UAE Launches First Retail T-Sukuk: Invest from AED 1,000 with 4.30% Annual Profit

Government-backed investment UAE option opens for residents seeking Shariah-compliant returns

The UAE has launched its first-ever Sovereign Retail T-Sukuk. This gives residents and citizens a new way to access a government backed investment UAE product with a minimum investment of just AED 1,000.

From June 24 to June 30, people can invest in this new UAE government-backed Sukuk. If they invest, they can earn a 4.30% profit every year, with the profit paid to them twice a year (every six months).

The investment lasts for 2 years and follows Islamic (Shariah) rules, making it a suitable choice for people looking for a safe and steady way to grow their money.

The initiative has been introduced by the UAE Ministry of Finance in partnership with the Central Bank of the UAE. The goal is to expand access to Islamic investment plans and encourage more retail participation in the country's capital markets.

Why is This Sukuk in the UAE Important?

Until now, many government investment products were mainly accessible to institutions or high-net-worth investors. But with the new Retail T-Sukuk, everyday investors can start with AED 1,000 and invest directly in a sovereign instrument backed by the UAE government.

For many residents, this creates an accessible entry point into UAE investment plans that combine capital preservation, regular income, and Shariah compliance.

Quick Facts About UAE’s Retail T-Sukuk

What Exactly is a Sukuk?

Think of a Sukuk like planting a small seed in a safe garden.

You put your money into a government-backed investment. Over time, that money can grow and give you profits. Unlike regular bonds that pay interest, Sukuk follows Islamic rules and shares profits instead.

Simply put, a Sukuk investment lets you grow your money in a Shariah-compliant way while supporting government projects and investments.

Who Can Invest?

The Retail T-Sukuk is available to:

• UAE residents
• UAE nationals
• Individuals with a valid Emirates ID
• Investors holding a National Investor Number (NIN)

Professional and institutional investors are not the target audience for this retail offering.

How to Subscribe to Sukuk Investment?

You can apply through:

• DFM Subscription Platform
• DFM App
• iVestor App
• Emirates NBD
• Abu Dhabi Islamic Bank
• Emirates Islamic Bank
• Ajman Bank
• Mashreq Bank

The entire process is digital, which makes it easier for residents to participate without paperwork or branch visits.

How Does It Compare with Other UAE Investment Plans?

Why are Investors Paying Attention?

Financial experts believe the launch could encourage more residents to explore UAE government bonds and sovereign investment products.

Key advantages include:

• Government-backed security
• Low entry requirement
• Regular profit payments
• Fully Shariah-compliant structure
• Easy digital subscription process
• Opportunity to diversify investment portfolios

Enter the New Era of Shariah-Compliant Investing

The launch of the Sovereign Retail T-Sukuk marks a significant step in expanding access to Shariah compliant investment opportunities in the UAE.

For investors looking for stable returns without taking excessive market risk, the new programme offers a simple way to participate in a government-backed investment while supporting long-term financial planning.

With subscriptions starting from just AED 1,000, the Retail T-Sukuk is expected to make sukuk investment more accessible than ever before.

Invest AED 2K/Month, Get AED 1 Million returns*

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