for informational purposes only and should not be considered financial, investment, or legal advice.

FAQs for ADCB vs ADIB Investment UAE

The best bank depends on your goals. ADCB is better for growth and global exposure, while ADIB is ideal for Sharia-compliant and income-focused investing.

ADCB offers both conventional and Islamic investments with higher equity exposure. ADIB offers only Sharia-compliant, asset-backed investment solutions.

ADCB equity funds may offer higher returns during strong markets, while ADIB focuses on stable, lower-volatility returns through Sukuk and Islamic funds.

Yes. ADCB offers SIPs for regular investing. ADIB provides flexible installment plans through Khuttati – My Plan.

Yes. All ADIB investment plans follow strict Sharia principles and are overseen by Sharia boards.

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