The UAE Ministry of Finance has introduced the country’s first Sovereign Retail T-Sukuk Programme, opening government-backed Shariah-compliant investment to individuals and families for the first time through an IPO-style subscription model.
The programme allows UAE residents to subscribe to government sukuk with a minimum investment of AED 1,000, offering potential risk-free returns within a regulated and transparent framework. Following listing on Nasdaq Dubai, the sukuk will also be available for secondary trading, giving investors added liquidity and flexibility.
Mohamed bin Hadi Al Hussaini, Minister of State for Financial Affairs, described the initiative as a strategic step toward expanding community participation in government instruments and building a more inclusive financial ecosystem. He said the programme reflects the Ministry’s commitment to fostering a culture of long-term saving and financial planning among individuals across the UAE.
The initiative is aligned with the UAE’s Year of Family 2026 and broader national goals around financial literacy and economic participation. It positions the government as a direct investment partner for everyday residents, not just institutional players.
Emirates NBD Bank has been appointed Lead Receiving Bank, with Emirates Islamic Bank, Abu Dhabi Islamic Bank, Ajman Bank and Mashreq Bank serving as receiving banks. Subscriptions will be accessible through partner digital platforms and dedicated channels. Nasdaq Dubai will act as the central securities depository and settlement platform.
The Dubai Financial Market is also among the key partners supporting the programme’s infrastructure. Full details of the first issuance, including the profit rate, tenor and subscription period, are expected to be announced within the coming week.
News Source: Emirates News Agency
