The UAE Ministry of Finance (MoF) has launched the “Retail Sukuk” initiative, permitting residents and residents to take a position immediately in Shariah-compliant, government-backed Treasury Sukuk (T-Sukuk) via fractionalised digital platforms operated by collaborating banks.
The initiative marks a significant milestone in monetary inclusion, making sovereign Islamic funding merchandise accessible to particular person buyers for the primary time.
The minimal funding begins from AED 4,000 ($1,089).
UAE Retail Sukuk
Aligned with the UAE management’s imaginative and prescient to empower communities, the programme additionally helps the “Yr of Group”, which promotes solidarity, wellbeing and energetic social participation in constructing a sustainable future.
Sheikh Maktoum bin Mohammed bin Rashid Al Maktoum, First Deputy Ruler of Dubai, Deputy Prime Minister, and Minister of Finance, mentioned: “The ‘Retail Sukuk’ initiative displays the UAE’s imaginative and prescient and its management’s directives to empower the neighborhood and improve participation within the nationwide improvement journey via monetary insurance policies that prioritise human wellbeing.
“Launched throughout the framework of the ‘Yr of Group’, the initiative opens new horizons for residents and residents to contribute to shaping the long run via safe, government-backed funding devices.
“Via this initiative, the Ministry of Finance seeks to remodel funding in authorities bonds into an accessible, complete digital expertise, enabling all segments of society to entry high-quality monetary devices that had been beforehand restricted to institutional buyers.
“This represents a strategic step in direction of advancing monetary inclusion and selling a tradition of long-term financial savings, guaranteeing the sustainability of the UAE’s monetary assets and supporting improvement objectives throughout numerous sectors.”
Authorities investments
Mohamed bin Hadi Al Hussaini, Minister of State for Monetary Affairs, mentioned: “The ‘Retail Sukuk’ initiative represents a qualitative leap within the improvement of presidency funding devices, enhancing particular person participation in financial development and offering a direct avenue to contribute to the nationwide improvement journey.
“This initiative realises the Ministry of Finance’s imaginative and prescient of constructing an progressive monetary setting that gives safe, sustainable funding options that profit your entire neighborhood.
“The initiative aligns with the targets of the ‘Yr of Group’ by selling accountable saving habits and growing monetary consciousness throughout all segments of society.
“It additionally displays the spirit of partnership between the private and non-private sectors in fostering the values of giving and energetic financial participation, contributing to constructing a balanced, sustainable financial system that serves future aspirations.”
T-Sukuk for people
The Retail Sukuk programme goals to boost consciousness of T-Sukuk funding alternatives and broaden participation in sovereign-backed Islamic monetary devices.
Beforehand out there solely to institutional buyers, T-Sukuk are actually open to particular person buyers throughout the UAE.
The Sukuk might be denominated in UAE Dirhams and linked to current government-backed T-Sukuk already traded out there, giving retail buyers entry to the identical high-quality, sovereign belongings historically reserved for bigger buyers.
Taking part banks will provide subscriptions to buyers, and the Ministry of Finance will announce the primary establishment on November 3, 2025.
Ministry of Finance
The Ministry of Finance mentioned the rollout will comply with the best requirements of transparency and high quality.
The transfer helps the UAE’s technique to encourage long-term financial savings, strengthen monetary literacy, and broaden the Islamic finance ecosystem.
By introducing a safe, government-backed financial savings instrument, Retail Sukuk presents a brand new avenue for portfolio diversification and sustainable wealth constructing amongst people.
